Method and device for communication between an automobile vehicle and payment means

• US 20130098995A1
• Filed: 10/18/2012
• Published: 04/25/2013
• Est. Priority Date: 10/21/2011
• Status: Active Grant

• Current Assignee: Continental Automotive France (Continental AG), Continental Automotive GmbH (Continental AG)
• Original Assignee: Continental Automotive France (Continental AG), Continental Automotive GmbH (Continental AG)
• Inventors: JUREK, Gilles
• Granted Patent: US 8,733,639 B2
• Time in Patent Office: Days
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G07B 15/063 using wireless information transmission between the vehicle and a fixed station identification of vehicles G08G
• CPC Class Codes: G07F 13/025 wherein the volume is determined during delivery

Abstract

Method and device for communication between an automobile vehicle and payment unit carried by a user in order to pay for an action carried out on the vehicle equipped with wireless communication elements (11) and the payment unit including at least one portable device equipped with wireless communication elements (22) for communicating with the vehicle via a wireless communication (A) and with a central server via a wireless communication (C) and an electronic payment card, the method including:

equipping the payment card with wireless communication elements for communicating with the portable device via a wireless communication (B),

equipping the payment card with storage elements,

performing various steps for mutual recognition between the various elements of the device, and

authorizing use of the payment card via authentication data for single use sent by the central server to the portable device then stored in the payment card.

Claims

1. A method for communication between an automobile vehicle (10) and payment means (23) carried by a user in order to pay for an action carried out on said automobile vehicle (10), said vehicle (10) being equipped with a means of wireless communication (11) and the payment means (23) comprising at least one portable device (20) equipped with a means of wireless communication (22) for communicating with the vehicle (10) via a wireless communication (A), and for communicating with a central server (40) via a wireless communication (C) and an electronic payment card (30), said method being characterized in that:

the electronic payment card (30) is equipped with means of wireless communication (31) for communicating with the portable device (20) via a wireless communication (B),

the electronic payment card (30) is equipped with storage means (32),

and in that it comprises the following steps;

step 110;

by activation of the portable device (20), transmission from the vehicle (10) to the portable device (20) of an identifier (ID_V) specific to the vehicle (10) and transmission from the electronic payment card (30) to the portable device (20) of an identifier (ID_C) specific to the electronic payment card (30),

step 120;

prior to the performance of the action on the vehicle (10), comparison by the portable device (20) of the identifiers received (ID_C, ID_V) with identifiers pre-stored during an initialization step (step 100),

step 140;

if the identifiers (ID_C, ID_V) match, transmission of these identifiers from the portable device (20) to the central server (40),

step 150;

test for coherence of the received data (ID_C, ID_V) by the central server (40),

step 160;

if the coherence test is positive, transmission from the central server (40) to the portable device (20) of authentication data (D_ID) for the electronic payment card (30) for single use,

step 170;

transmission by the portable device (20) of the authentication data (D_ID) for single use to the electronic payment card (30) and storage in the electronic payment card (30), by the storage means (32), of the authentication data (D_ID) for single use,

step 180;

performance of the action by the user,

step 190;

payment by the user with the electronic payment card (30) using the authentication data (D_ID) for single use.

2. The method as claimed in claim 1, characterized in that, after the step 120, the method furthermore comprises the following step:

step 130;

if the identifiers (ID_C, ID_V) match, transmission from the vehicle (10) to the portable device (20) of data (D_VI) for the vehicle (10) specific to the action to be performed, and in that the step 140 consists in;

step 140;

transmission by the portable device (20) of the identifiers and of the data (ID_C, ID_V, D_ID) to the central server (40).

3. The method as claimed in claim 1, characterized in that, during the step 160, the transmission furthermore comprises data limiting the use of the data (D_ID) for authentication of the electronic payment card (30).

4. The method as claimed in claim 3, characterized in that this limiting data comprises a maximum duration of use of the authentication data (D_ID) for single use and/or a maximum payment amount for the electronic payment card (30) when using the authentication data (D_ID) for single use.

5. The method as claimed in claim 2, characterized in that the method furthermore comprises the following steps:

step 200;

by activation of the portable device (20), transmission from the vehicle (10) to the portable device (200) of data (D_VF) for the vehicle (10) specific to the action performed,

step 210;

transmission of this data (D_VF) from the portable device (20) to the central server (40) and comparison by the central server (40) between the data (D_VI, D_VF) for the vehicle specific to the action before and after its performance and correlation with the amount paid by the user with the electronic payment card (30),

step 220;

transmission from the central server (40) to the portable device (20) of the result of the correlation.

6. The method as claimed in claim 5, characterized in that the portable device (20) is equipped with means for geopositioning and, during the steps 130 and 200, the geopositioning coordinates of the portable device (20) are sent to the central server (40).

7. The method as claimed in claim 6, characterized in that, during the step 210, the comparison is carried out by using the geopositioning coordinates of the portable device (20).

8. Method as claimed in claim 1, characterized in that the action to be performed consists in refilling the tank of the automobile vehicle (10) with fuel.

9. The method as claimed in claim 2, characterized in that, during the step 160, the transmission furthermore comprises data limiting the use of the data (D_ID) for authentication of the electronic payment card (30).

10. The method as claimed in claim 9, characterized in that this limiting data comprises a maximum duration of use of the authentication data (D_ID) for single use and/or a maximum payment amount for the electronic payment card (30) when using the authentication data (D_ID) for single use.

11. The method as claimed in claim 3, characterized in that the method furthermore comprises the following steps:

step 200;

by activation of the portable device (20), transmission from the vehicle (10) to the portable device (200) of data (D_VF) for the vehicle (10) specific to the action performed,

step 210;

transmission of this data (D_VF) from the portable device (20) to the central server (40) and comparison by the central server (40) between the data (D_VI, D_VF) for the vehicle specific to the action before and after its performance and correlation with the amount paid by the user with the electronic payment card (30),

step 220;

transmission from the central server (40) to the portable device (20) of the result of the correlation.

12. The method as claimed in claim 4, characterized in that the method furthermore comprises the following steps:

step 200;

by activation of the portable device (20), transmission from the vehicle (10) to the portable device (200) of data (D_VF) for the vehicle (10) specific to the action performed,

step 210;

transmission of this data (D_VF) from the portable device (20) to the central server (40) and comparison by the central server (40) between the data (D_VI, D_VF) for the vehicle specific to the action before and after its performance and correlation with the amount paid by the user with the electronic payment card (30),

step 220;

transmission from the central server (40) to the portable device (20) of the result of the correlation.

13. The method as claimed in claim 2, characterized in that the portable device (20) is equipped with means for geopositioning and, during the steps 130 and 200, the geopositioning coordinates of the portable device (20) are sent to the central server (40).

14. The method as claimed in claim 3, characterized in that the portable device (20) is equipped with means for geopositioning and, during the steps 130 and 200, the geopositioning coordinates of the portable device (20) are sent to the central server (40).

15. The method as claimed in claim 4, characterized in that the portable device (20) is equipped with means for geopositioning and, during the steps 130 and 200, the geopositioning coordinates of the portable device (20) are sent to the central server (40).