VEHICULAR WIRELESS PAYMENT AUTHORIZATION METHOD
First Claim
1. A method for making payments from a vehicle, said method comprising:
- establishing a wireless communications channel between a vehicle and a seller;
requesting to make a purchase from the seller by a customer in the vehicle;
wirelessly communicating from the seller to the vehicle a payment amount required for the purchase;
notifying the customer of the payment amount by the vehicle;
providing an electronic source of funds within the vehicle;
approving the payment amount within the vehicle; and
wirelessly sending a payment authorization from the vehicle to the seller.
11 Assignments
0 Petitions
Accused Products
Abstract
A method and system for making payments from a vehicle using onboard wireless communication systems. A Near Field Communication (NFC) reader is placed a vehicle, such that a customer can pass an NFC-enabled phone or credit card near the reader to provide a source of funding for a purchase. A Dedicated Short Range Communications (DSRC) radio onboard the vehicle communicates with a seller of products or services, such as a fast food restaurant, a parking garage, or a toll booth. The seller communicates to the vehicle the amount of a pending payment, the customer approves the payment within the vehicle, and the vehicle sends the authorization to the seller. The entire transaction is handled wirelessly, without the customer having to leave the vehicle or roll down a window. Pre-approval accounts can also be established for certain types of payments, thus making those payment transactions automatic.
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Citations
20 Claims
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1. A method for making payments from a vehicle, said method comprising:
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establishing a wireless communications channel between a vehicle and a seller; requesting to make a purchase from the seller by a customer in the vehicle; wirelessly communicating from the seller to the vehicle a payment amount required for the purchase; notifying the customer of the payment amount by the vehicle; providing an electronic source of funds within the vehicle; approving the payment amount within the vehicle; and wirelessly sending a payment authorization from the vehicle to the seller. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A method for making payments from a vehicle, said method comprising:
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establishing a wireless communications channel between a vehicle and a seller using Dedicated Short Range Communications; requesting to make a purchase from the seller by a customer in the vehicle; wirelessly communicating from the seller to the vehicle a payment amount required for the purchase; notifying the customer of the payment amount by the vehicle; providing an electronic source of funds within the vehicle by the customer passing a credit card, a debit card, or a mobile phone with Near Field Communication capability near a Near Field Communication reader in the vehicle; approving the payment amount within the vehicle by the customer; and wirelessly sending a payment authorization from the vehicle to the seller. - View Dependent Claims (10, 11)
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12. A system for making payments from a vehicle, said system comprising:
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a vehicle radio in the vehicle for wirelessly communicating with a seller; a seller radio at a seller location for wirelessly communicating with the vehicle; a touch-screen system in the vehicle for allowing a customer to review and approve payments; a short-range wireless receiver in the vehicle for reading payment account information from a source of funds; and a controller in the vehicle for sending and receiving messages over the vehicle radio to and from the seller, receiving information from the short-range wireless receiver, displaying information to and receiving inputs from the touch-screen, and managing payment approvals. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20)
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Specification