Vehicle-based identification and access

• US 10,319,166 B2
• Filed: 05/01/2017
• Issued: 06/11/2019
• Est. Priority Date: 05/05/2016
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Gaddam, Sivanarayana, Kohli, Gaurav, Prakash, Gyan
• Primary Examiner(s): Wilson, Brian
• Application Number:
  US15/583,808
• Publication Number:
  US 20170323505A1
• Time in Patent Office: 771 Days
• CPC Class Codes: G06Q 30/0635 Processing of requisition or of purchase orders
• CPC Class Codes: G07B 15/00 Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points handling coins or valuable papers, e.g. banknotes, G07D; apparatus for vending or hiring articles or services activated by coins, credit cards, paper currency or the like G07F7/00, G07F17/00
• CPC Class Codes: G07C 2009/00928 for garage doors
• CPC Class Codes: G07C 9/00309 operated with bidirectional data transmission between data carrier and locks
• CPC Class Codes: G07C 9/00896 specially adapted for particular uses
• CPC Class Codes: H04L 63/08 for authentication of entities cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32

Abstract

A method for conducting an interaction using a vehicle is disclosed. A vehicle can be identified based on one or more vehicle characteristics, including a license plate number, a make, a model, and a color. A user credential can be identified based on the vehicle and used for an interaction. Additionally, user contact information can be identified based on the vehicle and the user can be contacted to approve the interaction.

Claims

1. A method comprising:

receiving, by a server computer, vehicle information associated with a vehicle, wherein the vehicle is approaching a merchant access device;

determining, by the server computer, a vehicle record associated with the vehicle based on the vehicle information;

identifying, by the server computer, a mobile device associated with the vehicle based on the vehicle record;

receiving, by the server computer, from the merchant access device, transaction details for a transaction associated with the vehicle;

sending, by the server computer, a transaction approval request to the mobile device, the transaction approval request including the transaction details;

receiving, by the server computer, from the mobile device, a transaction approval response indicating that a user consents to the transaction details for the transaction;

identifying, by the server computer, a credential associated with the vehicle based on the vehicle record; and

after receiving the transaction approval response from the mobile device, providing, by the server computer, the credential to the merchant access device, wherein the merchant access device sends an authorization request message including the credential to an authorizing entity computer, and wherein the authorizing entity computer authorizes the transaction based on the credential.

2. The method of claim 1, wherein the mobile device is an integrated component of the vehicle.

3. The method of claim 1, further comprising:

determining, by the server computer, vehicle characteristics based on the vehicle information, and

wherein determining the vehicle record includes;

comparing the vehicle characteristics with a plurality of vehicle characteristics associated with a plurality of vehicle records in a database, and

identifying a matching set of vehicle characteristics from the plurality of vehicle characteristics.

4. The method of claim 3, wherein the vehicle information was obtained using vehicle detection hardware, the vehicle detection hardware including at least one of a camera and a scale, wherein the vehicle information includes at least one of a picture and a weight, and wherein the vehicle characteristics include at least one of a color, a make, and a model.

5. The method of claim 1, wherein the credential is an access code, wherein the merchant access device is an access gate, wherein the authorized transaction indicates that access is granted, and wherein the vehicle enters a parking garage after the transaction is authorized.

6. The method of claim 1, wherein the merchant access device is a first merchant access device associated with a first merchant, wherein the transaction is a first transaction, wherein the transaction details are first transaction details, wherein the transaction approval request is a first transaction approval request, wherein the transaction approval response is a first transaction approval response, wherein the authorization request message is a first authorization request message, and further comprising:

receiving, by the server computer, vehicle information associated with the vehicle, wherein the vehicle is approaching a second merchant access device, wherein the second merchant access device is associated with a second merchant, the second merchant being not associated with the first merchant;

determining, by the server computer, the vehicle record associated with the vehicle based on the vehicle information;

identifying, by the server computer, the mobile device associated with the vehicle based on the vehicle record;

receiving, by the server computer, from the second merchant access device, second transaction details for a second transaction associated with the vehicle;

sending, by the server computer, a second transaction approval request to the mobile device, the second transaction approval request including the second transaction details;

receiving, by the server computer, from the mobile device, a second transaction approval response indicating that the user consents to the second transaction details for the second transaction;

identifying, by the server computer, the credential associated with the vehicle based on the vehicle record; and

after receiving the second transaction approval response from the mobile device, providing, by the server computer, the credential to the second merchant access device, wherein the second merchant access device sends a second authorization request message including the credential to the authorizing entity computer, and wherein the authorizing entity computer authorizes the second transaction based on the credential.

7. A server computer comprising:

a processor; and

a computer readable medium, the computer readable medium comprising code, executable by the processor, for implementing a method comprising;

receiving vehicle information associated with a vehicle, wherein the vehicle is approaching a merchant access device;

determining a vehicle record associated with the vehicle based on the vehicle information;

identifying a mobile device associated with the vehicle based on the vehicle record;

receiving, from the merchant access device, transaction details for a transaction associated with the vehicle;

sending a transaction approval request to the mobile device, the transaction approval request including the transaction details;

receiving, from the mobile device, a transaction approval response indicating that a user consents to the transaction details for the transaction;

identifying a credential associated with the vehicle based on the vehicle record; and

after receiving the transaction approval response from the mobile device, providing the credential to the merchant access device, wherein the merchant access device sends an authorization request message including the credential to an authorizing entity computer, and wherein the authorizing entity computer authorizes the transaction based on the credential.

8. The server computer of claim 7, wherein the mobile device is an integrated component of the vehicle.

9. The server computer of claim 7, further comprising:

determining vehicle characteristics based on the vehicle information, and

wherein determining the vehicle record includes;

comparing the vehicle characteristics with a plurality of vehicle characteristics associated with a plurality of vehicle records in a database, and

identifying a matching set of vehicle characteristics from the plurality of vehicle characteristics.

10. The server computer of claim 9, wherein the vehicle information was obtained using vehicle detection hardware, the vehicle detection hardware including at least one of a camera and a scale, wherein the vehicle information includes at least one of a picture and a weight, and wherein the vehicle characteristics include at least one of a color, a make, and a model.

11. The server computer of claim 7, wherein the credential is an access code, wherein the merchant access device is an access gate, wherein the authorized transaction indicates that access is granted, and wherein the vehicle enters a parking garage after the transaction is authorized.

12. A method comprising:

receiving, by a server computer, from a vehicle detection system at a merchant location associated with a merchant, vehicle information associated with a vehicle, wherein the vehicle is approaching a merchant access device associated with the merchant;

determining, by the server computer, a vehicle record associated with the vehicle based on the vehicle information;

identifying, by the server computer, a mobile device associated with the vehicle based on the vehicle record;

determining, by the server computer, a merchant record associated with the merchant;

identifying, by the server computer, application settings associated with the merchant record; and

transmitting, by the server computer, the application settings to the mobile device, wherein the mobile device applies the application settings to a mobile application, wherein a user selects transaction details via the mobile application for a transaction; and

receiving, by the server computer, a transaction request from the mobile device, the transaction request including the transaction details for the transaction, wherein an authorization request message including at least some of the transaction details is sent to an authorizing entity computer, and wherein the authorizing entity computer authorizes the transaction.

13. The method of claim 12, further comprising:

identifying, by the server computer, an access code associated with the vehicle based on the vehicle record, wherein the authorization request message includes the access code, wherein the merchant access device is an access gate, wherein the authorized transaction indicates that access is granted, and wherein the vehicle enters a parking garage after the transaction is authorized.

14. The method of claim 12, wherein the application settings include a merchant name.

15. The method of claim 12, wherein the application settings include a merchant-specific graphical user interface.

16. The method of claim 12, wherein the application settings include a merchant-specific menu, and wherein the transaction details are selected from the merchant-specific menu.

17. The method of claim 12, wherein applying the application settings to the mobile application changes a look and feel of the mobile application.

18. The method of claim 12, wherein applying the application settings to the mobile application changes a functionality of the mobile application.

19. The method of claim 12, further comprising:

sending, by the server computer, the authorization request message to the authorizing entity computer on behalf of the merchant access device.

20. The method of claim 12, wherein the authorizing entity computer sends an authorization response message to the merchant access device indicating that the transaction is authorized.

21. The method of claim 20, wherein the transaction details are provided to the merchant access device via the authorization response message.