Systems and methods for processing data messages from a user vehicle

A computer-implemented method for performing an electronic transaction initiated by a vehicle including a vehicle computing device coupled to the vehicle, said method implemented using a payment processor computing device communicatively coupled to the vehicle computing device and to at least one merchant point-of-sale (POS) device, the vehicle computing device and the payment processor computing device each having at least one processor and one or more memory devices, said method comprising:

• generating, by the vehicle computing device, a biometric identifier associated with a cardholder in response to receiving a first biometric input from a biometric input device connected to the vehicle computing device, wherein the first biometric input is stored in the one or more memory devices of the vehicle computing device;
• receiving, by the payment processor computing device, a registration secure token from the vehicle computing device, the registration secure token being unique to a combination of the cardholder the vehicle associated with the cardholder and created during a registration process for initiating future electronic transactions, the registration secure token including a tokenized account identifier, a vehicle identifier unique to the vehicle associated with the cardholder, and the biometric identifier, the cardholder having an account associated with the account identifier for use in processing electronic transactions, and the cardholder being associated with the biometric identifier;
• storing, by the payment processor computing device, the registration secure token in the one or more memory devices;
• receiving, by the payment processor computing device, an authorization request message associated with a payment transaction initiated by the cardholder using the vehicle computing device in communication with first merchant POS device, the authorization request message sent by the vehicle computing device to the payment processor computing device via the first merchant POS device physically proximate to the vehicle computing device, the authorization request message including transaction data associated with the payment transaction and a transaction secure token that includes the tokenized account identifier, the vehicle identifier of the vehicle, and the biometric identifier, wherein the transaction secure token is generated by the vehicle computing device in response to the vehicle computing device receiving a second biometric input from the biometric input device, the second biometric input substantially matching the first biometric input stored in the one or more memory devices of the vehicle computing device;
• authenticating, by the payment processor computing device, the authorization request message by matching the transaction secure token to the registration secure token, said matching including (i) matching a first portion of the transaction secure token representing the tokenized account identifier and a second portion of the transaction secure token representing the vehicle identifier to a first portion of the registration secure token representing the tokenized account identifier and a second portion of the registration secure token representing the vehicle identifier to verify the payment account being used to initiate the payment transaction via the vehicle computing device is associated with the vehicle associated with the vehicle identifier and that the vehicle associated with the vehicle identifier is in proximity to the first merchant POS device at the time the payment transaction is initiated, and (ii) matching a third portion of the transaction secure token representing the biometric identifier to a third portion of the registration secure token representing the biometric identifier to verify a registered cardholder is initiating the payment transaction;
• embedding a matching indicator within the authorization request message, the matching indicator representing successful verification of the payment transaction based upon successful matching of the transaction secure token with the registration secure token;
• and
• transmitting the authorization request message with the embedded matching indicator to an issuer of the account for further processing, wherein, upon detection of the embedded matching indicator by the issuer, the embedded matching indicator is configured to indicate initial verification of the payment transaction has been performed by the payment processing computer device and cause expedited issuer authentication and authorization of the payment transaction.

A non-transitory computer readable medium that includes computer executable instructions for performing an electronic transaction initiated by a vehicle including a vehicle computing device using a payment processor computing device in communication with a payment network and the vehicle computing device and to at least one merchant point-of-sale (POS) device, wherein when executed by the payment processor computing device, the computer executable instructions cause the payment processor computing device to:

• receive a registration secure token from a vehicle computing device, the registration secure token being unique to a combination of a cardholder and the vehicle associated with the cardholder and created during a registration process for initiating future electronic transactions, the vehicle computing device coupled to the vehicle, the registration secure token including:
• a tokenized account identifier, the cardholder having an account associated with the account identifier for use in processing electronic transactions;
• a vehicle identifier unique to the vehicle associated with the cardholder;
• and
• a biometric identifier associated with the cardholder, the biometric identifier generated by the vehicle computing device in response to receiving a first biometric input from a biometric input device connected to the vehicle computing device, wherein the first biometric input is stored in a memory device of the vehicle computing device;
• store the registration secure token in the one or more memory devices;
• receive an authorization request message associated with a payment transaction initiated by the cardholder using the vehicle computing device in communication with a first merchant POS device, the authorization request message sent by the vehicle computing device to said payment processor computing device via the first merchant POS device physically proximate to the vehicle computing device, the authorization request message including transaction data associated with the payment transaction and a transaction secure token, wherein the transaction secure token includes the tokenized account identifier, the vehicle identifier of the vehicle, and the biometric identifier, and wherein the transaction secure token is generated by the vehicle computing device in response to the vehicle computing device receiving a second biometric input from the biometric input device, the second biometric input substantially matching the first biometric input stored in the memory of the vehicle computing device;
• authenticate the authorization request message by matching the transaction secure token to the registration secure token, the matching including (i) matching a first portion of the transaction secure token representing the tokenized account identifier and a second portion of the transaction secure token representing the vehicle identifier to a first portion of the registration secure token representing the tokenized account identifier and a second portion of the registration secure token representing the vehicle identifier to verify the payment account being used to initiate the payment transaction via the vehicle computing device is associated with the vehicle associated with the vehicle identifier and that the vehicle associated with the vehicle identifier is in proximity to the first merchant POS device at the time the payment transaction is initiated, and (ii) matching a third portion of the transaction secure token representing the biometric identifier to a third portion of the registration secure token representing the biometric identifier to verify a registered cardholder is initiating the payment transaction;
• embed a matching indicator within the authorization request message, the matching indicator representing successful verification of the payment transaction based upon successful matching of the transaction secure token with the registration secure token;
• and
• transmit the authorization request message with the embedded matching indicator to an issuer of the account for further processing wherein, upon detection of the embedded matching indicator by the issuer, the embedded matching indicator is configured to indicate initial verification of the payment transaction has been performed by the payment processing computer device and cause expedited issuer authentication and authorization of the payment transaction.