Connected car as a payment device

A system for using a vehicle as a payment device, the system comprising:

• one or more processors in a head unit of a vehicle;
• an electronic device proximately attached to an exterior of the vehicle;
• a non-transitory computer-readable memory coupled to the one or more processors and storing thereon instructions that, when executed by the one or more processors, cause the system to:
• receive one or more sets of financial data each corresponding to a financial account for making payments;
• for each of the one or more sets of financial data, obtain a token representing the set of financial data;
• in response to receiving an indication from a user within the vehicle that the user wants to initiate a payment process, authenticate the user to ensure the user is authorized to use the one or more financial accounts for making payments by receiving and verifying authentication information from the user;
• upon authenticating the user, receive a selection by the user of one of the one or more financial accounts;
• and
• transmit via a first short-range communication link, an indication of the selected financial account to the electronic device proximately attached to the exterior of the vehicle;
• and
• in response to receiving the indication of the selected financial account, the electronic device is configured to:
• transmit, via a second very short-range communication link, a token corresponding to the selected financial account to a point-of-sale (POS) terminal to purchase goods or services associated with the POS terminal from the vehicle using the selected financial account, wherein the second very short-range communication link includes near field communication (NFC) or high frequency radio frequency identification (HF RFID).

A non-transitory computer-readable medium storing thereon a set of instructions that, when executed on one or more processors in a head unit of a vehicle, causes the one or more processors to:

• receive one or more sets of financial data each corresponding to a financial account for making payments;
• for each of the one or more sets of financial data, obtain a token representing the set of financial data;
• in response to receiving an indication from a user within the vehicle that the user wants to initiate a payment process, authenticate the user to ensure the user is authorized to use the one or more financial accounts for making payments by receiving and verifying authentication information from the user;
• upon authenticating the user, receive a selection by the user of one of the one or more financial accounts;
• and
• transmit via a first short-range communication link, an indication of the selected financial account to an electronic device proximately attached to an exterior of the vehicle;
• and
• in response to receiving the indication of the selected financial account, the electronic device is configured to:
• transmit, via a second very short-range communication link, a token corresponding to the selected financial account to a point-of-sale (POS) terminal to purchase goods or services associated with the POS terminal from the vehicle using the selected financial account, wherein the second very short-range communication link includes near field communication (NFC) or high frequency radio frequency identification (HF RFID).