Mechanism For Secure In-Vehicle Payment Transaction

• US 20150058224A1
• Filed: 08/22/2014
• Published: 02/26/2015
• Est. Priority Date: 08/23/2013
• Status: Abandoned Application

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Gaddam, Ajit, Prakash, Gyan, Aissi, Selim
• Application Number:
  US14/466,405
• Publication Number:
  US 20150058224A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G07B 15/063 using wireless information transmission between the vehicle and a fixed station identification of vehicles G08G

Abstract

Embodiments use a vehicle as a payment instrument to complete a payment transaction. A vehicle interface device (VID) coupled to the vehicle is used for transmitting payment account information to a merchant access device. The VID may be registered to the specific vehicle identification number (VIN) of the vehicle. Prior to transmitting the payment account information to the merchant access device, the VID may ensure that a mobile communication device is within the vehicle and/or that the VID is coupled to the correct vehicle. For example, the VID may compare the VIN of the vehicle to the VIN that is programmed to the VID. When the colocation of the VID with the mobile communication device and/or the correct vehicle is confirmed, the VID may forward payment account information to the merchant access device.

Claims

1. A method comprising:

receiving, at a vehicle interface device, a request for transaction account information from an external device;

determining, by the vehicle interface device, that the vehicle interface device is located in a predetermined vehicle;

determining, by the vehicle interface device, that a mobile communication device is located in the predetermined vehicle; and

transmitting the transaction account information to the external device upon determining that the vehicle interface device and the mobile communication device are located in the predetermined vehicle.

2. The method of claim 1 wherein the transaction account information is stored in the vehicle interface device.

3. The method of claim 1 further comprising:

acquiring the transaction account information from a payment device.

4. The method of claim 1 wherein the transaction account information is among a plurality of transaction accounts stored in the vehicle interface device.

5. The method of claim 1 further comprising:

selecting, by the vehicle interface device, the transaction account information based on a voice authorization command from a user.

6. The method of claim 1 wherein the transaction account information is associated with one or more of a credit card account, a bank account, a checking account, a savings account, a prepaid account, a reward points account and an airline miles account.

7. The method of claim 1 further comprising:

registering, with the vehicle interface device, a vehicle identification number (VIN) associated with the predetermined vehicle.

8. The method of claim 7 wherein the step of determining if the vehicle interface device is located within the predetermined vehicle further comprises:

confirming, by the vehicle interface device, that the registered VIN is associated with a vehicle within which the vehicle interface device is located.

9. The method of claim 1, wherein the vehicle interface device communicates with the external device via short range contact or contactless communication capability.

10. A vehicle interface device comprising:

a processor; and

a computer readable medium coupled to the processor, the computer readable medium comprising code that, when executed on the processor, causes the processor to;

receive a request for transaction account information from an external device;

determine that the vehicle interface device is located in a predetermined vehicle;

determine that a mobile communication device is located in the predetermined vehicle; and

transmit the transaction account information to the external device upon determining that the vehicle interface device and the mobile communication device are located in the predetermined vehicle.

11. The vehicle interface device of claim 10 wherein the transaction account information is stored in the vehicle interface device.

12. The vehicle interface device of claim 10 wherein the computer readable medium comprises code that, when executed on the processor, further causes the processor to:

acquire the transaction account information from a payment device.

13. The vehicle interface device of claim 10 wherein the transaction account information is among a plurality of transaction accounts stored in the vehicle interface device.

14. The vehicle interface device of claim 10 wherein the computer readable medium comprises code that, when executed on the processor, further causes the processor to:

select the transaction account information based on a voice authorization command from a user.

15. The vehicle interface device of claim 10 wherein the transaction account information is associated with one or more of a credit card account, a bank account, a checking account, a savings account, a prepaid account, a reward points account and an airline miles account.

16. The vehicle interface device of claim 10 wherein the computer readable medium comprises code that, when executed on the processor, further causes the processor to:

register, with the vehicle interface device, a vehicle identification number (VIN) associated with the predetermined vehicle.

17. The vehicle interface device of claim 16 wherein the computer readable medium comprises code that, when executed on the processor, further causes the processor to:

confirm that the registered VIN is associated with a vehicle within which the vehicle interface device is located.

18. The vehicle interface device of claim 10 wherein the vehicle interface device communicates with the external device via short range contact or contactless communication capability.

19. A method comprising:

receiving, at a vehicle interface device, a request for transaction account information from an external device;

registering, with the vehicle interface device, a vehicle identification number (VIN) associated with a predetermined vehicle;

determining, by the vehicle interface device, that the registered VIN is associated with a vehicle within which the vehicle interface device is located; and

transmitting a payment account information to the external device upon determining that the vehicle interface device is located in the predetermined vehicle.

20. The method of claim 19 further comprising:

determining, by the vehicle interface device and prior to transmitting the payment account information, that a mobile communication device is located in the predetermined vehicle.