SYSTEMS AND METHODS FOR TRANSACTION PRE-FETCHING, PROCESSING AND PROVISIONING THROUGH SMART VEHICLE ELECTRONIC SYSTEM AND BACK-END CLOUD INFRASTRUCTURE
Systems and methods for transaction pre-fetching, processing and provisioning through smart vehicle electronic system and back-end cloud infrastructure are disclosed. In one embodiment, a method for partitioning a transaction to be performed using a plurality of resources may include (1) a decision engine computer processor receiving a transaction request; (2) the decision engine computer processor identifying a first portion of the transaction request to be performed using a first resource and a second portion of the request required to be performed using a second resource; (3) the decision engine computer processor retrieving capability information for the first resource and the second resource; and (4) the decision engine computer processor allocating a first portion of the transaction request to the first resource, and a second portion of the transaction request to the second resource, based on the first required portion, the second required portion, and the capability information.
1 - 16 . (canceled)
17 . A method for processing a remote cash withdrawal request, comprising:
in a financial institution information processing apparatus comprising at least one computer processor:
receiving from a first computer application executed by a first electronic device associated with a first customer, a remote withdrawal request for a cash amount;
receiving, from the first computer application, a first electronic device location;
identifying at least one second electronic device associated with a second customer within a predetermined distance of the first electronic device;
communicating an instruction to a second computer application executed by the second electronic device to deliver the cash amount to the first customer at the first electronic device location;
receiving confirmation from the first computer application that the cash amount was received;
depositing the cash amount to an account associated with the second customer; and
debiting the cash amount from an account associated with the first customer.
18 . The method of claim 17 , further comprising:
verifying that the second customer has possession of the cash amount before communicating the instruction to the second computer application.
19 . The method of claim 17 , wherein the first electronic device location is received as a GPS location from a GPS sensor in the first electronic device.
20 . The method of claim 17 , wherein the first electronic device location is received as a manual entry by the first customer.
21 . The method of claim 17 , further comprising:
receiving, from the first electronic device or the second electronic device, a video of the first customer receiving the cash amount from the second customer.
22 . The method of claim 17 , further comprising:
authenticating the first customer with the second electronic device.
23 . A method for processing a remote cash withdrawal request, comprising:
in a financial institution information processing apparatus comprising at least one computer processor:
receiving from a first computer application executed by a first electronic device associated with a first customer, a remote withdrawal request for a cash amount;
receiving, from the first computer application, a first electronic device location;
identifying at least one second electronic device associated with a second customer within a predetermined distance of the first electronic device;
communicating an instruction to a second computer application executed by the second electronic device to deliver the cash amount to the first customer at the first electronic device location;
receiving confirmation from the first computer application that the cash amount was received;
depositing the cash amount to an account associated with the second customer; and
debiting the cash amount from an account associated with the first customer.
24 . The system of claim 23 , wherein the financial institution backend verifies that the second customer has possession of the cash amount before communicating the instruction to the second computer application.
25 . The system of claim 23 , wherein the first electronic device location is received as a GPS location from a GPS sensor in the first electronic device.
26 . The system of claim 23 , wherein the first electronic device location is received as a manual entry by the first customer.
27 . The system of claim 23 , wherein the financial institution backend receives from the first electronic device or the second electronic device, a video of the first customer receiving the cash amount from the second customer.
28 . The system of claim 23 , wherein the second computer application authenticates the first customer.
29 . A system for processing a remote cash withdrawal request, comprising:
a financial institution backend comprising at least one computer processor;
a first electronic device associated with a first customer executing a first computer application; and
a second electronic device associated with a second customer executing a second computer application;
wherein:
the financial institution backend receives, from the first computer application, a remote withdrawal request for a cash amount;
the financial institution backend receives, from the computer application, a first electronic device location;
the financial institution backend identifies at least one second electronic device associated with a second customer within a predetermined distance of the first electronic device;
the financial institution backend communicates a first instruction to the second computer application to deliver the cash amount to the first customer at a location of the second electronic device or at a neutral location;
the financial institution backend communicates a second instruction to the first computer application to meet the second customer at the location of the second electronic device or at the neutral location;
the financial institution backend receives confirmation from the first customer that the cash amount was received;
the financial institution backend deposits the cash amount to an account associated with the second customer; and
the financial institution backend debits the cash amount from an account associated with the first customer.
30 . The method of claim 29 , further comprising:
verifying that the second customer has possession of the cash amount before communicating the first instruction.
31 . The method of claim 29 , wherein the first electronic device location is received as a GPS location from a GPS sensor in the first electronic device.
32 . The method of claim 29 , wherein the first electronic device location is received as a manual entry by the first customer.
33 . The method of claim 29 , further comprising:
receiving, from the first electronic device or the second electronic device, a video of the first customer receiving the cash amount from the second customer.
34 . The method of claim 29 , further comprising:
authenticating the first customer with the second electronic device.