Methods and systems for mobile fleet card activation

• US 10,262,325 B2
• Filed: 04/29/2016
• Issued: 04/16/2019
• Est. Priority Date: 04/29/2015
• Status: Active Grant

• Current Assignee: WEX Inc.
• Original Assignee: WEX Inc.
• Inventors: Thomas, John Lind, Baker, Philip S., Singh, Maninder
• Primary Examiner(s): Ade, Garcia
• Application Number:
  US15/142,752
• Publication Number:
  US 20160321665A1
• Time in Patent Office: 1,082 Days
• Field of Search: 705 17
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/354 Card activation or deactivation
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing
• CPC Class Codes: G07F 15/001 for gas

Abstract

Disclosed are fleet mobile payment methods and systems. In an embodiment, a plurality of vehicle cards are assigned to a plurality of vehicles associated with the company, each of the plurality of vehicle cards being assigned to one vehicle. The states of the vehicle cards are initially set to suspended status. A virtual token is sent from an activation server to a mobile device corresponding to a user of the mobile device. The vehicle card may be activated by receipt of the virtual token, together with vehicle identification, by the activation server. Additional authentication may be required to complete the transaction. In preferred embodiments, the vehicle cards revert to suspended status following each authorized use.

Claims

1. A fleet mobile payment method, the method comprising:

assigning a fleet account to a company;

assigning a vehicle card to a vehicle associated with the company for paying from the fleet account for sales made for the vehicle;

setting a state of the vehicle card to a suspended state, wherein in the suspended state the vehicle card cannot be used for payments;

receiving, from a mobile device, information that includes;

a virtual token corresponding to a user of the vehicle, wherein the virtual token includes an identification of the user; and

a vehicle identification corresponding to the vehicle;

identifying, based on the information, the vehicle card;

activating the vehicle card by changing, based on the information, the state of the vehicle card from the suspended state to an active state, wherein in the active state the vehicle card can be used for payments from the fleet account;

receiving, from a point of sale, sale information requesting authorization of a sale to be performed via the vehicle card; and

authorizing payment for the sale via the vehicle card.

2. The method of claim 1, wherein:

the information further comprises an odometer reading of the vehicle.

3. The method of claim 1, wherein:

the vehicle card is a physical vehicle card placed in the vehicle; and

the user presents the vehicle card at the point of sale for performing the sale.

4. The method of claim 1, wherein the information further includes one or more of an identification of a job on which the user is working, an identification information about the user, a password, a time indication, and a location indication.

5. The method of claim 1, further comprising:

deactivating the active vehicle card by changing the state from the active state to the suspended state.

6. The method of claim 5, wherein the deactivating occurs upon occurrence of a deactivation trigger event.

7. The method of claim 6, wherein the deactivation trigger event includes one or more of authorizing a specific number of sales after a last activation, passage of some duration of time after the last activation, completion of a scheduled route by the vehicle, completion of the user'"'"'s scheduled use of the vehicle, entry of the vehicle in a specific region, and distancing of the vehicle from a scheduled route.

8. The method of claim 1, wherein the virtual token includes a string identifying the user.

9. The method of claim 1, wherein the virtual token includes an encrypted string identifying the user.

10. The method of claim 1, wherein the virtual token includes an encrypted message identifying the user.

11. A non-transitory computer readable medium storing programs that, when executed by one or more modules in a payment server, cause the one or more modules to execute a fleet mobile payment method, the method comprising:

assigning a fleet account to a company;

assigning a vehicle card to a vehicle associated with the company for paying from the fleet account for sales made for the vehicle;

setting a state of the vehicle card to a suspended state, wherein in the suspended state the vehicle card cannot be used for payments;

receiving, from a mobile device, information that includes;

a virtual token corresponding to a user of the vehicle, wherein the virtual token includes an identification of the user;

a vehicle identification corresponding to the vehicle;

identifying, based on the information, the vehicle card;

activating the vehicle card by changing, based on the information, the state of the vehicle card from the suspended state to an active state, wherein in the active state the vehicle card can be used for payments from the fleet account;

receiving, from a point of sale, sale information requesting authorization of a sale to be performed via the vehicle card; and

authorizing payment for the sale via the vehicle card.

12. The non-transitory computer readable medium of claim 11, wherein the information further includes a reading of an odometer of the vehicle.

13. The non-transitory computer readable medium of claim 11, wherein the information further includes one or more of a an identification of a job on which the user is working, an identification information about the user, a password, a time indication, and a location indication.

14. The non-transitory computer readable medium of claim 11, wherein:

the vehicle card is a physical vehicle card placed in the vehicle; and

the user presents the vehicle card at the point of sale for performing the sale.

15. The non-transitory computer readable medium of claim 11, wherein the method further comprises:

deactivating the active vehicle card by changing the state from the active state to the suspended state.

16. The non-transitory computer readable medium of claim 15, wherein the deactivating occurs upon occurrence of a deactivation trigger event.

17. The non-transitory computer readable medium of claim 16, wherein the deactivation trigger event includes one or more of authorizing a specific number of sales after a last activation, passage of some duration of time after the last activation, completion of a scheduled route by the vehicle, completion of the user'"'"'s scheduled use of the vehicle, entry of the vehicle in a specific region, and distancing of the vehicle from a scheduled route.

18. The non-transitory computer readable medium of claim 11, wherein the virtual token includes a string identifying the user.

19. The non-transitory computer readable medium of claim 11, wherein the virtual token includes an encrypted string identifying the user.

20. The non-transitory computer readable medium of claim 11, wherein the virtual token includes an encrypted message identifying the user.