Capital One Services, LLC (McLean, VA)
Numerous industries are moving to autonomous vehicles (UVs) rapidly. Among various applications of UV, delivering goods and products is one of the most widely known and obvious. Many companies are examining the potential of UV delivery, specifically to solve the issue of “last mile” deliveries. For instance, a well-known pizza chain has successfully completed the first pizza delivery commercially via drone in 2016. A box of sunscreen as well as books was also transported by a different retailer.
Security issues increase as UV delivery is expanded to cover a wider variety of items such as financial products. UVs such as drones in flight, can bring more attention to UVs, making them more vulnerable to data compromise or theft. Customers want immediate access to financial products such as bank services, and financial records. Some consumers prefer having their financial items delivered directly to them, instead of waiting in an ATM or on a post or courier. For instance, customers might prefer to have the package delivered directly by their bank instead of relying upon delivery services or postal couriers, which could be moresusceptible to human error. Additionally, for security reasons, consumers may be required to be at the delivery site to receive and confirm the delivery. Customers may wish to be flexible and permit the delivery to take place even if they’re not present.
For example, some sellers may demand cash payment from a customer, however the consumer might not have any cash on hand. Consumers may have look for an automated ATM (ATM) near their home. There’s also the possibility that ATM lines are long or that the ATM doesn’t work after a customer finds one. In addition, ATMs pose security risks due to what’s known as ATM skimming, which is when thieves make use of hidden electronic devices to take personal data stored on a credit or debit card at an ATM. There are also security risks because of the possibility that someone could see your personal data whenever you use an ATM. In addition, ATM users tend to be able to withdraw cash.
Customers could also lose their debit or credit card, get their debit or credit card stolen, or even become victims to account fraud. In these instances the banking institution of the consumer may send the consumer the replacement debit or credit card through the postal service, or the user could visit an area bank to obtain a new card. The process could be lengthy and could prevent customers from having access to their money until they have been issued a new card. Delivery of replacement credit or debit cards can be costly and risky because it may need a person to deliver the card.
Customers might require important documents quickly. A consumer might need cashier’s check to pay for a bill or sign an agreement. But movement and delivery ofcontracts and other important documents may take a long time and be expensive due to the fact that human delivery could be necessary, and could be a security risk.
An easy, on-demand quick, secure, and efficient method to provide goods to consumers is needed to improve the current system and method of providing access to financial goods.
The disclosed embodiments contain methods and systems to coordinate a UV to verify the delivery of products.
According to the inventions described, there are systems to coordinate the delivery of a package through UV servers. A UV server system that coordinates a delivery may include one or more communication interfaces configured to communicate with aUV and a device used by the user. The UV may include an Global Navigation Satellite System (GNSS) receiver. A GNSS receiver can also be included in the user device. The system may also include several memory devices storing instructions for processors and one or more processors that are configured to execute the instructions to perform tasks. These memory devices may be used to store preferences for delivery logistics. The memory devices could also store user financial data.
The operations may include receiving real-time information that includes information on the location of the UV and the user device. The operations may also include authorizing the delivery of the package when an authentication process is satisfied according to the preferences of the user and financial information of the user as well as the information in real-time. The process could also comprise sending to the UV a command to complete the delivery, if the delivery is authorized. The operations may also include sending to theUV an abort command.
Methods for coordinating the delivery of a package by UV servers in accordance to the inventions are offered. A method can include instructing, via the communication network, a device to collect user preferences regarding deliverylogistics. The method could also involve receiving the user preferences from the device. It could also include receiving the user’s financial information from a financial service provider server. The method may also include receiving real-time informationcomprising location information of a UV and a user device. The method may also include authorizing the delivery of the package if an authentication process is satisfied based on the user preferences, the user financial data, and the real-timeinformation. If the delivery is approved, the method may include sending the UV an order to complete the delivery. The method could also involve sending to the UV an abort command, in the event that the delivery is not approved.
The general description above as well as the detailed description that follows are only examples and explanations and do not limit the claims.Click here to view the patent on USPTO website.
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