Value-added services data and protocol and transactions involving vehicle specific data

A system for enabling value-added transaction involving a vehicle and a merchant via a mobile device, the system comprising:

• a wireless signal emitting device of a merchant configured for broadcasting merchant information via a wireless signal, said wireless signal emitting device being configured for processing a vehicle-based intended transaction and the value-added transaction;
• wherein the mobile device is configured to receive and process the wireless signal via a software program installed thereon;
• wherein the wireless signal emitting device of the merchant is configured for receiving data via the wireless signal generated by the mobile device in response to the broadcasted merchant information, wherein the data include a first portion storing the merchant information and vehicle specific data identifying the vehicle, received by the mobile device from an a communication portal of the vehicle, said mobile device being a separate device from the vehicle;
• wherein the mobile device is configured to receive payment data from a user via input interfaces of the mobile device;
• and
• a processor in communication with the wireless signal emitting device and being configured for executing computer-executable instructions to provide transaction data to the mobile device to initiate the vehicle-based intended transaction triggered by the vehicle specific data in the first portion, said vehicle-based intended transaction comprising at least one of the following:
• parking, drive-thru, gas station, charging station, and order pickup;
• wherein, in response to the provided transaction data of the vehicle-based intended transaction, the processor is configured for exchanging an authentication token with the mobile device to authenticate the vehicle-based intended transaction;
• wherein the wireless signal emitting device is configured for receiving payment data in the data with the authentication token and the vehicle specific data from the mobile device in response to the provided transaction data;
• wherein the processor is configured for executing the computer-executable instructions to determine additional data of a value-added transaction offer to be transmitted to the mobile device, said value-added transaction offer being a non-vehicle-based transaction offer;
• wherein the processor is configured to transmit to the mobile device the additional data of the value-added transaction offer;
• wherein the wireless signal emitting device is configured for receiving an acceptance of the value-added transaction offer from the mobile device in response to the provided value-added transaction offer, wherein a second portion of the data includes the acceptance;
• and
• wherein the processor is configured for executing the computer-executable instructions to process the data to complete the intended transaction and the value-added transaction offer as a single transaction.

A tangible non-transitory computer-readable medium stored thereon computer-executable instructions for enabling a value-added transaction involving a vehicle and a merchant via a mobile device, the computer-executable instructions comprising:

• broadcasting, by and from a merchant terminal, merchant information via a wireless signal, said merchant terminal being configured for processing a vehicle-based intended transaction and the value-added transaction;
• wherein the mobile device is configured to receive and process the wireless signal via a software program installed thereon;
• receiving, at the merchant terminal, data via the wireless signal generated by the mobile device in response to the broadcasted merchant information, wherein the data include a first portion storing the merchant information and vehicle specific data, received by the mobile device from an a communication portal of the vehicle, said mobile device being a separate device from the vehicle;
• wherein the mobile device is configured to receive payment data from a user via input interfaces of the mobile device;
• triggered by the received vehicle specific data in the first portion in the data, providing transaction data to the mobile device to initiate the vehicle-based intended transaction, said vehicle-based intended transaction comprising at least one of the following:
• parking, drive-thru, gas station, charging station, and order pickup;
• in response to the provided transaction data of the vehicle-based intended transaction, exchanging between a payment network server and the mobile device an authentication token to authenticate the vehicle-based intended transaction;
• receiving payment data at the merchant terminal from the mobile device, in the data with the authentication token and the vehicle specific data in response to the provided transaction data;
• before completing the intended transaction, by the payment network server, determining additional data of a value-added transaction offer to be transmitted to the mobile device, said value-added transaction offer being a non-vehicle-based transaction offer;
• transmitting to the mobile device the additional data of the value-added transaction offer;
• in response to the transmitted additional data with the value-added transaction data, receiving an acceptance of a value-added transaction offer specified in the offer data field of the data from the mobile device, wherein a second portion of the data includes the acceptance;
• and
• completing, by the merchant terminal, the intended transaction and the value-added transaction offer as a single transaction when processing the data.