US 12,770,125 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 making payments from a financial account of a user via wireless communication between a vehicle payment application executing on one or more processors and a merchant communication terminal or server associated with a merchant, the computer-implemented method comprising:

generating, by one or more processors executing a vehicle payment application, 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 executing the vehicle payment application, a selection by the user of a financial account for initiating a payment process with the merchant;
authenticating the user to ensure the user is authorized to use the financial account;
in response to receiving the selection of the financial account via the payment activation screen, presenting, by the one or more processors executing the vehicle payment application, a payment authorization screen;
determining, by the one or more processors, a vehicle is within a predetermined distance of the merchant location by comparing the merchant location to a current location of the vehicle according to a positioning sensor;
and
in response to authenticating the user and in response to determining the vehicle is within the predetermined distance of the merchant location, initiating a payment for goods or services, by the one or more processors executing the vehicle payment application, with a merchant communication terminal or server associated with the merchant.

5 more elements

A computer system configured to make payments from a financial account of a user via wireless communication between a vehicle payment application executing on one or more processors and a merchant communication terminal or server associated with a merchant, the computer system comprising the one or more processors configured to:

generate, by a vehicle payment application, 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, by the vehicle payment application, a selection by the user of a financial account for initiating a payment process with the merchant;
authenticate the user to ensure the user is authorized to use the financial account;
in response to receiving the selection the financial account via the payment activation screen, present, by the vehicle payment application, a payment authorization screen;
determine a vehicle is within a predetermined distance of the merchant location by comparing the merchant location to a current location of the vehicle according to a positioning sensor;
and
in response to authenticating the user and in response to determining the vehicle is within the predetermined distance of the merchant location, initiate a payment for goods or services, by the vehicle payment application, with a merchant communication terminal or server associated with the merchant.

5 more elements

A non-transitory computer-readable medium for making payments from a financial account of a user via wireless communication between a vehicle payment application executing on one or more processors and a merchant communication terminal or server associated with a merchant, 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, by a vehicle payment application, 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, by the vehicle payment application, a selection by the user of a financial account for initiating a payment process with the merchant;
authenticate the user to ensure the user is authorized to use the financial account;
in response to receiving a selection of the financial account via the payment activation screen, present, by the vehicle payment application, a payment authorization screen;
determine a vehicle is within a predetermined distance of the merchant location by comparing the merchant location to a current location of the vehicle according to a positioning sensor;
and
in response to authenticating the user and in response to determining the vehicle is within the predetermined distance of the merchant location, initiate a payment for goods or services, by the vehicle payment application, with a merchant communication terminal or server associated with the merchant.

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