Techniques for an in-vehicle electronic wallet

• US 10,332,104 B2
• Filed: 08/01/2013
• Issued: 06/25/2019
• Est. Priority Date: 08/01/2013
• Status: Active Grant

• Current Assignee: Intel Corporation
• Original Assignee: Intel Corporation
• Inventors: Prakash, Gyan, Dadu, Saurabh, Poornachandran, Rajesh, Sitbon, Phillip
• Primary Examiner(s): King, Joseph W.
• Application Number:
  US14/129,931
• Publication Number:
  US 20150220916A1
• Time in Patent Office: 2,154 Days
• Field of Search: None
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G07B 15/063 using wireless information transmission between the vehicle and a fixed station identification of vehicles G08G

Abstract

Various embodiments are generally directed to an apparatus, method and other techniques for activating a payment account for a vehicle electronic wallet component and to associate the payment account with a vehicle. In various embodiments, a request for payment for a transaction may be received over a contactless communication link when the vehicle is in proximity to a payment processing entity and authentication information to approve the request for payment may be received. Payment information corresponding to the payment account may be transmitted over the contactless communication link to the payment processing entity to enable payment for the transaction.

Claims

1. An in-vehicle electronic wallet integrated into a vehicle, comprising:

a processor component;

a location determination device, operably coupled to the processor component, which determines a location of the vehicle and indicates that the vehicle is in motion; and

a vehicle electronic wallet component, at least a portion of which is in hardware, the vehicle electronic wallet component comprising;

a contactless communication interface component, at least a portion of which is in hardware, which receives a request for payment from a payment processing entity for a transaction over a contactless communication link when within a detected proximity to the payment processing entity;

an electronic wallet authentication component, at least a portion of which is in hardware, which receives authentication information and approves the request for payment based, at least in part, on the location of the vehicle determined by the location determination device and an indication from the location determination device that the vehicle is in motion towards the payment processing entity;

an electronic wallet payment component, at least a portion of which is in hardware, which;

sends payment information corresponding to a payment account over the contactless communication link to the payment processing entity for payment of the transaction responsive to receipt of the authentication information for approval of the request for payment, and

sends the request for payment, the location of the vehicle and the indication the vehicle is in motion towards the payment processing entity to the mobile device over the mobile communication link; and

an electronic wallet mobile interface component, at least a portion of which is in hardware, which receives authentication information and approves the request for payment from the mobile device over the mobile communication link.

2. The in-vehicle electronic wallet integrated into a vehicle of claim 1, the vehicle electronic wallet component comprising an electronic wallet cloud activation component, at least a portion of which is in hardware, which activates a payment account for the vehicle electronic wallet component and associates the payment account with vehicle information for the vehicle.

3. The in-vehicle electronic wallet integrated into a vehicle of claim 1, the authentication information comprising a personal identification number or a voice passphrase, the electronic wallet payment component sends payment information based on a comparison of the authentication information and a stored authentication information.

4. The in-vehicle electronic wallet integrated into a vehicle of claim 1, comprising:

an input/output (I/O) component, at least a portion of which is in hardware, which receives the authentication information for approval of the request for payment, the I/O component including one or more of a biometric sensor, a microphone, and a touch interface; and

a display component, at least a portion of which is in hardware, which displays a receipt for the transaction.

5. The in-vehicle electronic wallet integrated into a vehicle of claim 2, the electronic wallet cloud activation component sends user details and a vehicle identification number for activating the payment account and associating the payment account with vehicle information for the vehicle.

6. The in-vehicle electronic wallet integrated into a vehicle of claim 2, the electronic wallet cloud activation component activates a plurality of payment accounts for the vehicle electronic wallet component, the electronic wallet payment component sends payment information of one of the plurality of payment accounts for enabling payment for the transaction.

7. The in-vehicle electronic wallet integrated into a vehicle of claim 1, the vehicle electronic wallet component comprising an electronic wallet management component, at least a portion of which is in hardware, which receives the payment information and payment settings corresponding to the payment account and stores the payment information and payment settings in a secure location, the secure location comprising a local storage location or a remote storage location.

8. The in-vehicle electronic wallet integrated into a vehicle of claim 7, the payment settings comprising a maximum transaction amount, a transaction location policy, and a stored authentication information.

9. The in-vehicle electronic wallet integrated into a vehicle of claim 7, the payment information comprising, a user name, a credit card number, an expiration date, and a credit card security code.

10. The in-vehicle electronic wallet integrated into a vehicle of claim 7, the electronic wallet management component stores payment information and payment settings corresponding to each one of a plurality of payment accounts in the secure location, the secure location comprising a local storage location or a remote storage location.

11. The in-vehicle electronic wallet integrated into a vehicle of claim 7, the vehicle electronic wallet component comprising:

an input/output (I/O) component, at least a portion of which is in hardware which receives information for the payment account; and

the electronic wallet management component adds, deletes, or modifies the payment account, the payment account information or the payment account settings based on information for the payment account received via the I/O component.

12. The in-vehicle electronic wallet integrated into a vehicle of claim 1, the electronic wallet payment component sends loyalty account information corresponding to the payment processing entity to the payment processing entity via the contactless communication component for the transaction.

13. The in-vehicle electronic wallet integrated into a vehicle of claim 1, at least a portion of the vehicle electronic wallet component integrated with a vehicle part.

14. The in-vehicle electronic wallet integrated into a vehicle of claim 1, comprising an input/output (I/O) component, at least a portion of which is in hardware, which receives the authentication information for approval of the request for payment, the I/O component having at least one input device and being integrated into one of a fuel cap and a fuel door of the vehicle.

15. The in-vehicle electronic wallet integrated into a vehicle of claim 1, the electronic wallet authentication component generates a prompt responsive to receiving the request for payment from the payment processing entity, the prompt comprising haptic feedback via generation of a vibration of a component of the vehicle.

16. The in-vehicle electronic wallet integrated into a vehicle of claim 1, the vehicle electronic wallet transmits an availability indication to the payment processing entity responsive to a determination that the vehicle is within a detected proximity to the payment processing entity.

17. An article of manufacture comprising a non-transitory computer-readable storage medium comprising instructions that when executed by a computing system integrated into a vehicle, cause the computing system to:

determine a location of the vehicle and indicate whether the vehicle is in motion;

receive a request from a payment processing entity for payment for a transaction over a contactless communication link when within a detected proximity to the payment processing entity;

receive authentication information for approving the request for payment based, at least in part, on the location of the vehicle and an indication the vehicle is in motion towards the payment processing entity;

send payment information corresponding to a payment account over the contactless communication link to the payment processing entity for payment of the transaction responsive to receipt of the authentication information for approving the request for payment;

send the request for payment, the location of the vehicle and the indication the vehicle is in motion towards the payment processing entity to a mobile device over a mobile communication link; and

receive the authentication information for approving the request for payment from the mobile device over the mobile communication link.

18. The article of manufacture of claim 17 comprising instructions that when executed cause the computing system to activate the payment account and to associate the payment account with vehicle information for the vehicle.

19. The article of manufacture of claim 17, the authentication information comprising a personal identification number or a voice passphrase, and the instructions, when executed by the computing system, cause the computing system to send payment information based on a comparison of the authentication information and stored authentication information.

20. The article of manufacture of claim 17 comprising instructions that, when executed by the computing system, cause the computing system to send user details and a vehicle identification number to activate the payment account and associate the payment account with vehicle information for the vehicle.

21. The article of manufacture of claim 17, comprising instructions that, when executed by the computing system, cause the computing system to activate a plurality of payment accounts and send payment information of one of the plurality of activated payment accounts to enable payment for the transaction.

22. The article of manufacture of claim 17, comprising instructions that, when executed by the computing system, cause the computing system to:

receive the payment information and payment settings corresponding to the payment account; and

store the payment information and payment settings in a secure location, the secure location comprising a local storage location or a remote storage location.

23. The article of manufacture of claim 17, comprising instructions that, when executed by the computing system, cause the computing system to send loyalty account information corresponding to the payment processing entity to the payment processing entity for the transaction.

24. A computer-implemented method, by a computing device integrated into a vehicle, comprising:

determining;

a location of the vehicle, and

an indication that the vehicle is in motion towards a payment processing entity;

receiving a request for payment for a transaction over a contactless communication link when the vehicle is within a detected proximity to the payment processing entity;

receiving authentication information for approving the request for payment based, at least in part, on the location of the vehicle and the indication that the vehicle is in motion towards the payment processing entity;

sending payment information corresponding to a payment account over the contactless communication link to the payment processing entity for payment of the transaction responsive to receipt of the authentication information for approving the request for payment;

sending the request for payment, the location of the vehicle and the indication the vehicle is in motion towards the payment processing entity to a mobile device over a mobile communication link; and

receiving the authentication information for approving the request for payment from the mobile device over the mobile communication link.

25. The computer-implemented method of claim 24, comprising:

sending user details and a vehicle identification number for activating the payment account and associating the payment account with vehicle information.