VALUE-ADDED SERVICES DATA AND PROTOCOL AND TRANSACTIONS INVOLVING VEHICLE SPECIFIC DATA

• US 20160125458A1
• Filed: 11/05/2015
• Published: 05/05/2016
• Est. Priority Date: 11/05/2014
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Ovick, Joseph Bjorn, ENRIQUEZ, MARTIN, Srivastava, Chandra
• Granted Patent: US 10,535,077 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• CPC Class Codes: G06Q 30/0253 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0265 Vehicular advertisement
• CPC Class Codes: G06Q 30/0267 Wireless devices

Abstract

A method for enabling a value-added transaction involving a vehicle and a merchant via a mobile device is disclosed. Merchant information may be broadcasted from a merchant terminal. Vehicle specific data may be received at the merchant terminal identifying the vehicle in response to the broadcasted merchant information. Transaction data may be provided to the mobile device to initiate an intended transaction. Payment data may be received from the mobile device at the merchant terminal in response to the provided transaction data. Before completing the intended transaction, a value-added transaction offer may be provided to the mobile device. In response to the provided value-added transaction offer, an acceptance of the value-added transaction offer may be received. The intended transaction and the value-added transaction offer may be completed as a single transaction.

Claims

1. A method for enabling a value-added transaction involving a vehicle and a merchant via a mobile device, the method comprising:

broadcasting merchant information from a merchant terminal;

receiving vehicle specific data at the merchant terminal identifying the vehicle in response to the broadcasted merchant information;

in response to the received vehicle specific data, providing, by a merchant terminal, transaction data to the mobile device to initiate an intended transaction;

receiving payment data at the merchant terminal from the mobile device in response to the provided transaction data;

before completing the intended transaction, providing, by the merchant terminal, a value-added transaction offer to the mobile device;

in response to the provided value-added transaction offer, receiving an acceptance of the value-added transaction offer; and

completing, by the merchant terminal, the intended transaction and the value-added transaction offer as a single transaction.

2. The method of claim 1, wherein broadcasting comprises broadcasting via at least one of the following:

an iBeacon, a Wi-Fi signal, a cellular signal, and an RF signal.

3. The method of claim 1, wherein the vehicle specific data comprises a vehicle identification number (VIN) of the vehicle.

4. The method of claim 1, wherein receiving the vehicle specific data comprises receiving a unique electronic signature.

5. The method of claim 1, wherein receiving the payment data comprises receiving a unique identifier of the mobile device.

6. The method of claim 1, wherein the mobile device receives the vehicle specific data from one of the following:

a port in communication with an electronic system of the vehicle and a maintenance port of the vehicle.

7. The method of claim 6, wherein the maintenance port is an OMD II port.

8. The method of claim 1, wherein receiving payment data comprises receiving credit card data.

9. The method of claim 1, wherein providing the transaction data to the mobile device comprises providing the transaction data to a display disposed on the vehicle.

10. A system for enabling value-added transaction involving a vehicle and a merchant via a mobile device, the system comprising:

a signal emitting device for broadcasting merchant information;

a receiver for receiving vehicle specific data identifying the vehicle in response to the broadcasted merchant information; and

a processor in communication with the receiver and configured for executing computer-executable instructions to provide transaction data to the mobile device to initiate an intended transaction in response to the received vehicle specific data;

wherein the receiver is configured for receiving payment data from the mobile device in response to the provided transaction data;

wherein the processor is configured for executing the computer-executable instructions to provide a value-added transaction offer to the mobile device before completing the intended transaction;

wherein the receiver is configured for receiving an acceptance of the value-added transaction offer in response to the provided value-added transaction offer; and

wherein the processor is configured for executing the computer-executable instructions to complete the intended transaction and the value-added transaction offer as a single transaction.

11. The system of claim 10, wherein the signal emitting device is configured for receiving broadcasting the merchant information via at least one of the following:

an iBeacon, a Wi-Fi signal, a cellular signal, and an RF signal.

12. The system of claim 10, wherein receiving the vehicle specific data comprises receiving a vehicle identification number (VIN) of the vehicle.

13. The system of claim 10, wherein receiving the vehicle specific data comprises receiving a unique electronic signature.

14. The system of claim 10, wherein receiving the payment data comprises receiving a unique identifier of the mobile device.

15. The system of claim 10, wherein receiving payment data comprises receiving credit card data.

16. The system of claim 10, wherein providing the transaction data to the mobile device comprises providing the transaction data to a display disposed on the vehicle.

17. A computer-implemented method for enabling a value-added transaction involving a vehicle and a merchant via a mobile device, the method comprising:

broadcasting, by a merchant terminal, merchant information;

receiving vehicle specific data at the merchant terminal identifying the vehicle in response to the broadcasted merchant information;

in response to the received vehicle specific data, providing transaction data including one or more data fields to the mobile device to initiate an intended transaction;

receiving payment data at the merchant terminal from the mobile device in response to the provided transaction data, said payment data comprising a payment account identifier data field;

before completing the intended transaction, providing, by the merchant terminal, value-added transaction data comprising an offer data field to the mobile device;

in response to the provided value-added transaction data, receiving an acceptance of a value-added transaction offer specified in the offer data field; and

completing, by the merchant terminal, the intended transaction and the value-added transaction offer as a single transaction.

18. The method of claim 17, wherein the value-added transaction offer comprises an employee identifier data field.

19. The method of claim 17, further comprising receiving loyalty account information from the mobile device.

20. The method of claim 17, wherein receiving payment data comprises receiving the payment data indicative of one of the following in a consumer intent data field:

intent to pay with points or rewards or intent to redeem card-linked offers in the intended transaction.