Connected car as a payment device
First Claim
1. A computer-implemented method for using a vehicle as a payment device, the method executed by one or more processors in a head unit of a vehicle programmed to perform the method, the method comprising:
- receiving, at the one or more processors in the head unit of the vehicle, one or more sets of financial data each corresponding to a financial account for making payments;
for each of the one or more sets of financial data, obtaining, by the one or more processors, a token representing the set of financial data;
in response to receiving an indication from a user within the vehicle that the user wants to initiate a payment process, authenticating, by the one or more processors, the user to ensure the user is authorized to use the one or more financial accounts for making payments by receiving and verifying authentication information from the user;
upon authenticating the user, receiving, at the one or more processors, a selection by the user of one of the one or more financial accounts;
transmitting, by the one or more processors via a first short-range communication link, an indication of the selected financial account to an electronic device proximately attached to an exterior of the vehicle; and
transmitting, by the electronic device proximately attached to the exterior of the vehicle via a second very short-range communication link, a token corresponding to the selected financial account to a point-of-sale (POS) terminal to purchase goods or services associated with the POS terminal from the vehicle using the selected financial account, wherein the second very short-range communication link includes near field communication (NFC) or high frequency radio frequency identification (HF RFID).
1 Assignment
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Accused Products
Abstract
Methods, systems, apparatus, and non-transitory computer readable media are described for using a vehicle as a payment device. Various aspects may include receiving a selection of a stored financial card or financial account at a vehicle head unit. The selected financial card or financial account may be transmitted to a point-of-sale (POS) terminal for making a payment by transmitting a tokenized card number to the POS terminal. The tokenized card number may be transmitted over a very short-range communication link to ensure that the transmission is secure. For example, electronic circuitry may be attached to the exterior of the vehicle, where the electronic circuitry may be within a threshold distance (e.g. one inch, three inches, six inches, one foot, three feet, etc.) of the POS terminal. The tokenized card number may be transmitted from the vehicle head unit to the electronic circuitry and then to the POS terminal.
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Citations
20 Claims
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1. A computer-implemented method for using a vehicle as a payment device, the method executed by one or more processors in a head unit of a vehicle programmed to perform the method, the method comprising:
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receiving, at the one or more processors in the head unit of the vehicle, one or more sets of financial data each corresponding to a financial account for making payments; for each of the one or more sets of financial data, obtaining, by the one or more processors, a token representing the set of financial data; in response to receiving an indication from a user within the vehicle that the user wants to initiate a payment process, authenticating, by the one or more processors, the user to ensure the user is authorized to use the one or more financial accounts for making payments by receiving and verifying authentication information from the user; upon authenticating the user, receiving, at the one or more processors, a selection by the user of one of the one or more financial accounts; transmitting, by the one or more processors via a first short-range communication link, an indication of the selected financial account to an electronic device proximately attached to an exterior of the vehicle; and transmitting, by the electronic device proximately attached to the exterior of the vehicle via a second very short-range communication link, a token corresponding to the selected financial account to a point-of-sale (POS) terminal to purchase goods or services associated with the POS terminal from the vehicle using the selected financial account, wherein the second very short-range communication link includes near field communication (NFC) or high frequency radio frequency identification (HF RFID). - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A system for using a vehicle as a payment device, the system comprising:
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one or more processors in a head unit of a vehicle; an electronic device proximately attached to an exterior of the vehicle; a non-transitory computer-readable memory coupled to the one or more processors and storing thereon instructions that, when executed by the one or more processors, cause the system to; receive one or more sets of financial data each corresponding to a financial account for making payments; for each of the one or more sets of financial data, obtain a token representing the set of financial data; in response to receiving an indication from a user within the vehicle that the user wants to initiate a payment process, authenticate the user to ensure the user is authorized to use the one or more financial accounts for making payments by receiving and verifying authentication information from the user; upon authenticating the user, receive a selection by the user of one of the one or more financial accounts; and transmit via a first short-range communication link, an indication of the selected financial account to the electronic device proximately attached to the exterior of the vehicle; and in response to receiving the indication of the selected financial account, the electronic device is configured to; transmit, via a second very short-range communication link, a token corresponding to the selected financial account to a point-of-sale (POS) terminal to purchase goods or services associated with the POS terminal from the vehicle using the selected financial account, wherein the second very short-range communication link includes near field communication (NFC) or high frequency radio frequency identification (HF RFID). - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A non-transitory computer-readable medium storing thereon a set of instructions that, when executed on one or more processors in a head unit of a vehicle, causes the one or more processors to:
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receive one or more sets of financial data each corresponding to a financial account for making payments; for each of the one or more sets of financial data, obtain a token representing the set of financial data; in response to receiving an indication from a user within the vehicle that the user wants to initiate a payment process, authenticate the user to ensure the user is authorized to use the one or more financial accounts for making payments by receiving and verifying authentication information from the user; upon authenticating the user, receive a selection by the user of one of the one or more financial accounts; and transmit via a first short-range communication link, an indication of the selected financial account to an electronic device proximately attached to an exterior of the vehicle; and in response to receiving the indication of the selected financial account, the electronic device is configured to; transmit, via a second very short-range communication link, a token corresponding to the selected financial account to a point-of-sale (POS) terminal to purchase goods or services associated with the POS terminal from the vehicle using the selected financial account, wherein the second very short-range communication link includes near field communication (NFC) or high frequency radio frequency identification (HF RFID). - View Dependent Claims (16, 17, 18, 19, 20)
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Specification