Systems and methods for transaction pre-fetching, processing and provisioning through smart vehicle electronic system and back-end cloud infrastructure

Abstract

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.

1 - 16 . (canceled) 
     
     
         17 . A method for processing a remote cash withdrawal request, comprising:
 in a financial institution information processing apparatus comprising at least one computer processor:
 receiving from a first computer application executed by a first electronic device associated with a first customer, a remote withdrawal request for a cash amount; 
 receiving, from the first computer application, a first electronic device location; 
 identifying at least one second electronic device associated with a second customer within a predetermined distance of the first electronic device; 
 communicating an instruction to a second computer application executed by the second electronic device to deliver the cash amount to the first customer at the first electronic device location; 
 receiving confirmation from the first computer application that the cash amount was received; 
 depositing the cash amount to an account associated with the second customer; and 
 debiting the cash amount from an account associated with the first customer. 
   
     
     
         18 . The method of  claim 17 , further comprising:
 verifying that the second customer has possession of the cash amount before communicating the instruction to the second computer application.   
     
     
         19 . The method of  claim 17 , wherein the first electronic device location is received as a GPS location from a GPS sensor in the first electronic device. 
     
     
         20 . The method of  claim 17 , wherein the first electronic device location is received as a manual entry by the first customer. 
     
     
         21 . The method of  claim 17 , further comprising:
 receiving, from the first electronic device or the second electronic device, a video of the first customer receiving the cash amount from the second customer.   
     
     
         22 . The method of  claim 17 , further comprising:
 authenticating the first customer with the second electronic device.   
     
     
         23 . A method for processing a remote cash withdrawal request, comprising:
 in a financial institution information processing apparatus comprising at least one computer processor:
 receiving from a first computer application executed by a first electronic device associated with a first customer, a remote withdrawal request for a cash amount; 
 receiving, from the first computer application, a first electronic device location; 
 identifying at least one second electronic device associated with a second customer within a predetermined distance of the first electronic device; 
 communicating an instruction to a second computer application executed by the second electronic device to deliver the cash amount to the first customer at the first electronic device location; 
 receiving confirmation from the first computer application that the cash amount was received; 
 depositing the cash amount to an account associated with the second customer; and 
 debiting the cash amount from an account associated with the first customer. 
   
     
     
         24 . The system of  claim 23 , wherein the financial institution backend verifies that the second customer has possession of the cash amount before communicating the instruction to the second computer application. 
     
     
         25 . The system of  claim 23 , wherein the first electronic device location is received as a GPS location from a GPS sensor in the first electronic device. 
     
     
         26 . The system of  claim 23 , wherein the first electronic device location is received as a manual entry by the first customer. 
     
     
         27 . The system of  claim 23 , wherein the financial institution backend receives from the first electronic device or the second electronic device, a video of the first customer receiving the cash amount from the second customer. 
     
     
         28 . The system of  claim 23 , wherein the second computer application authenticates the first customer. 
     
     
         29 . A system for processing a remote cash withdrawal request, comprising:
 a financial institution backend comprising at least one computer processor;   a first electronic device associated with a first customer executing a first computer application; and   a second electronic device associated with a second customer executing a second computer application;
 wherein: 
 the financial institution backend receives, from the first computer application, a remote withdrawal request for a cash amount; 
 the financial institution backend receives, from the computer application, a first electronic device location; 
 the financial institution backend identifies at least one second electronic device associated with a second customer within a predetermined distance of the first electronic device; 
 the financial institution backend communicates a first instruction to the second computer application to deliver the cash amount to the first customer at a location of the second electronic device or at a neutral location; 
 the financial institution backend communicates a second instruction to the first computer application to meet the second customer at the location of the second electronic device or at the neutral location; 
 the financial institution backend receives confirmation from the first customer that the cash amount was received; 
 the financial institution backend deposits the cash amount to an account associated with the second customer; and 
 the financial institution backend debits the cash amount from an account associated with the first customer. 
   
     
     
         30 . The method of  claim 29 , further comprising:
 verifying that the second customer has possession of the cash amount before communicating the first instruction.   
     
     
         31 . The method of  claim 29 , wherein the first electronic device location is received as a GPS location from a GPS sensor in the first electronic device. 
     
     
         32 . The method of  claim 29 , wherein the first electronic device location is received as a manual entry by the first customer. 
     
     
         33 . The method of  claim 29 , further comprising:
 receiving, from the first electronic device or the second electronic device, a video of the first customer receiving the cash amount from the second customer.   
     
     
         34 . The method of  claim 29 , further comprising:
 authenticating the first customer with the second electronic device.