Secure communications with sensitive user information through a vehicle

Patent metadata

Field	Value
Publication number	US-2018012425-A1
Application number	US-201615396604-A
Country	US
Kind code	A1
Filing date	Dec 31, 2016
Priority date	Jul 7, 2016
Publication date	Jan 11, 2018
Grant date	—

Abstract

A vehicle is provided that stores user information associated with a user in the vehicle and vehicle information associated with the vehicle (the vehicle information comprises a vehicle identification number of the vehicle, an electronic serial number associated with the vehicle, and/or an engine code of the vehicle), determines the user desires to interact with a third party, retrieves the user and vehicle information from the memory, combines the user information and the vehicle information into a first communication for the third party, and automatically sends the first communication to the third party for the user to authenticate the user to the third party.

First claim

1 - 20 . (canceled)

21 . A vehicle, comprising:
a memory to:
store user information associated with a user in the vehicle;
store vehicle information associated with the vehicle, wherein the vehicle information comprises a vehicle identification number of the vehicle, an electronic serial number associated with the vehicle, and/or an engine code of the vehicle;
a processor in communication with the memory, the processor to:
determine the user desires to interact with a third party;
retrieve the user information from the memory;
retrieve the vehicle information from the memory;
combine the user information and the vehicle information into a first communication for the third party; and
automatically send the first communication to the third party for the user to authenticate the user to the third party.

22 . The vehicle of claim 21 , wherein the user information comprises biometric information of the user, the biometric information being received by a sensor associated with the vehicle, wherein the third party is a vendor, wherein the vendor authenticates the user to enable a financial transaction between the vendor and user using the user information while the vehicle is in motion, and wherein the processor is programmed to initiate automatically, on behalf of the user, the financial transaction with the vendor in response to a sensed state or location of the vehicle.

23 . The vehicle of claim 22 , wherein the user is a passenger of the vehicle, wherein the sensor detects a second presence of the passenger in the vehicle, wherein the processor receives the second presence, provides a user interface for the passenger to enter the user information; wherein the user information comprises financial information of the passenger, wherein the biometric information comprises one or more of facial structure, facial recognition information, voiceprint, voice recognition information, eye color, DNA information, and fingerprint information, wherein the financial transaction is initiated by a request from the vendor, wherein the processor, as part of the request, communicates the user and vehicle information to the vendor to authenticate the passenger to enable the vendor to perform the financial transaction with the passenger using the user information, and wherein the processor is programmed to: while the vehicle is in motion, receive a plurality of transaction options from a plurality of vendors, each transaction option comprising an offer for the user to purchase a good or service; retrieve user preferences from the memory; in response to the transaction options and based on the user preferences, pre-filter the plurality of transaction options to identify which of the plurality of transaction options to present to the user by a user interface; in response to identifying a transaction option to present to the user, render the user interface for the display to request authorization from the user to allow a communication to the vendor associated with the identified transaction option; receive user input associated with the identified transaction option regarding authorization of the associated transaction, the associated transaction being the financial transaction, the user input indicating that the user authorizes the communication; and based on the user input and while the vehicle is in motion, automatically send, by a secure session, the first communication to the vendor on behalf of the user, the first communication enabling the vendor to complete the associated transaction.

24 . The vehicle of claim 23 , wherein the first communication is an order for a good or service and the user information and vehicle information authenticate the user for the order, wherein the biometric information is also stored with the user and vehicle information, wherein the user information comprises mobile device information of a device associated with the passenger, wherein the mobile device information comprises one or more of the mobile device number, the media access control (MAC) address, and a uniform resource locator (URL), and wherein the first sensitive information comprises a limit on the financial transaction of the passenger, the limit comprising one or more of a transaction amount limit and a limit on a number of transactions.

25 . The vehicle of claim 21 , wherein the user information comprises financial information, biometric information, and/or a PIN, wherein the third party is a vendor, wherein the processor provides an authorization to the vendor, wherein the authorization comprises the vehicle information and the financial information of the user, wherein the vehicle uses different communication protocols to provide the vehicle information and financial information, and wherein a first of the different communication protocols is one or more of a near field communications (NFC), BLUETOOTH™, Low Energy (BLE), and radio frequency identification (RFID) protocol and a second of the different communication protocols is a cellular network communication protocol, wherein the user information is encrypted in the memory, wherein the processor authorizes the financial transaction in response to a plurality of a vehicle location, speed, proximity to a location, preference data and historical information associated with the user, wherein the user information comprises one or more of a biometric, a username. a password, mobile device information, payment information, a personal identification number, identifiers, an address, limits, preferences, and/or rules, wherein the processor, in response to a first event, the first event being a vehicle route, automatically forwards a first portion of a secure communication to the vendor to preorder a good or service of the vendor in connection with a transaction with the user, and wherein the processor, in response to a later second event, the second event being a vehicle location, automatically completes the transaction by providing financial information to the vendor.

26 . The vehicle of claim 25 , wherein the user information comprises one or more of a desired product of the vendor, a desired service of the vendor, and/or a triggering event, the triggering event being a weather condition and wherein the processor provides to the vendor, by a first communication protocol, an order of a good or service and by a different second protocol, financial information of the user.

27 . The vehicle of claim 22 , wherein the processor is authorized and programmed to initiate automatically on behalf of the user and without further input from the user the financial transaction with the vendor, wherein the authorization is restricted temporally or limited to a selected route or spatial location of the vehicle, wherein the user interface receives input from the user in the user interface and further comprising an active or passive payment device positioned on or near an outer surface of the vehicle, the payment device using one or more of near field communications (NFC), BLUETOOTH™, Low Energy (BLE), and radio frequency identification (RFID) protocol to provide wirelessly financial information of the user to the vendor.

28 . The vehicle of claim 21 , wherein the third party is a vendor and further comprising a deployable antenna that one or more of physically contacts a receiving pad of the vendor as the vehicle is in proximity to the vendor and communicates with a receiver of the vendor by a near field communication protocol to provide the financial information to the vendor.

29 . A method for communicating information with a vehicle, comprising:
storing, by a processor of the vehicle, user information associated with a user in the vehicle; storing, by the processor, vehicle information associated with the vehicle, wherei

Assignees

• Nextev Usa Inc

Inventors

• Ricci Christopher P

Classifications

• A61B5/1171 Primary

  based on the shapes or appearances of their bodies or parts thereof · CPC title

• H02J7/865

  Battery or charger load switching, e.g. concurrent charging and load supply (H02J7/50 takes precedence) · CPC title

• B60L50/53

  in combination with an external power supply, e.g. from overhead contact lines · CPC title

• H04W12/02

  Protecting privacy or anonymity, e.g. protecting personally identifiable information [PII] · CPC title

• H04W12/06

  Authentication · CPC title