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US 10,319,166 B2Granted
Vehicle-based identification and access
AssigneeVisa International Service Assocation
InventorsSivanarayana Gaddam, Gaurav Kohli, Gyan Prakash
Life of this patent
Estimating the term…
Abstract
A method for conducting an interaction using a vehicle is disclosed. A vehicle can be identified based on one or more vehicle characteristics, including a license plate number, a make, a model, and a color. A user credential can be identified based on the vehicle and used for an interaction. Additionally, user contact information can be identified based on the vehicle and the user can be contacted to approve the interaction.
Claims21
A method comprising:
- receiving, by a server computer, vehicle information associated with a vehicle, wherein the vehicle is approaching a merchant access device;
- determining, by the server computer, a vehicle record associated with the vehicle based on the vehicle information;
- identifying, by the server computer, a mobile device associated with the vehicle based on the vehicle record;
- receiving, by the server computer, from the merchant access device, transaction details for a transaction associated with the vehicle;
- sending, by the server computer, a transaction approval request to the mobile device, the transaction approval request including the transaction details;
- receiving, by the server computer, from the mobile device, a transaction approval response indicating that a user consents to the transaction details for the transaction;
- identifying, by the server computer, a credential associated with the vehicle based on the vehicle record;
- and
- after receiving the transaction approval response from the mobile device, providing, by the server computer, the credential to the merchant access device, wherein the merchant access device sends an authorization request message including the credential to an authorizing entity computer, and wherein the authorizing entity computer authorizes the transaction based on the credential.
6 more elements
A server computer comprising:
- a processor;
- and
- a computer readable medium, the computer readable medium comprising code, executable by the processor, for implementing a method comprising:
- receiving vehicle information associated with a vehicle, wherein the vehicle is approaching a merchant access device;
- determining a vehicle record associated with the vehicle based on the vehicle information;
- identifying a mobile device associated with the vehicle based on the vehicle record;
- receiving, from the merchant access device, transaction details for a transaction associated with the vehicle;
- sending a transaction approval request to the mobile device, the transaction approval request including the transaction details;
- receiving, from the mobile device, a transaction approval response indicating that a user consents to the transaction details for the transaction;
- identifying a credential associated with the vehicle based on the vehicle record;
- and
- after receiving the transaction approval response from the mobile device, providing the credential to the merchant access device, wherein the merchant access device sends an authorization request message including the credential to an authorizing entity computer, and wherein the authorizing entity computer authorizes the transaction based on the credential.
9 more elements
A method comprising:
- receiving, by a server computer, from a vehicle detection system at a merchant location associated with a merchant, vehicle information associated with a vehicle, wherein the vehicle is approaching a merchant access device associated with the merchant;
- determining, by the server computer, a vehicle record associated with the vehicle based on the vehicle information;
- identifying, by the server computer, a mobile device associated with the vehicle based on the vehicle record;
- determining, by the server computer, a merchant record associated with the merchant;
- identifying, by the server computer, application settings associated with the merchant record;
- and
- transmitting, by the server computer, the application settings to the mobile device, wherein the mobile device applies the application settings to a mobile application, wherein a user selects transaction details via the mobile application for a transaction;
- and
- receiving, by the server computer, a transaction request from the mobile device, the transaction request including the transaction details for the transaction, wherein an authorization request message including at least some of the transaction details is sent to an authorizing entity computer, and wherein the authorizing entity computer authorizes the transaction.
6 more elements
Dependencies are inferred from the claim text.