Patent ID: 11933623
Assignee: WELLS FARGO BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 15:
16. A non-transitory computer-readable storage medium for providing dynamic travel transactions, the non-transitory computer-readable storage medium storing instructions that, when executed, cause an apparatus to:
invoke a sensor in a sensor device network to generate first device data of a first user device associated with a first user;
receive the first device data, wherein the first device data comprises first trip data of a vehicle and the first user, wherein the first trip data is communicated in real-time, at least in part, by the sensor in the sensor device network, and wherein the first trip data includes data entries including location data of the vehicle and location data of the first user device;
determine, in real-time, a relationship between the location data of the vehicle, the location data of the first user device, and physical use of the vehicle by the first user;
determine, in real-time, a time spent or a distance traveled by the first user device on the vehicle based on the relationship between the location data of the vehicle, the location data of the first user device, and the physical use of the vehicle by the first user;
receive travel variability data associated with the vehicle, wherein the travel variability data comprises one or more vehicle operating parameters that vary during travel of the vehicle;
retrieve a user parameter associated with the first user device independent of travel with the vehicle;
generate a travel transaction based upon the first device data of the first user device, the time spent or the distance traveled by the first user device on the vehicle, the user parameter associated with the first user device independent of travel with the vehicle, and the travel variability data associated with the vehicle;
generate, based on the travel transaction, an actionable notification representative of a request for payment from the first user, wherein the actionable notification is configured to cause a user interface circuit of the first user device to output a prompt enabling completion of the travel transaction;
transmit, to the first user device, the actionable notification; and
receive, from the first user device, response data representative of user input responsive to the actionable notification.