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US 11,697,581 B2Granted
Efficient resource provider system
AssigneeVisa International Service Association
InventorsJagdeep Sahota, Weiyi Zhou, Lance Weber, Kiran Zaveri, Shiv Bhatt
Life of this patent
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Abstract
Systems and techniques for increasing the efficiency of a process of providing a resource by a resource provider are disclosed. In one example, a method detects a presence of a vehicle at a fuel dispenser, transmits an authorization request message automatically in response to detecting the presence of the vehicle, and automatically allows the fuel dispenser to dispense fuel to the vehicle.
Claims19
A method comprising:
- a) detecting, by a computer comprising a processor and a memory, a presence of a vehicle at a fuel dispenser by receiving information relating to an image of at least a portion of the vehicle at or approaching a resource provider by optically recognizing vehicle identification information from the vehicle;
- b) determining, by the computer, a user account based on the information relating to the image;
- c) determining, by the computer, a payment token associated with the user account;
- d) determining, by the computer, a pre-authorization amount for a financial transaction by:
- identifying a vehicle type of the vehicle based on the image;
- querying a database of vehicle information based on the vehicle type in order to obtain a resource capacity for the vehicle and to obtain a resource grade for the vehicle, wherein the database of vehicle information is a database that is separate from the user account;
- and
- calculating the pre-authorization amount based on a price for the resource grade for the vehicle and the resource capacity of the vehicle;
- e) transmitting a pre-authorization request message to an issuer bank computer, the pre-authorization request message including at least the pre-authorization amount and the payment token, wherein a real account number is substituted for the payment token by a token exchange server;
- f) upon receiving a pre-authorization response message from the issuer bank computer, authorizing the fuel dispenser to dispense fuel to the vehicle up to the determined pre-authorization amount, the pre-authorization response message including at least the payment token that is substituted for the real account number by the token exchange server;
- and
- g) after dispensing of the fuel to the vehicle is completed, generating a second authorization request message including the payment token and a transaction amount notifying the issuer bank computer to release the pre-authorization amount held on the user account,
- wherein a user of the vehicle does not interact with the fuel dispenser between or during steps a) through f).
10 more elements
A resource provider system comprising:
- one or more input sensors;
- a resource dispenser;
- a processor;
- and
- a computer readable medium coupled to the processor, the computer readable medium comprising code executable by the processor to cause the resource provider system to perform a method comprising:
- a) detecting a presence of a vehicle at a fuel dispenser by receiving information relating to an image of at least a portion of the vehicle at or approaching a resource provider by optically recognizing vehicle identification information from the vehicle;
- b) determining a user account based on the information relating to the image;
- c) determining a payment token associated with the user account;
- d) determining a pre-authorization amount for a financial transaction by:
- identifying a vehicle type of the vehicle based on the image;
- querying a database of vehicle information based on the vehicle type in order to obtain a resource capacity for the vehicle and to obtain a resource grade for the vehicle, wherein the database of vehicle information is a database that is separate from the user account;
- and
- calculating the pre-authorization amount based on a price for the resource grade for the vehicle and the resource capacity of the vehicle;
- e) transmitting a pre-authorization request message to an issuer bank computer, the pre-authorization request message including at least the pre-authorization amount and the payment token, wherein a real account number is substituted for the payment token by a token exchange server;
- f) upon receiving a pre-authorization response message from the issuer bank computer, authorizing the fuel dispenser to dispense fuel to the vehicle up to the determined pre-authorization amount, the pre-authorization response message including at least the payment token that is substituted for the real account number by the token exchange server;
- and
- g) after dispensing of the fuel to the vehicle is completed, generating a second authorization request message including the payment token and a transaction amount notifying the issuer bank computer to release the pre-authorization amount held on the user account,
- wherein a user of the vehicle does not interact with the fuel dispenser between or during steps a) through f).
15 more elements
A method comprising:
- receiving, by a computer comprising a processor and a memory, information relating to an image of at least a portion of a vehicle at or approaching a fuel dispenser, wherein the image is detected by optical recognition;
- identifying, by the computer, based on the information relating to the image, a type of resource from a plurality of types of resources;
- and
- transmitting, by the computer, a signal indicating the type of resource to a resource provider;
- determining a pre-authorization amount pre-authorized by an issuer bank computer for a financial transaction,
- wherein the determining the pre-authorization amount comprises:
- identifying a vehicle type of the vehicle based on the image;
- querying a database of vehicle information based on the vehicle type in order to obtain a resource capacity for the vehicle and to obtain a resource grade for the vehicle, wherein the database of vehicle information is a database that is separate from a user account;
- and
- calculating the pre-authorization amount based on a price for the resource grade for the vehicle and the resource capacity of the vehicle,
- transmitting a pre-authorization request message to the issuer bank computer, the pre-authorization request message including at least the pre-authorization amount and a payment token, a real account number is substituted for the payment token by a token exchange server,
- wherein the fuel dispenser is activated to provide the type of resource to the vehicle up to the determined pre-authorization amount after receiving a pre-authorization response message, the pre-authorization response message including at least the payment token that is substituted for the real account number by the token exchange server;
- and
- generating a second authorization request message including the payment token and a transaction amount notifying the issuer bank computer to release the pre-authorization amount held on the user account.
11 more elements
Dependencies are inferred from the claim text.