System and method for receiving authorization to communicate sensitive information through a vehicle

1 - 20 . (canceled)

21 . A vehicle, comprising:

a display in the vehicle to display a user interface;

a processor in communication with the display, the processor 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 a user to purchase a good or service, the user being an occupant of the vehicle;

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 occupant by a user interface;

in response to identifying a transaction option to present to the occupant, 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 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, a first communication to the vendor on behalf of the user, the first communication providing sensitive user information to the vendor to complete the transaction.

22 . The vehicle of claim 1 , wherein, in the automatically send operation, the processor:

while the vehicle is in motion, identifies a first event, the first event being one or more of the vendor being resident in a location and/or on a route of the vehicle;

in response to identification of the first event, automatically sends the first communication to the vendor for the user, the first communication enabling authentication of the user by the third party;

at a second later time and while the vehicle is in motion, identifies a different second event; and

in response to identification of the second event, automatically sends a different second communication to the vendor, the second communication being part of the secure session and enabling the vendor to complete the transaction with the user.

23 . The vehicle of claim 22 , wherein the first communication comprises payment information and/or an identification of a good or service to be purchased by the user, wherein the second event is a predetermined physical proximity of the vehicle to the third party, wherein the second communication comprises payment information, a confirmation of payment information in the first communication, and/or an authorization of the transaction by or on behalf of the user, wherein the user is prompted, by a user interface of the vehicle, to approve the first communication, the second communication being sent in response to receipt of approval from the user, and wherein the second communication includes a PIN entered by the user in the display of the vehicle.

24 . The vehicle of claim 21 , wherein the first communication comprises financial information of the user and vehicle information of the vehicle.

25 . The vehicle of claim 24 , wherein the user is a passenger of the vehicle, wherein a vehicle sensor detects a presence of the passenger in the vehicle, wherein the processor receives the presence, provides a user interface for the passenger to enter passenger information; receives the passenger information; combines the passenger information and vehicle information to generate combined information; and sends the combined information to the memory for storage, wherein the sensor receives biometric information associated with the passenger to determine the presence, wherein the combined information comprises the 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, and wherein the processor, in response to the request, communicates the combined information to the vendor in the first communication to authenticate the passenger to enable the vendor to perform the transaction with the passenger using the combined information.

26 . The vehicle of claim 25 , wherein the biometric information is also stored with the combined information, wherein the combined 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), wherein the combined 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, wherein the vehicle information comprises one or more of a vehicle identification number (VIN), engine code, and electronic serial number (ESN), 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.

27 . The vehicle of claim 23 , wherein the first and second events comprise a plurality of a vehicle location, speed, proximity to a location, preference data and historical information associated with the user, wherein the first and/or second communications 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, and wherein the processor sends the first communication by a first communication protocol and the second communication by a different second protocol.

28 . The vehicle of claim 27 , wherein the processor is authorized and programmed to initiate automatically on behalf of the user and without further input from the user a 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.

29 . The vehicle of claim 21 , 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.

30 . The vehicle of claim 21 , further comprising:

two or more radio frequency (RF) antennas to communicate wirelessly sensitive information associated with the user of the vehicle, the two or more RF antennas being at different physical locations on an exterior of the vehicle;

two or more RF transceivers, each RF transceiver associated with one of the two or more RF antennas, the two or more RF transceivers to communicate wirelessly the sensitive information associated with a user of the vehicle;

wherein the processor is in communication with the two or more RF transceivers and:

determines which one of the two or more RF antennas is receiving a strongest signal from a common signal source;

selects a first RF transceiver associated with the RF antenna with the strongest signal to send the sensitive information to the common signal source; and

sends the sensitive information to the first RF transceiver for transmission to the common signal source, wherein the RF transceiver and RF antenna are a radio frequency identification device and wherein a first of the RF antennas is located at one or more of at or in proximity to a driver side of the vehicle, an overhead location on the vehicle, an under carriage location on the vehicle, and a gas tank of the vehicle and a second of the RF antennas is located at a different of the one or more of at or in proximity to a driver side of the vehicle, an overhead location on the vehicle, an under carriage location on the vehicle, and a gas tank of the vehicle.

31 . A method for communicating information with a vehicle, comprising:

while the vehicle is in motion, receiving, by a vehicle processor, a plurality of transaction options from a plurality of vendors, each transaction option comprising an offer for a user to purchase a good or service, the user being an occupant of the vehicle;

retrieving, by the processor, user preferences from the memory;

in response to the transaction options and based on the user preferences, pre-filtering, by the processor, the plurality of transaction options to identify which of the plurality of transaction options to present to the occupant by a user interface;

in response to identifying a transaction option to present to the occupant, rendering, by the processor, 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;

receiving, by the processor, user input associated with the identified transaction option regarding authorization of the associated 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 sending, by the processor via a secure session, a first communication to the vendor on behalf of the user, the first communication providing sensitive user information to the vendor to complete the transaction.

32 . The method of claim 31 , wherein the automatically sending step comprises:

while the vehicle is in motion, identifying, by the processor, a first event, the first event being one or more of the vendor being resident in a location and/or on a route of the vehicle;

in response to identification of the first event, automatically sending, by the processor, the first communication to the vendor for the user, the first communication enabling authentication of the user by the third party;

at a second later time and while the vehicle is in motion, identifying, by the processor, a different second event; and

in response to identification of the second event, automatically sending, by the processor, a different second communication to the vendor, the second communication being part of the secure session and enabling the vendor to complete the transaction with the user.

33 . The method of claim 32 , wherein the first communication comprises payment information and/or an identification of a good or service to be purchased by the user, wherein the second event is a predetermined physical proximity of the vehicle to the third party, wherein the second communication comprises payment information, a confirmation of payment information in the first communication, and/or an authorization of the transaction by or on behalf of the user, wherein the user is prompted, by a user interface of the vehicle, to approve the first communication, the second communication being sent in response to receipt of approval from the user, and wherein the second communication includes a PIN entered by the user in the display of the vehicle.

34 . The method of claim 31 , wherein the first communication comprises financial information of the user and vehicle information of the vehicle.

35 . The method of claim 34 , wherein the user is a passenger of the vehicle, wherein a vehicle sensor detects a presence of the passenger in the vehicle, wherein the processor receives the presence, provides a user interface for the passenger to enter passenger information; receives the passenger information; combines the passenger information and vehicle information to generate combined information; and sends the combined information to the memory for storage, wherein the sensor receives biometric information associated with the passenger to determine the presence, wherein the combined information comprises the 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, and wherein the processor, in response to the request, communicates the combined information to the vendor in the first communication to authenticate the passenger to enable the vendor to perform the transaction with the passenger using the combined information.

36 . The method of claim 35 , wherein the biometric information is also stored with the combined information, wherein the combined 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), wherein the combined 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, wherein the vehicle information comprises one or more of a vehicle identification number (VIN), engine code, and electronic serial number (ESN), 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.

37 . The method of claim 33 , wherein the first and second events comprise a plurality of a vehicle location, speed, proximity to a location, preference data and historical information associated with the user, wherein the first and/or second communications 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, and wherein the processor sends the first communication by a first communication protocol and the second communication by a different second protocol.

38 . The method of claim 37 , wherein the processor is authorized and programmed to initiate automatically on behalf of the user and without further input from the user a 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.

39 . The method of claim 31 , wherein the vehicle further comprises 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.

40 . The method of claim 31 , wherein the vehicle further comprises:

two or more radio frequency (RF) antennas to communicate wirelessly sensitive information associated with the user of the vehicle, the two or more RF antennas being at different physical locations on an exterior of the vehicle;

two or more RF transceivers, each RF transceiver associated with one of the two or more RF antennas, the two or more RF transceivers to communicate wirelessly the sensitive information associated with a user of the vehicle;

wherein the processor is in communication with the two or more RF transceivers and:

determines which one of the two or more RF antennas is receiving a strongest signal from a common signal source;

selects a first RF transceiver associated with the RF antenna with the strongest signal to send the sensitive information to the common signal source; and

sends the sensitive information to the first RF transceiver for transmission to the common signal source, wherein the RF transceiver and RF antenna are a radio frequency identification device and wherein a first of the RF antennas is located at one or more of at or in proximity to a driver side of the vehicle, an overhead location on the vehicle, an under carriage location on the vehicle, and a gas tank of the vehicle and a second of the RF antennas is located at a different of the one or more of at or in proximity to a driver side of the vehicle, an overhead location on the vehicle, an under carriage location on the vehicle, and a gas tank of the vehicle.