Methods and systems for controlling communications by a driver in a vehicle

1 - 20 . (canceled)

21 . A vehicle, comprising:

a memory to store one or more limits on third party vendor communications associated with a user in the vehicle, wherein the one or more limits restrict financial transactions of the user with third party vendors, the one or more limits comprising one or more of a financial transaction amount limit and a limit on a number of financial transactions;

a processor in communication with the memory, the processor to:

determine the user desires to interact with a third party vendor;

retrieve the one or more limits from the memory;

based on the one or more limits, determine if the vehicle can send a first communication to the third party vendor, the first communication being related to initiating or completing a financial transaction with the third party vendor;

when allowed by the one or more limits, automatically send the first communication to the third party vendor for the user; and

when not allowed by the one or more limits, not send the first communication to the third party vendor for the user.

22 . The vehicle of claim 1 , wherein the first communication comprises vehicle information and user information, 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, wherein the first communication enables the third party vendor to authenticate the user, wherein the user information comprises biometric information of the user, the biometric information being received by a sensor associated with the vehicle, 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 vendor authenticates the user to enable the 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 and subject to the one or more limits, the financial transaction with the vendor in response to a sensed state or location of the vehicle.

23 . The vehicle of claim 21 , wherein the first communication comprises vehicle information and user information, 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, wherein the first communication enables the third party vendor to authenticate the user, 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 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 21 , wherein the first communication comprises vehicle information and user information, 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, wherein the first communication enables the third party vendor to authenticate the user, 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 user information comprises mobile device information of a device associated with the user, and 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).

25 . The vehicle of claim 21 , wherein the first communication comprises vehicle information and user information, 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, wherein the first communication enables the third party vendor to authenticate the user, wherein the user information comprises financial information, biometric information, and/or a PIN, 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, 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, and wherein the one or more limits applies only to the user and the vehicle.

26 . The vehicle of claim 25 , wherein the one or more limits applies only to the user and to two or more vehicles, 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 one or more limits applies only to two or more users and the vehicle, 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 22 , wherein the one or more limits is set on the user by a second user 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 . The vehicle of claim 1 , wherein the one or more limits is on a number of communications that may be completed between the vehicle and third party.

30 . The vehicle of claim 1 , wherein the one or more limits only applies for a predetermined time period or along a predetermined route.

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

a memory storing one or more limits on third party vendor communications associated with a user in the vehicle, wherein the one or more limits restrict financial transactions of the user with third party vendors, the one or more limits comprising one or more of a financial transaction amount limit and a limit on a number of financial transactions;

a processor determining that the user desires to interact with a third party vendor;

the processor retrieving the one or more limits from the memory;

based on the one or more limits, the processor determining if the vehicle can send a first communication to the third party vendor, the first communication being related to initiating or completing a financial transaction with the third party vendor;

when allowed by the one or more limits, the processor automatically sending the first communication to the third party vendor for the user; and

when not allowed by the one or more limits, the processor not sending the first communication to the third party vendor for the user.

32 . The method of claim 31 , wherein the one or more limits only applies for a predetermined time period or along a predetermined route, wherein the first communication comprises vehicle information and user information, 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, wherein the first communication enables the third party vendor to authenticate the user, wherein the user information comprises biometric information of the user, the biometric information being received by a sensor associated with the vehicle, 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 vendor authenticates the user to enable the financial transaction between the vendor and user using the user information while the vehicle is in motion, and further comprising:

initiating automatically, by the processor on behalf of the user and subject to the one or more limits, the financial transaction with the vendor in response to a sensed state or location of the vehicle.

33 . The method of claim 31 , wherein the first communication comprises vehicle information and user information, 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, wherein the first communication enables the third party vendor to authenticate the user, 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 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 further comprising:

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; 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 user by a user interface;

in response to identifying a transaction option to present to the user, 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 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 sending, by the processor via 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.

34 . The method of claim 31 , wherein the limit is on a number of communications that may be completed between the vehicle and third party, wherein the first communication comprises vehicle information and user information, 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, wherein the first communication enables the third party vendor to authenticate the user, 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 user information comprises mobile device information of a device associated with the user, and 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).

35 . The method of claim 31 , wherein the first communication comprises vehicle information and user information, 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, wherein the first communication enables the third party vendor to authenticate the user, wherein the user information comprises financial information, biometric information, and/or a PIN, 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, and further comprising:

in response to a first event, the first event being a vehicle route, automatically forwarding, by the processor, 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

in response to a later second event, the second event being a vehicle location, automatically completing, by the processor, the transaction by providing financial information to the vendor, wherein the one or more limits applies only to the user and the vehicle.

36 . The method of claim 35 , wherein the one or more limits applies only to the user and to two or more vehicles, 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.

37 . The method of claim 32 , wherein the one or more limits applies only to two or more users and the vehicle, 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 wherein the vehicle further comprises 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.

38 . The method of claim 32 , wherein the one or more limits is set on the user by a second user and 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.

39 . The method of claim 31 , wherein the one or more limits is on a number of communications that may be completed between the vehicle and third party.

40 . A vehicle, comprising:

a memory to store one or more limits on third party vendor communications associated with a user in the vehicle, wherein the one or more limits restrict financial transactions of the user with third party vendors, the one or more limits comprising one or more of a financial transaction amount limit and a limit on a number of financial transactions;

a processor in communication with the memory, the processor to:

determine the user desires to interact with a third party vendor;

retrieve the one or more limits from the memory;

based on the one or more limits, determine if the vehicle can send a first communication to the third party vendor, the first communication being related to initiating or completing a financial transaction with the third party vendor;

when allowed by the one or more limits, automatically send the first communication to the third party vendor for the user; and

when not allowed by the one or more limits, not send the first communication to the third party vendor for the user, wherein the processor is programmed to initiate automatically, on behalf of the user and subject to the one or more limits, the financial transaction with the vendor in response to a sensed state or location of the vehicle, wherein the first communication comprises user information and vehicle information, wherein the vehicle information comprises one or more of a vehicle identification number (VIN) associated with the vehicle, engine code associated with the vehicle, and electronic serial number (ESN) associated with the vehicle, wherein the processor provides an authorization to the vendor, wherein the authorization comprises the user information, wherein the vehicle uses different communication protocols to provide to the vendor with 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.