# US 2019/0318352 A1 · Wireless Digital Payment For Vehicles

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- Number: US 2019/0318352 A1
- Document ID: US20190318352A1
- Status: Published application
- Kind: A1
- Application number: 15/952,385
- Filed: 2018-04-13
- Published: 2019-10-17
- Earliest claimed: 2018-04-13
- Assignees: Ford Global Technologies, LLC
- Applicants: Ford Global Technologies, LLC
- Inventors: Karl Nathan Clark; Xin Ye; Eric Williams; Satish Rayarapu
- Web page: https://patentgrep.com/patent/US20190318352A1

## CPC

- G06Q 20/3224: {Transactions dependent on location of M-devices}
- G06Q 20/3823: {combining multiple encryption tools for a transaction}
- G06Q 20/127: {Shopping or accessing services according to a time-limitation}
- G06Q 20/145: {Payments according to the detected use or quantity}
- G06Q 20/204: {comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit}
- G06Q 20/322: {Aspects of commerce using mobile devices [M-devices]}
- G06Q 20/325: {using wireless networks}
- G06Q 20/326: {Payment applications installed on the mobile devices}
- G06Q 20/3263: {characterised by activation or deactivation of payment capabilities}
- G06Q 20/3821: {Electronic credentials}
- G06Q 20/38215: {Use of certificates or encrypted proofs of transaction rights}
- G06Q 20/4012: {Verifying personal identification numbers [PIN]}
- G06Q 20/40145: {Biometric identity checks}
- G07C 5/008: {communicating information to a remotely located station (transmission systems for measured values G08C)}
- G07F 9/001: {Interfacing with vending machines using mobile or wearable devices}
- G07F 17/0057: {for the hiring or rent of vehicles, e.g. cars, bicycles or wheelchairs (car rental G07B15/00)}
- G06Q 2220/00: Business processing using cryptography
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G07C: TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
- G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00})

## Abstract

A vehicle system comprises a processor programmed to responsive to a successful authentication of a user, launch a payment application and establish a wireless communication with a payment terminal; exchange a security certificate with the payment terminal; and authorize a transaction by transmitting transaction information including ECU information to the payment terminal.

## Claims

### Claim 1

A vehicle system, comprising:
a processor programmed to
responsive to a successful authentication of a user, launch a payment application and establish a wireless communication with a payment terminal;
exchange a security certificate with the payment terminal; and
authorize a transaction by transmitting transaction information including ECU information to the payment terminal.

### Claim 2 (depends on 1)

The vehicle system of claim 1, wherein the authentication of the user is performed by authenticating at least one of: a personal identification number (PIN) or a biometric factor.

### Claim 3 (depends on 2)

The vehicle system of claim 2, wherein the biometric factor includes at least one of: fingerprint information or facial recognition information.

### Claim 4 (depends on 1)

The vehicle system of claim 1, wherein the processor is further programmed to send a vehicle identification information to the payment terminal.

### Claim 5 (depends on 4)

The vehicle system of claim 4, wherein the vehicle identification information includes at least one of: a vehicle identification number (VIN), vehicle registration, vehicle year, vehicle make, vehicle model, or vehicle color.

### Claim 6 (depends on 1)

The vehicle system of claim 1, wherein the processor is further programmed to send a user information to the payment terminal.

### Claim 7 (depends on 6)

The vehicle system of claim 6, wherein the user information includes a picture of the user.

### Claim 8 (depends on 1)

The vehicle system of claim 1, wherein the processor is further programmed to communicate with a mobile device and receive the authentication of the user from the mobile device.

### Claim 9 (depends on 1)

The vehicle system of claim 1, wherein the processor is further configured to, responsive to detecting a wireless signal transmitted from the payment terminal, invite the user to authenticate.

### Claim 10

A payment terminal, comprising:
a processor programmed to
establish a wireless connection to a digital entity responsive to a successful authentication of a user on the digital entity;
exchange security certificate with the digital entity;
receive a payment authorization including an ECU signature from the digital entity;
send the payment authorization to a server; and
receive an approval from the server.

### Claim 11 (depends on 10)

The payment terminal of claim 10, wherein the digital entity is a vehicle.

### Claim 12 (depends on 10)

The payment terminal of claim 10, wherein the digital entity is a mobile device associated with a vehicle.

### Claim 13 (depends on 10)

The payment terminal of claim 10, wherein the processor is further programmed to receive a vehicle identification information from the digital entity.

### Claim 14 (depends on 13)

The payment terminal of claim 13, wherein the vehicle identification information includes at least one of: a vehicle identification number (VIN), vehicle registration, vehicle year, vehicle make, vehicle model, or vehicle color.

### Claim 15 (depends on 10)

The payment terminal of claim 10, wherein the processor is further programmed to receive a user identification information from the digital entity.

### Claim 16 (depends on 15)

The payment terminal of claim 15, wherein the user information includes a picture of the user.

### Claim 17 (depends on 16)

The payment terminal of claim 16, wherein the processor is further programmed to
receive an image of the user captured by a camera; and
perform facial recognition using the picture and the image of the user.