Automobile mobile-interaction platform apparatuses, methods and systems

• US 10,325,248 B2
• Filed: 10/01/2014
• Issued: 06/18/2019
• Est. Priority Date: 10/01/2013
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Hammad, Ayman, Hua, Julian, Rutherford, Robert
• Primary Examiner(s): Fadok, Mark A
• Application Number:
  US14/503,921
• Publication Number:
  US 20150095190A1
• Time in Patent Office: 1,721 Days
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 30/0633 Lists, e.g. purchase orders, compilation or processing
• CPC Class Codes: G06Q 30/0641 Shopping interfaces

Abstract

The AUTOMOBILE MOBILE-INTERACTION PLATFORM APPARATUSES, METHODS AND SYSTEMS (“AMIP”) The AMIP transforms cloud-based wallet and automobile settings into transaction and automobile outputs. In some embodiments, a user may request to connect an electronic wallet account to an automobile interface. Once the user'"'"'s credentials have been authenticated, the automobile interface may request and receive from a remote server automobile-related and payment-method-related settings. The automobile interface may then configure its settings according to the received information.

Claims

1. A method for personalizing an automobile, comprising:

receiving, by an automobile, a wallet credential from a wallet application executing at a mobile computing device associated with a user;

requesting, by the automobile, a remote computer system to authenticate the wallet credential;

receiving, by the automobile, one or more profiles associated with the credential from the remote computer system in response to the remote computer system authenticating the wallet credential, the one or more profiles including payment device data and a shopping list associated with and edited by the user, wherein the shopping list includes at least one entry specifying a product or service;

configuring, by the automobile, one or more settings of the automobile to complete a purchase transaction using the wallet application based on the received one or more profiles;

receiving, by the automobile, a payment transaction request from the wallet application;

transmitting, by the automobile, payment device data corresponding to the wallet application to a payment device reader corresponding to the payment transaction request;

determining, by the automobile, a location of the automobile;

sending, by the automobile, a store inventory request to the remote computer system to determine a merchant within a predetermined distance from the location of the automobile having the product or service from the shopping list;

receiving, by the automobile, a store injection response from the remote computer system in response to the store inventory request, wherein the store injection response identifies the merchant that is within the predetermined distance from the location of the automobile having the product or service;

and

displaying, by the automobile, a visual indicator representing the merchant that is within the predetermined distance from the location of the automobile having the product or service.

2. The method of claim 1, wherein the configured one or more settings include an automobile seat position, an automobile mirror position, an automobile steering wheel position, an automobile radio setting, an automobile audio system setting, an automobile passenger compartment temperature setting, an automobile lighting setting, an automobile lock setting, an automobile handling setting, an automobile display setting, or an automobile navigation system setting.

3. The method of claim 1, wherein the one or more profiles includes a payment method profile, and wherein the configured one or more settings include a payment method setting configured based on the payment method profile.

4. The method of claim 1, further comprising:

receiving, by the automobile, input from the user specifying updated information for at least some of the one or more settings;

updating, by the automobile, the at least some of the one or more settings based on the updated information; and

transmitting, by the automobile, a profile update request to the remote computer system to update at least some of the one or more profiles based on the updated information.

5. The method of claim 1, further comprising:

receiving, by the automobile, a second credential associated with a second user;

requesting, by the automobile, the remote computer system to authenticate the second credential;

receiving, by the automobile, one or more second profiles associated with the second credential from the remote computer system; and

configuring, by the automobile, one or more settings based on the received one or more second profiles;

wherein the one or more settings of the automobile reflect both the one or more profiles and the one or more second profiles.

6. The method of claim 5, wherein the one or more profiles include a payment method profile associated with the user and the one or more second profiles include a second payment method profile associated with the second user.

7. The method of claim 6, further comprising:

displaying, by the automobile, a payment user interface that includes a payment method associated with the payment method profile and a second payment method associated with the second payment method profile;

receiving, by the automobile, a payment command specifying a portion of a bill to be charged to the payment method and a second portion of the bill to be charged to the second payment method; and

transmitting, by the automobile, at least one payment processing message to at least one payment processing system in accordance with the payment command.

8. The method of claim 7, further comprising:

transmitting, by the automobile, a confirmation prompt to a mobile device associated with the payment method profile;

transmitting, by the automobile, a second confirmation prompt to a second mobile device associated with the second payment method profile;

receiving, by the automobile, a confirmation in response to the confirmation prompt and a second confirmation in response to the second confirmation prompt;

wherein the step of transmitting the at least one payment method processing message is based at least on the received confirmation and second confirmation.

9. The method of claim 8, further comprising:

displaying, by the automobile, at least one product or service offered by the identified merchant, wherein the displayed product or service is determined to be of potential interest to the user based on the at least one entry in the shopping list.

10. The method of claim 1, further comprising:

transmitting, by the automobile, a merchant identification request to the remote computer system, wherein the merchant identification request includes the location of the automobile and information associated with the user; and

receiving, by the automobile, a response to the merchant identification request from the remote computer system;

wherein the step of identifying the merchant is based on the received response.

11. A system for personalizing an automobile, comprising:

a processor; and

a memory disposed in communication with the processor and storing processor-executable instructions for;

receiving, by an automobile, a wallet credential from a wallet application executing at a mobile computing device associated with a user;

requesting, by the automobile, a remote computer system to authenticate the wallet credential;

receiving, by the automobile, one or more profiles associated with the credential from the remote computer system in response to the remote computer system authenticating the wallet credential, the one or more profiles including payment device data and a shopping list associated with and edited by the user, wherein the shopping list includes at least one entry specifying a product or service;

configuring, by the automobile, one or more settings of the automobile to complete a purchase transaction using the wallet application based on the received one or more profiles;

receiving, by the automobile, a payment transaction request from the wallet application;

transmitting, by the automobile, payment device data corresponding to the wallet application to a payment device reader corresponding to the payment transaction request;

determining, by the automobile, a location of the automobile;

sending, by the automobile, a store inventory request to the remote computer system to determine a merchant within a predetermined distance from the location of the automobile having the product or service from the shopping list;

receiving, by the automobile, a store injection response from the remote computer system in response to the store inventory request, wherein the store injection response identifies the merchant that is within the predetermined distance from the location of the automobile having the product or service; and

displaying, by the automobile, a visual indicator representing the merchant that is within the predetermined distance from the location of the automobile having the product or service.

12. The system of claim 11, wherein the configured one or more settings include an automobile seat position, an automobile mirror position, an automobile steering wheel position, an automobile radio setting, an automobile audio system setting, an automobile passenger compartment temperature setting, an automobile lighting setting, an automobile lock setting, an automobile handling setting, an automobile display setting, or an automobile navigation system setting.

13. The system of claim 11, wherein the one or more profiles includes a payment method profile, and wherein the configured one or more settings include a payment method setting configured based on the payment method profile.

14. The system of claim 11, further comprising processor-executable instructions for:

receiving, by the automobile, input from the user specifying updated information for at least some of the one or more settings;

updating, by the automobile, the at least some of the one or more settings based on the updated information; and

transmitting, by the automobile, a profile update request to the remote computer system to update at least some of the one or more profiles based on the updated information.

15. The system of claim 11, further comprising processor-executable instructions for:

receiving, by the automobile, a second credential associated with a second user;

requesting, by the automobile, the remote computer system to authenticate the second credential;

receiving, by the automobile, one or more second profiles associated with the second credential from the remote computer system; and

configuring, by the automobile, one or more settings based on the received one or more second profiles;

wherein the one or more settings of the automobile reflect both the one or more profiles and the one or more second profiles.

16. The system of claim 15, further comprising processor-executable instructions for:

displaying, by the automobile, a payment user interface that includes a payment method associated with the payment method profile and a second payment method associated with the second payment method profile,

receiving, by the automobile, a payment command specifying a portion of a bill to be charged to the payment method and a second portion of the bill to be charged to the second payment method; and

transmitting, by the automobile, at least one payment processing message to at least one payment processing system in accordance with the payment command;

wherein the one or more profiles include a payment method profile associated with the user and the one or more second profiles include a second payment method profile associated with the second user.

17. The system of claim 16, further comprising processor-executable instructions for:

transmitting, by the automobile, a confirmation prompt to a mobile device associated with the payment method profile;

transmitting, by the automobile, a second confirmation prompt to a second mobile device associated with the second payment method profile;

receiving, by the automobile, a confirmation in response to the confirmation prompt and a second confirmation in response to the second confirmation prompt;

wherein the step of transmitting the at least one payment method processing message is based at least on the received confirmation and second confirmation.

18. A processor-readable tangible non-transitory medium storing processor-executable instructions for:

receiving, by an automobile, a wallet credential from a wallet application executing at a mobile computing device associated with a user;

requesting, by the automobile, a remote computer system to authenticate the wallet credential;

receiving, by the automobile, one or more profiles associated with the credential from the remote computer system in response to the remote computer system authenticating the wallet credential, the one or more profiles including payment device data and a shopping list associated with and edited by the user wherein the shopping list includes at least one entry specifying a product or service;

configuring, by the automobile, one or more settings of the automobile to complete a purchase transaction using the wallet application based on the received one or more profiles;

receiving, by the automobile, a payment transaction request from the wallet application;

transmitting, by the automobile, payment device data corresponding to the wallet application to a payment device reader corresponding to the payment transaction request;

determining, by the automobile, a location of the automobile;

sending, by the automobile, a store inventory request to the remote computer system to determine a merchant within a predetermined distance from the location of the automobile having the product or service from the shopping list;

receiving, by the automobile, a store injection response from the remote computer system in response to the store inventory request, wherein the store injection response identifies the merchant that is within the predetermined distance from the location of the automobile having the product or service; and

displaying, by the automobile, a visual indicator representing the merchant that is within the predetermined distance from the location of the automobile having the product or service.

19. The processor-readable tangible non-transitory medium of claim 18, herein the configured one or more settings include an automobile seat position, an automobile mirror position, an automobile steering wheel position, an automobile radio setting, an automobile audio system setting, an automobile passenger compartment temperature setting, an automobile lighting setting, an automobile lock setting, an automobile handling setting, an automobile display setting, or an automobile navigation system setting.

20. The processor-readable tangible non-transitory medium of claim 18, wherein the one or more profiles includes a payment method profile, and wherein the configured one or more settings include a payment method setting configured based on the payment method profile.

21. The processor-readable tangible non-transitory medium of claim 18, further comprising processor-executable instructions for:

receiving, by the automobile, input from the user specifying updated information for at least some of the one or more settings;

updating, by the automobile, the at least some of the one or more settings based on the updated information; and

transmitting, by the automobile, a profile update request to the remote computer system to update at least some of the one or more profiles based on the updated information.

22. The processor-readable tangible non-transitory medium of claim 18, further comprising processor-executable instructions for:

receiving, by the automobile, a second credential associated with a second user requesting, by the automobile, the remote computer system to authenticate the second credential;

receiving, by the automobile, one or more second profiles associated with the second credential from the remote computer system; and

configuring, by the automobile, one or more settings based on the received one or more second profiles;

wherein the one or more settings of the automobile reflect both the one or more profiles and the one or more second profiles.

23. The processor-readable tangible non-transitory medium of claim 22, further comprising processor-executable instructions for:

displaying, by the automobile, a payment user interface that includes a payment method associated with the payment method profile and a second payment method associated with the second payment method profile;

receiving, by the automobile, a payment command specifying a portion of a bill to be charged to the payment method and a second portion of the bill to be charged to the second payment method; and

transmitting, by the automobile, at least one payment processing message to at least one payment processing system in accordance with the payment command;

wherein the one or more profiles include a payment method profile associated with the user and the one or more second profiles include a second payment method profile associated with the second user.

24. The processor-readable tangible non-transitory medium of claim 23, further comprising processor-executable instructions for:

transmitting, by the automobile, a confirmation prompt to a mobile device associated with the payment method profile;

transmitting, by the automobile, a second confirmation prompt to a second mobile device associated with the second payment method profile;

receiving, by the automobile, a confirmation in response to the confirmation prompt and a second confirmation in response lo the second confirmation prompt;

wherein the step of transmitting the at least one payment method processing message is based at least on the received confirmation and second confirmation.