Smart Vehicle Transaction Pre-fetching via Decision Engine Partitioning
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Solution Overview
Problem
Drive-through ATMs and similar services face inefficiencies due to long wait times and the need for users to physically visit locations for transactions, which can be time-consuming and inconvenient, especially when considering factors like traffic and queue lengths.
Innovation Solution
A system utilizing smart vehicles equipped with sensors and mobile devices to pre-fetch transaction data, authenticate users, and intelligently partition transactions between local and remote resources, optimizing the process through a decision engine that considers user preferences, resource availability, and real-time data such as traffic and weather.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If users visit drive-through ATMs for transactions, then transactions can be completed, but long wait times and queue lengths reduce efficiency
Solution Approach 1:
The system performs authentication and transaction data collection before the user arrives at the ATM. The mobile device captures images, takes measurements, and pre-processes transaction information so that when the user arrives, the authentication is already completed or nearly completed, significantly reducing wait time at the actual transaction point.
Solution Approach 2:
The transaction process is divided into multiple segments: pre-authentication phase (using mobile device and vehicle sensors), authentication phase (at the ATM using captured images and measurements), and transaction execution phase. This segmentation allows time-consuming operations to be performed in advance during the user's travel to the ATM.
2Ease of operation
If users physically visit ATM locations, then transactions can be conducted, but traffic and location constraints increase time consumption
Solution Approach 1:
The system enables the user's vehicle and mobile device to perform self-service authentication functions. The vehicle's sensors and the mobile device automatically capture images, take measurements, and initiate authentication without requiring the user to manually interact with the ATM or provide personal information, making the process more convenient and time-efficient.
Solution Approach 2:
The mobile device acts as an intermediary between the user and the ATM system. It captures biometric data and transaction information, communicates with the ATM remotely, and facilitates the authentication process without requiring the user to be physically present at the ATM or manually input data, thereby reducing travel time and interaction requirements.
3Reliability
If authentication is performed at the ATM location, then security can be maintained, but processing speed is reduced
Solution Approach 1:
The system performs preliminary authentication actions using the mobile device and vehicle sensors before the user reaches the ATM. Biometric data is captured and initial authentication checks are performed remotely, so that when the user arrives at the ATM, the authentication process is already advanced, maintaining security while significantly improving processing speed.
Solution Approach 2:
The authentication process is extended into the temporal dimension by performing authentication actions before the physical presence at the ATM. Instead of requiring the user to be physically at the ATM for all authentication steps, the system uses the mobile device and vehicle sensors to perform authentication in advance, adding a time dimension to the authentication process that maintains security while improving speed.
Data Source
AI summary
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.