Value-added services data and protocol and transactions involving vehicle specific data

• US 10,535,077 B2
• Filed: 11/05/2015
• Issued: 01/14/2020
• Est. Priority Date: 11/05/2014
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Enriquez, Martin, Srivastava, Chandra, Ovick, Joseph Bjorn
• Primary Examiner(s): Li, Sun M
• Application Number:
  US14/933,756
• Publication Number:
  US 20160125458A1
• Time in Patent Office: 1,531 Days
• Field of Search: 705 144, 705 1473
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• CPC Class Codes: G06Q 30/0253 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0265 Vehicular advertisement
• CPC Class Codes: G06Q 30/0267 Wireless devices

Abstract

A method for enabling a value-added transaction involving a vehicle and a merchant via a mobile device is disclosed. Merchant information may be broadcasted from a merchant terminal. Vehicle specific data may be received at the merchant terminal identifying the vehicle in response to the broadcasted merchant information. Transaction data may be provided to the mobile device to initiate an intended transaction. Payment data may be received from the mobile device at the merchant terminal in response to the provided transaction data. Before completing the intended transaction, a value-added transaction offer may be provided to the mobile device. In response to the provided value-added transaction offer, an acceptance of the value-added transaction offer may be received. The intended transaction and the value-added transaction offer may be completed as a single transaction.

Claims

1. A computer-implemented method for enabling a value-added transaction involving a vehicle and a merchant via a mobile device, the computer-implemented method comprising:

broadcasting merchant information from a merchant terminal via a wireless signal, said merchant terminal comprising a point-of-sale device for processing a vehicle-based intended transaction and the value-added transaction;

wherein the mobile device is configured to receive and process the wireless signal via a software program installed thereon;

receiving, at the merchant terminal, a data packet via the wireless signal generated by the mobile device in response to the broadcasted merchant information, wherein the data packet includes the merchant information and vehicle specific data received by the mobile device from an on-board diagnostic portal of the vehicle, wherein the mobile device, via the software program, is in communication with the on-board diagnostic portal of the vehicle, said mobile device being a separate device from the vehicle;

wherein the mobile device is configured to receive payment data from a user via input interfaces of the mobile device;

triggered by the received vehicle specific data in the data packet, providing, by the merchant terminal, transaction data to the mobile device to initiate the vehicle-based intended transaction, said vehicle-based intended transaction comprising at least one of the following;

parking, drive-thru, gas station, charging station, and order pickup;

in response to the provided transaction data of the vehicle-based intended transaction, exchanging between a payment network server and the mobile device an authentication token to authenticate the vehicle-based intended transaction;

receiving payment data, from the mobile device, in the data packet with the authentication token and the vehicle specific data at the merchant terminal in response to the provided transaction data;

before completing the intended transaction, by the payment network server, determining additional data of a value-added transaction offer to be transmitted to the mobile device, said value-added transaction offer being a non-vehicle-based transaction offer;

transmitting, from the payment network server, to the mobile device the additional data of the value-added transaction offer;

in response to the transmitted additional data with the value-added transaction offer, receiving an acceptance of the value-added transaction offer in the data packet from the mobile device; and

completing, by the merchant terminal, the intended transaction and the value-added transaction offer as a single transaction when processing the data packet.

2. The computer-implemented method of claim 1, wherein broadcasting comprises broadcasting via at least one of the following:

an iBeacon, a Wi-Fi signal, a cellular signal, and an RF signal.

3. The computer-implemented method of claim 1, wherein the vehicle specific data comprises a vehicle identification number (VIN) of the vehicle.

4. The computer-implemented method of claim 1, wherein generating the vehicle specific data comprises generating a unique electronic signature.

5. The computer-implemented method of claim 1, wherein receiving the payment data comprises receiving a unique identifier of the mobile device.

6. The computer-implemented method of claim 1, wherein the mobile device receives the vehicle specific data from one of the following:

a port in communication with an electronic system of the vehicle and a maintenance port of the vehicle.

7. The computer-implemented method of claim 6, wherein the maintenance port is an on-board diagnostic II port.

8. The computer-implemented method of claim 1, wherein receiving payment data comprises receiving credit card data.

9. The computer-implemented method of claim 1, wherein providing the transaction data to the mobile device comprises providing the transaction data to a display disposed on the vehicle.

10. A system for enabling value-added transaction involving a vehicle and a merchant via a mobile device, the system comprising:

a wireless signal emitting device of a merchant configured for broadcasting merchant information via a wireless signal, said wireless signal emitting device comprising a point-of-sale device for processing a vehicle-based intended transaction and the value-added transaction;

wherein the mobile device is configured to receive and process the wireless signal via a software program installed thereon;

wherein the wireless signal emitting device of the merchant is configured for receiving a data packet via the wireless signal generated by the mobile device in response to the broadcasted merchant information, wherein the data packet includes the merchant information and vehicle specific data identifying the vehicle, received by the mobile device from an on-board diagnostic portal of the vehicle, said mobile device being a separate device from the vehicle;

wherein the mobile device is configured to receive payment data from a user via input interfaces of the mobile device; and

a processor in communication with the wireless signal emitting device and being configured for executing computer-executable instructions to provide transaction data to the mobile device to initiate the vehicle-based intended transaction triggered by the vehicle specific data, said vehicle-based intended transaction comprising at least one of the following;

parking, drive-thru, gas station, charging station, and order pickup;

wherein, in response to the provided transaction data of the vehicle-based intended transaction, the processor is configured for exchanging an authentication token with the mobile device to authenticate the vehicle-based intended transaction;

wherein the wireless signal emitting device is configured for receiving payment data in the data packet with the authentication token and the vehicle specific data from the mobile device in response to the provided transaction data;

wherein the processor is configured for executing the computer-executable instructions to determine additional data of a value-added transaction offer to be transmitted to the mobile device, said value-added transaction offer being a non-vehicle-based transaction offer;

wherein the processor is configured to transmit to the mobile device the additional data of the value-added transaction offer;

wherein the wireless signal emitting device is configured for receiving an acceptance of the value-added transaction offer in the data packet from the mobile device in response to the provided value-added transaction offer; and

wherein the processor is configured for executing the computer-executable instructions to process the data packet to complete the intended transaction and the value-added transaction offer as a single transaction.

11. The system of claim 10, wherein the signal emitting device is configured for receiving broadcasting the merchant information via at least one of the following:

an iBeacon, a Wi-Fi signal, a cellular signal, and an RF signal.

12. The system of claim 10, wherein e mobile device is configured for receiving a vehicle identification number (VIN) of the vehicle.

13. The system of claim 10, wherein the mobile device is configured for receiving a unique electronic signature.

14. The system of claim 10, wherein the mobile device is configured for receiving a unique identifier of the mobile device.

15. The system of claim 10, wherein the mobile device is configured for receiving credit card data.

16. The system of claim 10, wherein the processor is configured for providing the transaction data to a display disposed on the vehicle.

17. A non-transitory computer-readable medium stored thereon computer-executable instructions for enabling a value-added transaction involving a vehicle and a merchant via a mobile device, the computer-executable instructions comprising:

broadcasting, by and from a merchant terminal, merchant information via a wireless signal, said merchant terminal comprising a point-of-sale device for processing a vehicle-based intended transaction and the value-added transaction;

wherein the mobile device is configured to receive and process the wireless signal via a software program installed thereon;

receiving, at the merchant terminal, a data packet via the wireless signal generated by the mobile device in response to the broadcasted merchant information, wherein the data packet includes the merchant information and vehicle specific data, received by the mobile device from an on-board diagnostic portal of the vehicle, said mobile device being a separate device from the vehicle;

wherein the mobile device is configured to receive payment data from a user via input interfaces of the mobile device;

triggered by the received vehicle specific data in the data packet, providing transaction data to the mobile device to initiate the vehicle-based intended transaction, said vehicle-based intended transaction comprising at least one of the following;

parking, drive-thru, gas station, charging station, and order pickup;

in response to the provided transaction data of the vehicle-based intended transaction, exchanging between a payment network server and the mobile device an authentication token to authenticate the vehicle-based intended transaction;

receiving payment data at the merchant terminal from the mobile device, in the data packet with the authentication token and the vehicle specific data in response to the provided transaction data;

before completing the intended transaction, by the payment network server, determining additional data of a value-added transaction offer to be transmitted to the mobile device, said value-added transaction offer being a non-vehicle-based transaction offer;

transmitting to the mobile device the additional data of the value-added transaction offer;

in response to the transmitted additional data with the value-added transaction data, receiving an acceptance of a value-added transaction offer specified in the offer data field of the data packet from the mobile device; and

completing, by the merchant terminal, the intended transaction and the value-added transaction offer as a single transaction when processing the data packet.

18. The non-transitory computer-readable medium of claim 17, wherein the value-added transaction offer comprises an employee identifier data field.

19. The non-transitory computer-readable medium of claim 17, further comprising receiving loyalty account information from the mobile device.

20. The non-transitory computer-readable medium of claim 17, wherein receiving payment data comprises receiving the payment data indicative of one of the following in a consumer intent data field:

intent to pay with points or rewards or intent to redeem card-linked offers in the intended transaction.