US 12,737,744 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.

Claims17

Dependent claims

A computer-implemented method for purchasing fuel from a financial account of a user via wireless communication 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:

generating, by one or more processors, a virtual map display of a geographic area including indications of merchant locations;
in response to receiving a selection of a merchant location presented on the virtual map display, presenting a payment activation screen;
receiving, by the one or more processors, a selection by the user of a financial account for initiating a payment process at the merchant location;
authenticating the user to ensure the user is authorized to use the financial account by receiving a facial scan from the user;
in response to receiving a selection on the payment activation screen to make a payment, presenting, by the one or more processors, a payment authorization screen indicating a method of payment associated with the selected financial account;
determining, by the one or more processors, a vehicle is within a predetermined distance of the merchant location;
and
in response to authenticating the user and in response to determining the vehicle is within the predetermined distance of the merchant location, transmitting, by the one or more processors, a request to purchase fuel to a merchant communication terminal or server associated with the merchant location.

5 more elements

A computer system configured for purchasing fuel from a financial account of a user via wireless communication with a merchant communication terminal or server associated with a merchant location, the computer system comprising the one or more processors configured to:

generate a virtual map display of a geographic area including indications of merchant locations;
in response to receiving a selection of a merchant location presented on the virtual map display, present a payment activation screen;
receive a selection by the user of a financial account for initiating a payment process at the merchant location;
authenticate the user to ensure the user is authorized to use the financial account by receiving a facial scan from the user;
in response to receiving a selection on the payment activation screen to make a payment, present a payment authorization screen indicating a method of payment associated with the selected financial account;
determine a vehicle is within a predetermined distance of the merchant location;
and
in response to authenticating the user and in response to determining the vehicle is within the predetermined distance of the merchant location, transmit a request to purchase fuel to a merchant communication terminal or server associated with the merchant location.

5 more elements

A non-transitory computer-readable medium for purchasing fuel from a financial account of a user via wireless communication with a merchant communication terminal or server associated with a merchant location, the non-transitory computer-readable medium storing thereon a set of instructions that, when executed on the one or more processors, causes the one or more processors to:

generate a virtual map display of a geographic area including indications of merchant locations;
in response to receiving a selection of a merchant location presented on the virtual map display, present a payment activation screen;
receive a selection by the user of a financial account for initiating a payment process at the merchant location;
authenticate the user to ensure the user is authorized to use the financial account by receiving a facial scan from the user;
in response to receiving a selection on the payment activation screen to make a payment, present a payment authorization screen indicating a method of payment associated with the selected financial account;
determine a vehicle is within a predetermined distance of the merchant location;
and
in response to authenticating the user and in response to determining the vehicle is within the predetermined distance of the merchant location, transmit a request to purchase fuel to a merchant communication terminal or server associated with the merchant location.

5 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

Claims17