Granted Patent B2

US 12,406,240 · App. 18/649,725 · Granted Sep 2, 2025

Inventors: Ashish B. Kurani (Hillsborough, CA); Nikolai Stroke (Gilbert, AZ)

Assignee: Wells Fargo Bank, N.A.

G06Q20/108G06Q30/0265

Abstract

Claims (52)

1. A computer-implemented method comprising:

authenticating, by one or more first processors of a provider computing system, a user of a vehicle with an account of the user, the vehicle being associated with the account;

receiving, by the one or more first processors, vehicle data relating to the vehicle;

transmitting, by the one or more first processors via a first network and based on the vehicle data, application data to a vehicle computing system of the vehicle, the vehicle computing system comprising one or more second processors communicatively coupled to the provider computing system via the first network, wherein the application data comprises instructions for rendering an interface via a display system of the vehicle;

transmitting, by the one or more second processors of the vehicle computing system via a second network, the application data to a user device; and

receiving, by the one or more first processors and from the vehicle computing system, an input provided via the user device based on the application data.

2. The computer-implemented method of claim 1 , further comprising:

identifying, by the one or more first processors, based on the vehicle data, a task to be performed by the user;

generating, by the one or more first processors, a prompt to be transmitted to the user, the prompt identifying the task;

transmitting, by the one or more first processors, the prompt to the vehicle computing system for rendering at the display system; and

receiving, by the one or more first processors, a second input in response to the prompt.

3. The computer-implemented method of claim 2 , wherein the task comprises a funds transfer.

4. The computer-implemented method of claim 1 , wherein the input causes at least one of a funds transfer to be initiated or a payment to be initiated.

5. The computer-implemented method of claim 1 , further comprising determining, by the one or more first processors, a context based on the vehicle data, the context including at least one of geolocation information of the vehicle, proximity information regarding a merchant location relative to a location of the vehicle, a down-time event associated with the vehicle, a driving indicator for the vehicle, weather-related information, or traffic information.

6. The computer-implemented method of claim 1 , further comprising:

determining, by the one or more first processors, map information and traffic information from a GPS signal of the vehicle;

wherein the vehicle data includes location data of the vehicle based on the GPS signal.

7. The computer-implemented method of claim 1 , wherein the application data comprises an advertisement or promotion for presenting at the display system of the vehicle.

8. The computer-implemented method of claim 1 , wherein the input includes at least one of an input to a touchscreen or an audio input.

9. A system comprising:

a server system comprising one or more first processors and a non-transitory computer-readable medium having instructions stored thereon that, when executed by the one or more first processors, cause the server system to:

authenticate a user of a vehicle with an account of the user, the vehicle being associated with the account;

receive vehicle data relating to the vehicle;

transmit, via a first network and based on the vehicle data, application data to a vehicle computing system of the vehicle, the vehicle computing system comprising one or more second processors communicatively coupled to a provider computing system via the first network, wherein the application data comprises instructions for rendering an interface via a display system of the vehicle;

transmit, by the one or more second processors of the vehicle computing system via a second network, the application data to a user device; and

receive, from the vehicle computing system, an input provided via the user device based on the application data.

10. The system of claim 9 , wherein the instructions, when executed by the one or more first processors, further cause the server system to:

identify, based on the vehicle data, a task to be performed by the user;

generate a prompt to be transmitted to the user, the prompt identifying the task;

transmit the prompt to the vehicle computing system for rendering at the display system; and

receive a second input in response to the prompt.

11. The system of claim 10 , wherein the task comprises a funds transfer.

12. The system of claim 9 , wherein the input causes at least one of a funds transfer to be initiated or a payment to be initiated.

13. The system of claim 9 , wherein the instructions, when executed by the one or more first processors, further cause the server system to determine a context based on the vehicle data, the context including at least one of geolocation information of the vehicle, proximity information regarding a merchant location relative to a location of the vehicle, a down-time event associated with the vehicle, a driving indicator for the vehicle, weather-related information, or traffic information.

14. The system of claim 9 , wherein the instructions, when executed by the one or more first processors, further cause the server system to:

determine map information and traffic information from a GPS signal of the vehicle;

wherein the vehicle data includes location data of the vehicle based on the GPS signal.

15. The system of claim 9 , wherein the application data comprises an advertisement or promotion for presenting at the display system of the vehicle.

16. The system of claim 9 , wherein the input includes at least one of an input to a touchscreen or an audio input.

17. A non-transitory computer-readable medium having instructions stored thereon that, when executed by one or more first processors, cause the one or more first processors to:

authenticate a user of a vehicle with an account of the user, the vehicle being associated with the account;

receive vehicle data relating to the vehicle;

transmit, via a first network and based on the vehicle data, application data to a vehicle computing system of the vehicle, the vehicle computing system comprising one or more second processors communicatively coupled to a provider computing system via the first network, wherein the application data comprises instructions for rendering an interface via a display system of the vehicle;

transmit, by the one or more second processors of the vehicle computing system via a second network, the application data to a user device; and

receive, from the vehicle computing system, an input provided via the user device based on the application data.

18. The non-transitory computer-readable medium of claim 17 , wherein the instructions, when executed by the one or more first processors, further cause the one or more first processors to:

identify, based on the vehicle data, a task to be performed by the user;

generate a prompt to be transmitted to the user, the prompt identifying the task;

transmit the prompt to the vehicle computing system for rendering at the display system; and

receive a second input in response to the prompt.

19. The non-transitory computer-readable medium of claim 17 , wherein the application data comprises an advertisement or promotion for presenting at the display system of the vehicle.

20. The non-transitory computer-readable medium of claim 17 , wherein the input includes at least one of an input to a touchscreen or an audio input.

Assignments (1)

Continuity (6)

References Cited (43)