US 12,705,596 B2 · Connected car as a payment device

Abstract

Methods, systems, apparatus, and non-transitory computer readable media are described for using a vehicle as a payment device. Various aspects may include receiving a selection of a stored financial card or financial account at a vehicle head unit. The selected financial card or financial account may be transmitted to a point-of-sale (POS) terminal for making a payment by transmitting a tokenized card number to the POS terminal. The tokenized card number may be transmitted over a very short-range communication link to ensure that the transmission is secure. For example, electronic circuitry may be attached to the exterior of the vehicle, where the electronic circuitry may be within a threshold distance (e.g. one inch, three inches, six inches, one foot, three feet, etc.) of the POS terminal. The tokenized card number may be transmitted from the vehicle head unit to the electronic circuitry and then to the POS terminal.

Claims18

Dependent claims

A computer-implemented method for purchasing goods or services from a vehicle via a vehicle payment application communicating with a merchant communication terminal or server associated with a merchant location, the method executed by one or more processors programmed to perform the method, the method comprising:

presenting, by one or more processors executing a vehicle payment application, a financial card entry screen including one or more user controls for receiving financial data for a financial account;
receiving, by the one or more processors executing the vehicle payment application, the financial data for the financial account for initiating a payment process;
generating, by the one or more processors executing the vehicle payment application, a virtual map display of a geographic area including indications of merchant locations;
receiving, by the one or more processors executing the vehicle payment application, a selection for initiating a payment process at a merchant location, and authenticating the financial account;
detecting, by the one or more processors executing the vehicle payment application, that the vehicle is within a predetermined distance of the merchant location;
and
in response to detecting that the vehicle is within a predetermined distance of the merchant location, transmitting, by the one or more processors executing the vehicle payment application, a request to purchase goods or services to a merchant communication terminal or server associated with the merchant location, the request including an indication of the financial account, wherein the request automatically activates a fuel pump and enables fuel to be dispensed to the vehicle.

4 more elements

A computer system configured for purchasing goods or services from a vehicle via a vehicle payment application communicating with a merchant communication terminal or server associated with a merchant location, the computer system comprising one or more processors, transceivers, and/or sensors configured to:

present, by a vehicle payment application, a financial card entry screen including one or more user controls for receiving financial data for a financial account
receive, by the vehicle payment application, the financial data for the financial account for initiating a payment process;
generate, by the vehicle payment application, a virtual map display of a geographic area including indications of merchant locations;
receive, by the vehicle payment application, a selection for initiating a payment process at a merchant location, and authenticating the financial account;
in response to detecting that the vehicle is within a predetermined distance of the merchant location, transmit, by the vehicle payment application, a request to purchase goods or services to a merchant communication terminal or server associated with the merchant location, the request including an indication of the financial account, wherein the request automatically activates a fuel pump and enables fuel to be dispensed to the vehicle.

2 more elements

Dependencies are inferred from the claim text.

Connected car as a payment device

Life of this patent

Connected car as a payment device

Life of this patent

Abstract

Claims18