Automated Pairing of Payment Products and Mobile to Mobile Devices

• US 20150026047A1
• Filed: 09/23/2014
• Published: 01/22/2015
• Est. Priority Date: 10/16/2012
• Status: Active Grant

• Current Assignee: Fleetcor Technologies Incorporated (NHI-2, LLC)
• Original Assignee: Fleetcor Technologies Incorporated (NHI-2, LLC)
• Inventors: Johnson, Max L. Jr.
• Granted Patent: US 9,940,615 B2
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G01C 21/28 with correlation of data from several navigational instruments
• CPC Class Codes: G06Q 20/223 based on the use of peer-to-peer networks
• CPC Class Codes: G06Q 20/308 using the Internet of Things
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute
• CPC Class Codes: G06Q 50/40 Business processes related to the transportation industry shipping G06Q10/083
• CPC Class Codes: G07C 5/008 communicating information to a remotely located station transmission systems for measured values G08C
• CPC Class Codes: H04W 4/023 using mutual or relative location information between multiple location based services [LBS] targets or of distance thresholds

Abstract

A computer receives card transaction data in response to a transaction using a financial services card. The card transaction data identifies at least a location, date, and time associated with the transaction. Upon receiving the card transaction data, the computer compares the card transaction data with telematics information associated with a vehicle equipped with a telematics device. The telematics information identifies at least a location of the vehicle, and a time and date associated with the location of the vehicle. On the basis of the comparison, the computer determines if the location of the transaction substantially matches the location of the vehicle at the time and date of transaction. Responsive to determining a substantial match, the computer associates the financial services card with the vehicle.

Claims

1. ) A method comprising:

receiving, at a computer, card transaction data associated with a transaction using a financial services card, the card transaction data identifying a location, a time, and a date associated with the transaction;

receiving, at the computer, telematics information associated with a vehicle, the telematics information identifying a location associated with the vehicle, and a time and a date for the vehicle location;

comparing, by the computer, the card transaction data and telematics information to determine that the location, the time, and the date associated with the transaction substantially matches the location associated with the vehicle, the time and the date for the vehicle location respectively; and

responsive to determining that the location, the time, and the date associated with the transaction substantially matches the location associated with the vehicle, the time and the date for the vehicle location, respectively, associating the financial services card with the vehicle.

2. ) The method of claim 1, further comprising:

receiving, by the computer, device information associated with a mobile computing device of a driver of the vehicle, the device information identifying a location of the mobile computing device and a time and date for the mobile computing device location;

comparing, by the computer, to determine that the location associated with the vehicle, the time and the date for the vehicle location substantially matches the location associated with the vehicle, the time and the date for the mobile computing device location, respectively; and

responsive to determining that the location associated with the vehicle, the time and the date for the vehicle location substantially matches the location associated with the vehicle, the time and the date for the mobile computing device location, respectively, associating the vehicle with the mobile computing device and the driver of the vehicle.

3. ) The method of claim 1, wherein the telematics information is received from a telematics device associated with the vehicle.

4. ) The method of claim 3, wherein the telematics device is triggered to transmit the telematics information at each start and stop event of the vehicle'"'"'s engine.

5. ) The method of claim 3, wherein the telematics device is triggered to transmit the telematics information upon crossing a geo-fence.

6. ) The method of claim 3, wherein the telematics device is triggered to transmit the telematics information in periodic intervals.

7. ) The method of claim 1, further comprising:

reinforcing the association of the financial service card to the vehicle by repeating the comparison using card transaction data associated with a subsequent transaction.

8. ) A method comprising:

receiving, at a computer, card transaction data associated with a transaction using a financial services card, the card transaction data identifying a location, a time, and a date associated with the transaction;

comparing, by the computer, the location, the time, and the date associated with the transaction and telematics information associated with a plurality of vehicles to determine if the location associated with the transaction substantially matches a location of at least one of the plurality of vehicles at the time and the date associated with the transaction; and

responsive to determining a substantial match, associating the financial services card with the at least one vehicle whose location substantially matches the location associated with the transaction at the time and the date associated with the transaction.

9. ) The method of claim 8, further comprising:

receiving, at the computer, the telematics information associated with a vehicle, the telematics information identifying a location associated with the vehicle, and a time and a date for the vehicle location.

10. ) The method of claim 8, wherein the telematics information is received from a telematics device associated with the vehicle.

11. ) The method of claim 8, wherein the telematics device is triggered to transmit the telematics information at each start and stop event of the vehicle'"'"'s engine.

12. ) The method of claim 8, wherein the telematics device is triggered to transmit the telematics information upon crossing a geo-fence.

13. ) The method of claim 8, wherein the telematics device is triggered to transmit the telematics information in periodic intervals.

14. ) The method of claim 8, further comprising:

reinforcing the association of the financial service card to the vehicle by repeating the comparison using card transaction data associated with a subsequent transaction.

15. ) An apparatus comprising:

a memory comprising a set of instruction for automated pairing; and

a processor coupled to the memory and adapted to execute the set of instructions which when executed is configured to;

receive card transaction data associated with a transaction using a financial services card, the card transaction data identifying a location, a time, and a date associated with the transaction;

compare the location, the time, and the date associated with the transaction and telematics information associated with a plurality of vehicles to determine if the location associated with the transaction substantially matches a location of at least one of the plurality of vehicles at the time and the date associated with the transaction; and

responsive to determining a substantial match, associate the financial services card with the at least one vehicle whose location substantially matches the location associated with the transaction at the time and the date associated with the transaction.

16. ) The apparatus of claim 15, wherein the processor is further configured to:

receive device information associated with a mobile computing device of a driver of the vehicle, the device information identifying a location of the mobile computing device and a time and date for the mobile computing device location;

compare to determine that the location associated with the vehicle, and the time and the date associated with the vehicle location substantially matches the location associated with the vehicle, and the time and the date associated with the mobile computing device location, respectively; and

responsive to determining that the location associated with the vehicle, the time and the date for the vehicle location substantially matches the location associated with the vehicle, the time and the date for the mobile computing device location, respectively, associate the vehicle with the mobile computing device.

17. ) The apparatus of claim 16, wherein the processor is further configured to:

identify a user associated with the mobile computing device based on a unique identifier of the mobile computing device; and

associate the vehicle with the user of the matched mobile computing device.

18. ) The apparatus of claim 15, wherein the telematics information is received from a telematics device associated with the vehicle.

19. ) The apparatus of claim 15, wherein the process if further configured to:

reinforce the association of the financial service card to the vehicle by repeating the comparison using card transaction data associated with a subsequent transaction.

20. ) The apparatus of claim 15, wherein the telematics device is triggered to transmit the telematics information in response to a trigger event, and wherein the trigger event comprises one of a start and stop event of the vehicle'"'"'s engine, entering and leaving a geo-fence, and pre-determined time intervals.