Systems and Methods for Utilizing Vehicle Connectivity in Association With Payment Transactions
First Claim
1. A computer-implemented method for utilizing vehicle connectivity to facilitate payment account transactions, the method comprising:
- in response to a detected interest of a consumer, requesting, by a computing device, sales data associated with the consumer interest from at least one merchant based on a location of a vehicle associated with the consumer;
creating an order object for a product selected from the sales data;
appending, by the computing device, a vehicle signature, for the vehicle, to the order object;
matching, by the computing device, the order object to a transaction object for the selected product based on the vehicle signature; and
transmitting, by the computing device, a purchase order to the at least one merchant based on the order object and the transaction object, thereby permitting the at least one merchant to facilitate a payment account transaction for the selected product.
1 Assignment
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Accused Products
Abstract
Disclosed are exemplary embodiments of systems and methods for utilizing vehicle connectivity to facilitate payment account transactions. One exemplary method includes, in response to a detected interest of a consumer, requesting sales data associated with the consumer interest from at least one merchant based on a location of a vehicle associated with the consumer, and creating an order object for a product selected from the sales data. The method also includes appending a vehicle signature, for the vehicle, to the order object, and matching the order object to a transaction object for the selected product based on the vehicle signature. The method further includes transmitting a purchase order to the at least one merchant based on the order object and the transaction object, thereby permitting the at least one merchant to facilitate a payment account transaction for the selected product.
9 Citations
20 Claims
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1. A computer-implemented method for utilizing vehicle connectivity to facilitate payment account transactions, the method comprising:
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in response to a detected interest of a consumer, requesting, by a computing device, sales data associated with the consumer interest from at least one merchant based on a location of a vehicle associated with the consumer; creating an order object for a product selected from the sales data; appending, by the computing device, a vehicle signature, for the vehicle, to the order object; matching, by the computing device, the order object to a transaction object for the selected product based on the vehicle signature; and transmitting, by the computing device, a purchase order to the at least one merchant based on the order object and the transaction object, thereby permitting the at least one merchant to facilitate a payment account transaction for the selected product. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A system for facilitating payment account transactions, through vehicle connectivity, the system comprising:
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at least one server for communicating with at least one vehicle; wherein the at least one server includes at least one decision engine, which configures the at least one server to; identify at least one merchant based on a location of the at least one vehicle; request sales data from the at least one merchant for a product of interest to a consumer; receive and pass the sales data from the at least one merchant to the at least one vehicle; create an order object for the product, in response to a user input from the at least one vehicle; and request a vehicle signature associated with the at least one vehicle and append the vehicle signature to the order object; wherein the at least one server includes a payment engine, which configures the at least one server to; create a transaction object for a transaction for the product to a payment account associated with the consumer; and request a vehicle signature associated with the at least one vehicle and append the vehicle signature to the transaction object; wherein the at least one decision engine further configures the at least one server to transmit a purchase order to the at least one merchant when the vehicle signature in the order object matches the vehicle signature in the transaction object, thereby permitting the at least one merchant to facilitate a payment account transaction for the selected product. - View Dependent Claims (12, 13, 14, 15, 16)
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17. A non-transitory computer readable storage media including executable instructions for utilizing vehicle connectivity to facilitate payment account transactions, which, when executed by at least one processor, cause the at least one processor to:
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in response to a selection of a product, by a consumer, at a vehicle, create an order object for the selected product; request a vehicle signature for the vehicle; authenticate the vehicle signature and append the authenticated vehicle signature to the order object; match the order object to a transaction object for the product based on the vehicle signature, the transaction object associated with a payment account of the consumer; and transmit a purchase order for the product to at least one merchant, based on the order object and the transaction object, thereby permitting the at least one merchant to facilitate a payment account transaction for the selected product to the payment account of the consumer. - View Dependent Claims (18, 19, 20)
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Specification