IP Library Granted Patent US 12,524,751
Granted Patent B2
US 12,524,751 · App. 18/302,668 · Granted Jan 13, 2026

Computer-based system for secure curbside banking

Inventors: Arvind K. Radhakrishnen (Tega Cay, SC); Manish Dutt Purohit (Charlotte, NC); Anand Nair (San Francisco, CA)
Assignee: Wells Fargo Bank, N.A.
G06Q20/308G06Q20/3223G06Q20/4015G06Q20/4097H04W4/46G06V20/56
View Patent ↗
Loading inventors, assignments & file history…
Monitor This Case
Get email alerts when status or documents change.
Order Certified Copies
Most orders are placed with the USPTO same day — all within 24 business hours.
Order via The Patent Place →
Pre-filled with this patent's details
Quick Facts
Patent No.
US 12,524,751
App. No.
18/302,668
Granted
Jan 13, 2026
Kind
B2
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.

Claims (49)

1 . A method comprising:

establishing, by an 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 IOT device, an IOT device identifier of the IOT device to the vehicle;

receiving, by the computing system from the vehicle, vehicle identification information and the IOT device identifier; and

validating, by the computing system, that the 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 IOT device identifier, and image data of the vehicle's surroundings.

2 . The method of claim 1 , further comprising:

responsive to validating that the IOT device to which the vehicle is connected is associated with the parking spot in which the vehicle is parked, connecting the vehicle to a computing device of a human representative within the computing system.

3 . The method of claim 1 , wherein the IOT device comprises a second IOT device, the method further comprising:

determining that a first IOT device of the plurality of IOT devices to which the vehicle is connected is not associated with the parking spot in which the vehicle is parked; 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 connect to the second IOT device of the plurality of IOT devices.

4 . The method of claim 3 , further comprising:

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, directing, by the computing system, the vehicle not to reconnect to the first IOT device.

5 . The method of claim 3 , further comprising:

determining, by the computing system, if at least a portion of the image data is associated with the second IOT device of the plurality of IOT devices, and

responsive to determining that at least a portion of the image data is associated with the second IOT device, directing, by the computing system, the vehicle to connect to the second IOT device.

6 . The method of claim 3 , further comprising comparing the image data of the vehicle's surroundings to image data stored in memory of a first parking spot associated with the first IOT device to which the vehicle is connected; and

based on the image data of the vehicle's surroundings not matching the image data stored in memory of the first parking spot associated with the first IOT device, determining that the first IOT device is not associated with the parking spot in which the vehicle is parked.

7 . The method of claim 1 , further comprising collecting, by one or more image capture devices within the computing system, the image data of the vehicle's surroundings.

8 . The method of claim 1 , further comprising receiving, by the computing system from the vehicle, the image data of the vehicle's surroundings along with the vehicle identification information and the IOT device identifier.

9 . The method of claim 1 , wherein validating that the IOT device to which the vehicle is connected is associated with the parking spot in which the vehicle is parked further comprises:

comparing the image data of the vehicle's surroundings to image data stored in memory of a first parking spot associated with the IOT device to which the vehicle is connected; and

based on the image data of the vehicle's surroundings matching the image data stored in memory of the first parking spot associated with the IOT device, determining that the IOT device is associated with the parking spot in which the vehicle is parked.

10 . The method of claim 1 , further comprising:

receiving an authentication token associated with a user of the vehicle; and

authenticating, by the computing system, the user of the vehicle based on the authentication token.

11 . The method of claim 10 , wherein receiving the authentication token associated with the user of the vehicle, the vehicle identification information, and the IOT device identifier comprises:

receiving, by at least one computing device of a demilitarized zone (DMZ) of the computing system, the authentication token associated with the user of the vehicle, the vehicle identification information, and the IOT device identifier from the IOT device of the plurality of IOT devices;

receiving, by an IOT hub device within a cloud virtual private network (VPN) of the computing system, the authentication token associated with the user of the vehicle, the vehicle identification information, and the IOT device identifier from the at least one computing device of the DMZ; and

receiving, by one or more computing devices executing a processing layer within the computing system, the authentication token associated with the user of the vehicle, the vehicle identification information, and the IOT device identifier from the IOT hub device within the cloud VPN.

12 . The method of claim 11 , wherein authenticating the user of the vehicle comprises authenticating, by the one or more computing devices of the processing layer, the user of the vehicle based on the authentication token.

13 . A computer system comprising:

a plurality of IOT devices, an 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 an IOT device identifier of the 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, vehicle identification information and the IOT device identifier, and

validate that the 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 IOT device identifier, and image data of the vehicle's surroundings.

14 . The computer system of claim 13 , wherein the one or more computing devices are further configured to:

receive an authentication token associated with a user of the vehicle; and

authenticate, by the computing system, the user of the vehicle based on the authentication token.

15 . The computer system of claim 13 , wherein the one or more computing devices are further configured to, responsive to validating that the IOT device to which the vehicle is connected is associated with the parking spot in which the vehicle is parked, connect the vehicle to a computing device of a human representative within the computing system.

16 . The computer system of claim 13 , wherein the IOT device comprises a second IOT device, and wherein the one or more computing devices are further configured to:

determine that a first IOT device of the plurality of IOT devices to which the vehicle is connected is not associated with the parking spot in which the vehicle is parked;

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, by the computing system, the first IOT device from the vehicle to enable the vehicle to connect to the second IOT device of the plurality of IOT devices, and

direct the vehicle not to reconnect to the first IOT device.

17 . The computer system of claim 16 , wherein the one or more computing devices are further configured to:

determine if at least a portion of the image data is associated with the second IOT device of the plurality of IOT devices, and

responsive to determining that at least a portion of the image data is associated with the second IOT device, direct the vehicle to connect to the second IOT device.

Continuity (2)
Continuation 17154786 · Jan 21, 2021
Related Publication 20230252446A1 · Aug 10, 2023
References Cited (27)
US 9801000B2 · Shao · 2017 [cited by applicant]
US 10543809B1 · Carney Landow · 2020 [cited by examiner]
US 11354632B1 · Hill et al. · 2022 [cited by applicant]
US 11436589B1 · Gaudin · 2022 [cited by examiner]
US 11455838B2 · Baker, Sr. · 2022 [cited by examiner]
US 11636458B1 · Radhakrishnen et al. · 2023 [cited by applicant]
US 20110062230A1 · Ward, II · 2011 [cited by examiner]
US 20150179070A1 · Sandbrook · 2015 [cited by examiner]
US 20170127230A1 · Enriquez · 2017 [cited by examiner]
US 20180218604A1 · Astigarraga · 2018 [cited by examiner]
US 20190122050A1 · Beals · 2019 [cited by examiner]
US 20190158353A1 · Johnson et al. · 2019 [cited by applicant]
US 20190347643A1 · Skelsey et al. · 2019 [cited by applicant]
US 20190394428A1 · Nam · 2019 [cited by examiner]
US 20200167824A1 · Mcclung et al. · 2020 [cited by applicant]
US 20200250643A1 · Kursun et al. · 2020 [cited by applicant]
US 20200279489A1 · Liu · 2020 [cited by examiner]
US 20200394921A1 · Lee · 2020 [cited by examiner]
US 20200408546A1 · Vaughn et al. · 2020 [cited by applicant]
US 20220122458A1 · Dao · 2022 [cited by examiner]
US 20220351550A1 · Watson · 2022 [cited by examiner]
CN 109034780A · 2018 [cited by applicant]
KR 20080054276A · 2008 [cited by applicant]
“Core System Requirements Specification (SyRS)”, U.S. Department of Transportation, Retrieved from: https://www.its.dot.gov/meetings/pdf/CoreSystem_SE_SyRS_RevA%20(2011-06-13).pdf, Jun. 13, 2011, 131 pp. [cited by applicant]
Leiding et al., “Enabling the V2X Economy Revolution Using a Blockchain-based Value Transaction Layer for Vehicular Ad-hoc Networks”, The 12th Mediterranean Conference on Information Systems (MCIS), 2018, 16 pp., (Appli… [cited by applicant]
Notice of Allowance from U.S. Appl. No. 17/154,786 dated Dec. 22, 2022, 8 pp. [cited by applicant]
Ramalingam et al., “Conceptual analysis of Internet of Things use cases in Banking domain”, IEEE, Dec. 12, 2019, pp. 2034-2039. [cited by applicant]