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US 11,599,880 B2Granted
Systems and methods for providing multi-factor authentication for vehicle transactions
AssigneeRovi Guides, Inc.
InventorsPeter Jason Calvert, Christopher Lidaka
Life of this patent
Estimating the term…
Abstract
Methods and systems are employed for completing a transaction via an internet-connected vehicle by leveraging a multi-factor authentication to compare vehicle identification information and user identification information based on stored information. In addition, methods and systems are provided for completing a transaction via an internet-connected vehicle by automatic enforcement of business rules (e.g., parental control spending tools, or employee spending tracking tools).
Claims16
A method comprising:
- receiving, by control circuitry, a request to complete a transaction with a merchant;
- capturing, via a camera proximate to a location of the merchant, vehicle identification information from a vehicle;
- identifying, by control circuitry, a user associated with the vehicle identification information;
- determining, by control circuitry, a user device location of a mobile device of the user using global positioning system (GPS) coordinates of the mobile device of the user;
- determining, by control circuitry, a vehicle location of the vehicle using GPS coordinates of the vehicle;
- and
- determining, by control circuitry, whether the user device location is within a predetermined threshold distance of the vehicle location;
- determining whether the user and the vehicle are proximate to the location of the merchant based on the determination whether the user device location is within the predetermined threshold distance of the vehicle location and the capture of the vehicle identification information capturing via the camera proximate to a location of the merchant;
- in response to the determining that the user and the vehicle are proximate to the location of the merchant:
- accessing merchant-stored vehicle identification and merchant-stored user identification information based on the transaction with the merchant;
- receiving, by control circuitry, user identification information from the mobile device of the user;
- performing, by control circuitry, a multi-factor authentication by:
- comparing the captured vehicle identification information to the merchant-stored vehicle identification;
- and
- comparing the received user identification information to the merchant-stored user identification information;
- and
- in response to the multi-factor authentication, completing, by control circuitry, the transaction.
14 more elements
A system comprising:
- a camera, proximate to a location of a merchant, configured to capture vehicle identification information of a vehicle;
- control circuitry configured to:
- receive a request to complete a transaction with the merchant;
- identify a user associated with the vehicle identification information;
- determine a user device location of a mobile device of the user using global positioning system (GPS) coordinates of the mobile device;
- determine a vehicle location of the vehicle using GPS coordinates of the vehicle;
- and
- determine whether the user device location is within a predetermined threshold distance of the vehicle location;
- determine whether the user and the vehicle are proximate to the location of the merchant based on the determination whether the user device location is within the predetermined threshold distance of the vehicle location and the capture of the vehicle identification information capturing via the camera proximate to a location of the merchant;
- in response to the determining that the user and the vehicle are proximate to the location of the merchant:
- access merchant-stored vehicle identification and merchant-stored user identification information based on the transaction with the merchant;
- receive user identification information from the mobile device of the user;
- perform a multi-factor authentication by:
- comparing the captured vehicle identification information to the merchant-stored vehicle identification;
- and
- comparing the received user identification information to the merchant-stored user identification;
- and
- in response to the multi-factor authentication, complete the transaction.
15 more elements
Dependencies are inferred from the claim text.