Granted Patent B2

US 12,675,766 · App. 18/383,383 · Granted Jul 7, 2026

Inventors: Jennifer Kwok (Brooklyn, NY); Salik Shah (Washington, DC); Zviad Aznaurashvili (Reston, VA)

Assignee: Capital One Services, LLC

G06Q10/0836B60P3/007B60W60/00256G06Q10/083B60W2556/45

Abstract

Claims (96)

1 . A secure autonomous transaction system, comprising:

an autonomous vehicle comprising:

a user interface configured to receive a user authentication request;

a processor in communication with a server and the user interface, configured to:

receive one or more delivery instructions from the server,

cause the autonomous vehicle to move to a delivery location along a route based on the one or more delivery instructions, wherein:

the route is determined by a prediction by a learning algorithm using one or more factors, and

the prediction further comprises alternate directions based on at least one selected from the group of a potential occurrence and a potential change in conditions,

authenticate the user authentication request,

grant user access, based on successful authentication of the user authentication request, to one or more partitioned areas of the autonomous vehicle, and

provide feedback to the learning algorithm wherein:

the feedback comprises a comparison of one or more delivery metrics with the one or more factors, and

the one or more delivery metrics comprises one or more timing details, and

wherein:

the user authentication request includes a cryptogram,

the processor is configured to authenticate the user authentication request by:

generating an encryption session key using a first diversified key and a counter value,

decrypting the cryptogram to obtain transmission data, and

validating the transmission data by comparing the transmission data with reference data, and

granting user access to one or more partitioned areas of the autonomous vehicle includes unlocking and opening the one or more partitioned areas.

2 . The system of claim 1 , wherein the server is configured to:

receive a transaction request from a user,

approve the transaction request,

transmit one or more transaction details to the processor, and

transmit a confirmation of transaction approval to the processor.

3 . The system of claim 2 , wherein the transaction details include an address for delivery to the user.

4 . The system of claim 2 , wherein:

the route comprises travel from a starting point to the user, and

the server further comprises artificial intelligence configured to apply the learning algorithm to determine and direct the route.

5 . The system of claim 4 , wherein the prediction from the artificial intelligence is based on a plurality selected from a group of traffic, weather, street closings, one or more events, tolls, distance, predicted fuel economy, and a delivery timing requested by the user.

6 . The system of claim 1 , wherein one or more goods are stored in the one or more partitioned areas of the autonomous vehicle that are accessible by a user after access is granted.

7 . The system of claim 6 , wherein the one or more goods correspond to a purchase transaction made by the user.

8 . The system of claim 1 , wherein the autonomous vehicle contains one or more goods corresponding to a plurality of transactions, including a user's transaction, within the autonomous vehicle.

9 . The system of claim 8 , wherein the one or more goods corresponding to each of the plurality of transactions are stored in different partitions of the one or more partitioned areas of the autonomous vehicle.

10 . The system of claim 1 , wherein the one or more partitioned areas of the autonomous vehicle comprise at least one selected from the group of a trunk, a rear seat, and a front seat.

11 . The system of claim 10 , wherein the rear seat is further partitioned into a left side and a right side, the left side accessible only through a driver-side rear door and the right side only accessible through a passenger-side rear door.

12 . The system of claim 10 , wherein the front seat is partitioned such that a user has no access to any vehicle controls and may access the front seat only through a passenger-side front door.

13 . The system of claim 1 , wherein:

the one or more partitioned areas of the autonomous vehicle are further sub-divided into a plurality of sub-partitions where each sub-partition holds the contents of one of a plurality of transactions, and

upon authentication by a user, the processor is further configured to grant access to the sub-partition containing goods relating to the user's transaction.

14 . The system of claim 1 , wherein:

at least one of the one or more of the partitioned areas of the autonomous vehicle comprises a vending machine in communication with the processor and the system, and the vending machine is configured to:

receive transaction details for the user transaction from the server,

receive authentication confirmation from the processor, and

release, based on the transaction details and authentication confirmation, one or more goods from a secured location to a location accessible by the user.

15 . A method for secure autonomous transactions, comprising:

receiving, by a processor of an autonomous vehicle, one or more digital delivery instructions;

moving the autonomous vehicle to a delivery location along a route based on the one or more digital delivery instructions, wherein;

the route is determined by a prediction by a learning algorithm using one or more factors, and

the prediction further comprises alternate directions based on at least one selected from the group of a potential occurrence and a potential change in conditions;

receiving, via a user interface on the autonomous vehicle, a user authentication request;

authenticating, by the processor of the autonomous vehicle, the user authentication request;

granting user access, via the processor of the autonomous vehicle, to one or more partitioned areas of the autonomous vehicle based on successful authentication of the user authentication request; and

providing feedback to the learning algorithm wherein:

the feedback comprises a comparison of one or more delivery metrics with the one or more factors, and

the one or more delivery metrics comprises one or more timing details, and

wherein:

the user authentication request includes a cryptogram,

authenticating the user authentication request comprises:

generating, by the processor, an encryption session key using a first diversified key and a counter value,

decrypting, by the processor, the cryptogram to obtain transmission data,

validating, by the processor, the transmission data by comparing the transmission data with reference data, and

granting user access to one or more partitioned areas of the autonomous vehicle comprises unlocking and opening the one or more partitioned areas.

16 . The method of claim 15 , further comprising:

receiving, via a server, a transaction request from a user;

approving, via the server, the transaction request;

transmitting, via the server, one or more transaction details to the processor of the autonomous vehicle; and

transmitting, via the server, a confirmation of transaction approval to the processor of the autonomous vehicle.

17 . The method of claim 16 , wherein:

at least one of the one or more of the partitioned areas of the autonomous vehicle comprises a vending machine in communication with the processor, and

the vending machine is configured to:

receive transaction details from the server,

receive authentication confirmation from the processor and

release, based on the transaction details and authentication confirmation, one or more goods from a secured location to a location accessible by the user.

18 . The method of claim 15 , wherein:

the one or more partitioned areas of the autonomous vehicle are further sub-divided into a plurality of sub-partitions where each sub-partition holds contents of one of a plurality of transactions, and

upon authentication by a user, the processor is further configured to grant access to the sub-partition containing goods relating to the user's transaction.

19 . A computer-readable non-transitory medium comprising computer-executable instructions that, when executed by at least one processor, cause the at least one processor to perform procedures comprising:

receiving one or more digital delivery instructions;

causing an autonomous vehicle to move to a delivery location along a route based on the one or more digital delivery instructions, wherein:

the route is determined by a prediction by a learning algorithm, and

the prediction further comprises alternate directions based on at least one selected from the group of a potential occurrence and a potential change in conditions;

receiving, via a user interface on the autonomous vehicle, a user authentication request;

authenticating the user authentication request;

granting user access to one or more partitioned areas of the autonomous vehicle based on successful authentication of the user authentication request,

wherein:

the user authentication request includes a cryptogram,

authenticating the user authentication request comprises:

generating an encryption session key using a first diversified key and a counter value,

decrypting the cryptogram to obtain transmission data, and

validating the transmission data by comparing the transmission data with reference data;

granting user access to one or more partitioned areas of the autonomous vehicle comprises unlocking and opening the one or more partitioned areas; and

providing feedback to the learning algorithm, wherein:

the feedback comprises a comparison of one or more delivery metrics with the one or more factors, and

the one or more delivery metrics comprises one or more timing details.

20 . The computer-readable non-transitory medium of claim 19 , wherein the one or more delivery metrics comprise at least one selected from the group of whether a delivery was successful, whether the user authentication request was successful, timing details related to the delivery, driving conditions, road conditions, and weather.

Assignments (1)

Continuity (1)

References Cited (400)