CAR WALLET APPLICATION
First Claim
1. A automobile appliance integrated in an automobile for completing a transaction with a retail device, the automobile appliance comprising:
- a computer processor;
an NFC communications device integrated into an automobile, the NFC communications device operable to receive transaction information from the retail device, and send payment information to the retail device, the communications device operable to receive an authorization for the transaction; and
a mobile application in communication with the NFC communications device, the mobile application operable with the computer processor to generate a request for the transaction and provide the request to the NFC communications device, the mobile application operable to receive the transaction information and provide the transaction information to the consumer on a user interface in the automobile, the mobile application operable to append payment information to the transaction information, wherein the payment information includes a vehicle identifier that identifies the automobile, the mobile application operable to provide the payment information including the vehicle identifier and transaction information to the retail device, the mobile application operable to receive the authorization for the transaction which indicates that the payment information including the vehicle identifier have been approved by a merchant processor and display the authorization in the user interface of the automobile.
7 Assignments
0 Petitions
Accused Products
Abstract
Embodiments of the disclosure generally relate to systems and methods for processing electronic payments for retail services and goods delivered by a retail establishment. In embodiments, a mobile wallet application is installed in the automobile. The automobile wallet application can receive and/or send transaction and payment information over a near field communication system to a retailer and on to an authorizing authority. The authorizing authority receives the payment and transaction information, authorizes or declines the payment of the transaction, and forwards the authorization or declination to the automobile wallet application. If authorized, the retailer provides the retail good or service.
36 Citations
14 Claims
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1. A automobile appliance integrated in an automobile for completing a transaction with a retail device, the automobile appliance comprising:
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a computer processor; an NFC communications device integrated into an automobile, the NFC communications device operable to receive transaction information from the retail device, and send payment information to the retail device, the communications device operable to receive an authorization for the transaction; and a mobile application in communication with the NFC communications device, the mobile application operable with the computer processor to generate a request for the transaction and provide the request to the NFC communications device, the mobile application operable to receive the transaction information and provide the transaction information to the consumer on a user interface in the automobile, the mobile application operable to append payment information to the transaction information, wherein the payment information includes a vehicle identifier that identifies the automobile, the mobile application operable to provide the payment information including the vehicle identifier and transaction information to the retail device, the mobile application operable to receive the authorization for the transaction which indicates that the payment information including the vehicle identifier have been approved by a merchant processor and display the authorization in the user interface of the automobile. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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10. An automobile appliance transaction system comprising:
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an NFC communications device integrated into an automobile, the NFC communications device operable to receive transaction information from the retail device, and send payment information to the retail device, the communications device operable to receive an authorization for the transaction; and a mobile application in communication with the NFC communications device, the mobile application operable with a computer processor to generate a request for the transaction and provide the request to the NFC communications device, the mobile application operable to receive the transaction information and provide the transaction information to the consumer on a user interface in the automobile, the mobile application operable to append payment information to the transaction information, the mobile application operable to provide the payment information and transaction information to the retail device, the mobile application operable to receive the authorization for the transaction and display the authorization in the user interface of the automobile; a merchant processing system comprising; a communications device, the communications device operable to receive the transaction information and the payment information, the communications device operable to send the authorization for the transaction; a compare module in communication with the communications device, the compare module operable to compare a VIN received in the payment information with a VIN stored at the merchant processor; and an authorization module in communication with the communications device and the compare module, the authorization module operable to obtain the authorization of the transaction and sending the authorization to the communications device for the retail device. - View Dependent Claims (9)
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11. A computer readable medium storing a computer program containing instructions executable by a processor to perform the steps of:
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receiving a request for a retail service from an automobile appliance integrated in an automobile; wirelessly transmitting transaction information from the retail device to an automobile appliance; receiving from the automobile appliance payment information appended to the transaction information, the payment information including a vehicle identifier that identifies the automobile; receiving an authorization for the retail service from a merchant processor, wherein the authorization includes an indication that the payment information including the vehicle identifier are authorized; and providing the retail service in response to the authorization. - View Dependent Claims (12, 13)
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14. A method for conducting a transaction between an automobile appliance and a retail device, the method comprising:
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wirelessly receiving a request for retail service from the automobile appliance at the retail device, the automobile appliance integrated with an automobile; creating payment information for the transaction; wirelessly transmitting the payment information and transaction information to the merchant processor without passing through a merchant retail device; wirelessly receiving appended payment information and transaction information at the retail device; receiving at the retail device an authorization indicating that the merchant processor has authorized the transaction; and transmitting authorization for the transaction from the retail device to the automobile appliance.
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Specification