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US 12,737,743 B2Granted
Connected car as a payment device
AssigneeState Farm Mutual Automobile Insurance Company
InventorsKristopher Keith Gaudin, Justin Davis, Leo Nelson Chan
Life of this patent
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AssigneeState Farm Mutual Automobile Insurance Company
InventorsKristopher Keith Gaudin, Justin Davis, Leo Nelson Chan
Estimating the term…
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.
A computer-implemented method for making payments from a financial account of a user via wireless communication between a vehicle payment application executing on one or more processors on a head unit of a vehicle and a merchant communication terminal associated with a merchant location, the computer-implemented method comprising:
A computer system configured for making payments from a financial account of a user via wireless communication between a vehicle payment application executing on one or more processors on a head unit of a vehicle and a merchant communication terminal associated with a merchant location, the computer system comprising one or more processors, transceivers, and/or sensors configured to:
A non-transitory computer-readable medium storing thereon a set of instructions for making payments from a financial account of a user via wireless communication between a vehicle payment application executing on one or more processors on a head unit of a vehicle and a merchant communication terminal associated with a merchant location, the set of instructions when executed on one or more processors, causes the one or more processors to:
The non-transitory computer-readable medium of 16, wherein the set of instructions further causes the one or more processors to:
The non-transitory computer-readable medium of 16, wherein to authenticate the user, the set of instructions further causes the one or more processors to:
The non-transitory computer-readable medium of 18, wherein the biometric information includes at least one of:
The non-transitory computer-readable medium of 16, wherein to authenticate the user, the set of instructions further causes the one or more processors to:
Dependencies are inferred from the claim text.