Secure Curbside Banking System Patent Application

ChangeBridge: Patent Apps - Business Methods (G06Q)

Published April 2nd, 2026

Detected April 3rd, 2026

Summary

The USPTO published patent application US20260094143A1 for a secure curbside banking system that verifies customer identity and location in a bank branch parking lot using vehicle telemetry data. The system authorizes on-board transaction modules when a vehicle reaches a designated vendor location. Inventors are Arvind K. Radhakrishnen, Manish Dutt Purohit, and Anand Nair.

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What changed

The USPTO published a patent application for a computer-based system enabling secure curbside banking services. The system uses telemetry data from vehicles in a fleet—including location and status information—to verify customer identity and determine whether to provision services. The server identifies vendors to provide services and directs vehicles to specific locations before authorizing on-board transaction requests.

This patent application primarily affects banks and financial institutions developing curbside or drive-up service capabilities, as well as technology companies building related payment infrastructure. There are no immediate compliance requirements or deadlines associated with this publication. Financial institutions and fintech companies should monitor this intellectual property for competitive intelligence purposes, particularly those developing location-based financial services or vehicle-integrated payment systems.

Source document (simplified)

← USPTO Patent Applications

COMPUTER-BASED SYSTEM FOR SECURE CURBSIDE BANKING

Application US20260094143A1 Kind: A1 Apr 02, 2026

Inventors

Arvind K. Radhakrishnen, Manish Dutt Purohit, Anand Nair

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.