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US 11,636,458 B1Granted
Computer-based system for secure curbside banking
AssigneeWells Fargo Bank, N.A.
InventorsArvind K. Radhakrishnen, Manish Dutt Purohit, Anand Nair
Life of this patent
Estimating the term…
Abstract
Techniques discussed herein describe an example system for verifying the identity and location of a customer in a bank branch parking lot. A server determines whether to provision a service for a vehicle based on telemetry data received from a telemetry module on the vehicle in a fleet of vehicles. The telemetry data includes a first location and status information of the vehicle. The server identifies a vendor to provide the service and directs the vehicle to a second location of the vendor from the first location of the vehicle. The server provides authorization to the vehicle for an on-board transaction module to initiate a request for the service when the vehicle is at the second location of the vendor.
Claims20
A method comprising:
- establishing, by a first Internet of Things (IOT) device of a plurality of IOT devices within a computing system, a connection with a vehicle parked in a parking spot of a plurality of parking spots;
- transmitting, by the first IOT device, a first IOT device identifier of the first IOT device to the vehicle;
- receiving, by the computing system from the vehicle, an authentication token associated with a user of the vehicle, vehicle identification information, and the first IOT device identifier;
- authenticating, by the computing system, the user of the vehicle based on the authentication token;
- validating, by the computing system, that the first IOT device, to which the vehicle is connected, is associated with the parking spot in which the vehicle is parked based on the vehicle identification information, the first IOT device identifier, and image data of the vehicle's surroundings;
- and
- responsive to determining that the first IOT device to which the vehicle is connected is not associated with the parking spot in which the vehicle is parked, disconnecting, by the computing system, the first IOT device from the vehicle to enable the vehicle to reconnect to a second IOT device of the plurality of IOT devices.
4 more elements
A computer system comprising:
- a plurality of IOT devices, a first IOT device of the plurality of IOT devices configured to:
- establish a connection with a vehicle parked in a parking spot of a plurality of parking spots, and
- transmit a first IOT device identifier of the first IOT device to the vehicle;
- and
- one or more computing devices within an enterprise network in communication with the plurality of IOT devices, the one or more computing devices configured to:
- receive, from the vehicle, an authentication token associated with a user of the vehicle, vehicle identification information, and the first IOT device identifier,
- authenticate the user of the vehicle based on the authentication token,
- validate that the first IOT device, to which the vehicle is connected, is associated with the parking spot in which the vehicle is parked based on the vehicle identification information, the first IOT device identifier, and image data of the vehicle's surroundings, and
- responsive to determining that the first IOT device to which the vehicle is connected is not associated with the parking spot in which the vehicle is parked, disconnect the first IOT device from the vehicle to enable the vehicle to reconnect to a second IOT device of the plurality of IOT devices.
6 more elements
A method comprising:
- establishing, by a computing device of a vehicle, a first connection with a mobile device associated with a user of the vehicle, wherein the vehicle is parked in a parking spot of a plurality of parking spots;
- receiving, by the computing device of a vehicle and from the mobile device, an authentication token associated with the user of the vehicle;
- establishing, by the computing device of the vehicle, a second connection with a first Internet of Things (IOT) device of a plurality of IOT devices within a computing system;
- receiving, by the computing device of the vehicle from the first IOT device, a first IOT device identifier;
- transmitting, by the computing device of the vehicle and to the computing system, the authentication token associated with the user of the vehicle, vehicle identification information, surroundings information, and the first IOT device identifier;
- and
- responsive to the computing system authenticating the user based on the authentication token and validating the vehicle based on the vehicle identification information, the first IOT device identifier, and image data of the vehicle's surroundings, establishing, by the computing device of the vehicle, a third connection with a computing device of a human representative within the computing system.
4 more elements
Dependencies are inferred from the claim text.