System for value loading onto in-vehicle device
AssigneeCapital One Services, LLC
InventorsJeffrey RULE, Rajko ILINCIC
Life of this patent
Estimating the term…
Abstract
Various embodiments are directed to using a near-filed communication (NFC) contactless card to perform one or more transactions within a vehicle. For example, a user may load value (money, funds, digital currency, etc.) onto an in-vehicle device (transponder, badge, card, etc.) by performing one-tap authentication or one-tap payment, or both, via the contactless card. Thus, even under time-constrained circumstances, payment may be loaded to the in-vehicle device in a quick, efficient, and safe manner.
Claims20
A computer-implemented method, comprising:
- establishing, by a contactless card, near field communication (NFC) with an NFC-based device;
- sending, by the contactless card, user authentication information to the NFC-based device, wherein the user authentication information is associated with a user of the contactless card;
- in response to the sending of the user authentication information, causing the user to gain access or entry to a physical space, and
- wherein the NFC-based device communicates with one or more remote computing devices for authenticating the user authentication information received from the contactless card and determining whether the user is authorized to gain access or entry to the physical space.
A contactless card, comprising:
- a wireless interface;
- memory configured to store instructions;
- and
- processing circuitry configured to execute the instructions, that when executed, cause the processing circuitry to:
- initiate, via the wireless interface, a short range communication exchange with a receiving device;
- receive, via the wireless interface, a request from the receiving device;
- and
- send, via the wireless interface, authentication information to the receiving device, the authentication information configured to authenticate the contactless card to gain access to a physical space, and
- wherein the receiving device is configured to communicate with a system to perform one or more authentication operations on the authentication information received from the contactless card to determine whether to permit or deny access to the physical space.
A computer-readable storage medium including instructions that, when executed, cause processing circuitry of a contactless card to:
- receive, via a wireless interface, a request for data from a receiving device;
- determine, based on the request, the data comprising authentication information, payment information, or a combination thereof to send to the receiving device;
- and
- send, via the wireless interface, the data to the receiving device, and
- wherein the receiving device is configured to process the data to enable a user to access a space, provide payment, or perform a combination thereof.
Dependencies are inferred from the claim text.