Methods and systems for processing electronic transactions and managing vehicle costs

A computer device coupled to a vehicle for performing an electronic transaction, using a payment computer coupled to a database, the transaction being initiated by the cardholder with a merchant, said vehicle computer device programmed to:

• access an offer data from the merchant;
• transmit a purchase data associated with a purchase item of the offer data from the vehicle computer to the merchant;
• transmit a transaction data comprising a vehicle identifier associated with the vehicle, an account data associated with the cardholder and the purchase data to the payment computer for storage thereon;
• and
• access, by the vehicle identifier, the stored transaction data from the payment computer.

One or more non-transitory computer-readable storage media having computer-executable instructions embodied thereon for processing an electronic transaction using a payment computer coupled to a database, the electronic transaction including an item purchased in association with a vehicle and initiated by a cardholder with a merchant, wherein the payment computer includes a memory device and a processor, wherein when executed by said processor, said computer-executable instructions cause said processor to:

• receive an authorization request message from the merchant, the authorization request message including a first transaction data, wherein the first transaction data includes a vehicle identifier for identifying the vehicle, an account data associated with the cardholder, and a purchase data associated with a first purchased item;
• transmit an authorization response message including an approval of the electronic transaction by an issuer bank;
• store, within the database, the first transaction data including the vehicle identifier;
• store, within the database, other transaction data associated with other purchased items for the vehicle, wherein the first transaction data and the other transaction data define a total transaction data associated with the vehicle;
• and
• track, by the vehicle identifier, the total transaction data for access by the cardholder.

A system for performing an electronic transaction including an item purchased in association with a vehicle and initiated by a cardholder with a merchant, said system comprising:

• an payment computer configured to:
• receive an authorization request message from the merchant, the authorization request message including a first transaction data, wherein the first transaction data includes a vehicle identifier for identifying the vehicle, an account data associated with the cardholder, and purchase data associated with a first purchased item;
• transmit an authorization response message including an approval of the electronic transaction by an issuer bank;
• store, within the database, the first transaction data including the vehicle identifier;
• store, within the database, other transaction data associated with other purchased items for the vehicle, wherein the first transaction data and the other transaction data define a total transaction data associated with the vehicle;
• and
• track, by the vehicle identifier, the total transaction data for access by the cardholder;
• and
• a vehicle computer configured to:
• transmit a call report to the payment computer;
• and
• receive, from the payment computer, a report message associated with the total transaction data.