Methods and systems for processing electronic transactions and managing vehicle costs

• US 9,111,277 B2
• Filed: 12/20/2012
• Issued: 08/18/2015
• Est. Priority Date: 12/20/2012
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Bryant, Dexter Edward II
• Primary Examiner(s): Hayles, Ashford S
• Application Number:
  US13/721,951
• Publication Number:
  US 20140180854A1
• Time in Patent Office: 971 Days
• Field of Search: 705/21
• US Class Current: 1/1
• CPC Class Codes: G06Q 10/20 Administration of product repair or maintenance
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• 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: G06Q 20/401 Transaction verification

Abstract

A computer-implemented method for performing an electronic transaction using a payment computer coupled to a database is provided. The transaction includes an item purchased in association with a vehicle and initiated by a cardholder with a merchant. The method includes receiving, at the payment computer, an authorization request message from the merchant, the authorization request message including first transaction data, wherein the first transaction data includes a vehicle identifier for identifying the vehicle; transmitting an authorization response message from the payment computer to the merchant; storing, within the database, the first transaction data including the vehicle identifier; storing, within the database, other transaction data associated with other purchased items for the vehicle, wherein the first transaction data and the other transaction data define a total transaction data associated with the vehicle; and tracking, by the vehicle identifier, the total transaction data for access by the cardholder.

Claims

1. A computer-implemented method for performing an electronic transaction using a payment computer coupled to a database, the transaction including an item purchased in association with a vehicle and initiated by a cardholder with a merchant, said method comprising:

receiving, at the payment computer, an authorization request message from a merchant computing device of the merchant, the authorization request message including first transaction data, wherein the first transaction data includes a vehicle identifier for identifying the vehicle, an account data associated with the cardholder, and a purchase data associated with a first purchased item, wherein the first purchased item is a vehicle related expense for at least one of operating and maintaining the vehicle;

transmitting an authorization response message from the payment computer to the merchant computing device, the authorization response message including an approval of the electronic transaction by an issuer bank;

storing, within the database, the first transaction data including the vehicle identifier;

storing, within the database, other transaction data associated with other purchased items for the vehicle, wherein the first transaction data and the other transaction data define a total transaction data associated with the vehicle;

receiving, from a vehicle computer in the vehicle, a request for a report of vehicle related expenses for the requesting vehicle;

preparing, by the payment computer, the requested report of vehicle related expenses for the requesting vehicle using at least the vehicle identifier, the first transaction data, and the other transaction data; and

transmitting, to the vehicle computer in the requesting vehicle, the requested report of vehicle related expenses, wherein the vehicle computer is coupled to the payment computer through a communication network.

2. The computer-implemented method in accordance with claim 1, wherein the payment computer comprises an interchange computer associated with an interchange network.

3. The computer-implemented method in accordance with claim 1, wherein the payment computer comprises a third party payment module computer.

4. The computer-implemented method in accordance with claim 1, wherein the vehicle computer is configured to transact with the payment computer.

5. The computer-implemented method in accordance with claim 4, further comprising transmitting, from the payment computer, the total transaction data to the vehicle computer.

6. The computer-implemented method in accordance with claim 4, further comprising receiving, at the vehicle computer, the total transaction data from the payment computer.

7. The computer-implemented method in accordance with claim 4, further comprising transmitting, from the vehicle computer, the vehicle identifier to the payment computer.

8. The computer-implemented method in accordance with claim 4, further comprising transmitting, from the vehicle computer, the purchase data to the payment computer.

9. The computer-implemented method in accordance with claim 4, further comprising transmitting, from the vehicle computer, a selected type of fuel to the payment computer.

10. The computer-implemented method in accordance with claim 4, further comprising receiving, at the payment computer, a type of fuel selected by the vehicle computer.

11. The computer-implemented method in accordance with claim 4, further comprising transmitting, from the vehicle computer, a selected volume amount of fuel to the payment computer.

12. The computer-implemented method in accordance with claim 4, further comprising receiving, at the payment computer, a volume amount of fuel selected by the vehicle computer.

13. The computer-implemented method in accordance with claim 1, further comprising transmitting, from a point of sale device, the first transaction data.

14. The computer-implemented method in accordance with claim 1, further comprising aggregating, by the payment computer, a monetary value of the total transaction data over a period of time.

15. The computer-implemented method in accordance with claim 1, further comprising analyzing, by the payment computer, consumption of the total transaction data over a period of time.

16. The computer-implemented method in accordance with claim 1, further comprising analyzing, by the payment computer, consumption of the total transaction data over an amount of distance traveled by the vehicle.

17. The computer-implemented method in accordance with claim 1, wherein the purchase data comprises at least one of a financial transaction, a product transaction and a service transaction associated with the vehicle.

18. The computer-implemented method in accordance with claim 17, wherein the financial transaction comprises at least one of a vehicle loan payment and a vehicle insurance payment.

19. The computer-implemented method in accordance with claim 17, wherein the service transaction comprises a satellite service payment.

24. The computer-implemented method in accordance with claim 1, further comprising aggregating, by the payment computer, a monetary value of the total transaction data over a period of time.

25. The computer-implemented method in accordance with claim 1, further comprising analyzing, by the payment computer, consumption of the total transaction data over a period of time.

26. The computer-implemented method in accordance with claim 1, further comprising analyzing, by the payment computer, consumption of the total transaction data over an amount of distance traveled by the vehicle.

27. The computer-implemented method in accordance with claim 1, wherein the purchase data comprises at least one of a financial transaction, a product transaction and a service transaction associated with the vehicle.

28. The computer-implemented method in accordance with claim 17, wherein the financial transaction comprises at least one of a vehicle loan payment and a vehicle insurance payment.

20. One or more non-transitory computer-readable storage media having computer-executable instructions embodied thereon for processing an electronic transaction using a payment computer coupled to a database, the electronic transaction including an item purchased in association with a vehicle and initiated by a cardholder with a merchant, wherein the payment computer includes a memory device and a processor, wherein when executed by said processor, said computer-executable instructions cause said processor to:

receive an authorization request message from a merchant computing device of the merchant, the authorization request message including a first transaction data, wherein the first transaction data includes a vehicle identifier for identifying the vehicle, an account data associated with the cardholder, and a purchase data associated with a first purchased item, wherein the first purchased item is a vehicle related expense for operation or maintenance of the vehicle;

transmit an authorization response message to the merchant computing device including an approval of the electronic transaction by an issuer bank;

store, within the database, the first transaction data including the vehicle identifier;

store, within the database, other transaction data associated with other purchased items for the vehicle, wherein the first transaction data and the other transaction data define a total transaction data associated with the vehicle;

receive, from a vehicle computer in the vehicle, a request for a report of vehicle related expenses for the requesting vehicle;

prepare, by the payment computer, the requested report of vehicle related expenses for the requesting vehicle using at least the vehicle identifier and the total transaction data; and

transmit, to the vehicle computer in the requesting vehicle, the requested report of vehicle related expenses, the report for use in operating or maintaining the vehicle, wherein the vehicle computer is coupled to the payment computer through a communication network.

21. A system for performing an electronic transaction including an item purchased in association with a vehicle and initiated by a cardholder with a merchant, said system comprising:

a payment computer configured to;

receive an authorization request message from a merchant computing device of the merchant, the authorization request message including first transaction data, wherein the first transaction data includes a vehicle identifier for identifying the vehicle, an account data associated with the cardholder, and purchase data associated with a first purchased item, wherein the first purchased item is a vehicle related expense for at least one of operating and maintaining the vehicle;

transmit an authorization response message to the merchant computing device including an approval of the electronic transaction by an issuer bank;

store, within the database, the first transaction data including the vehicle identifier;

store, within the database, other transaction data associated with other purchased items for the vehicle, wherein the first transaction data and the other transaction data define a total transaction data associated with the vehicle;

receiving, from a vehicle computer in the vehicle, a request for a report of vehicle related expenses for the requesting vehicle;

prepare, by the payment computer, the requested report of vehicle related expenses for the requesting vehicle using at least the vehicle identifier and the total transaction data; and

transmit, to the vehicle computer in the requesting vehicle, the requested report of vehicle related expenses; and

a vehicle computer comprising an output device, wherein the vehicle computer is coupled to the payment computer through a communication network, the vehicle computer configured to;

receive the report from the payment computer; and

display the report on the output device within the vehicle.

22. The system in accordance with claim 21, wherein the purchase data comprises at least one of a financial transaction, a product transaction and a service transaction associated with the vehicle.

23. A computing system for performing an electronic transaction associated with vehicle related expenses of a vehicle, the computing system including a payment computer, the payment computer including a processor coupled to a database, said processor configured to:

receive, at the payment computer, an authorization request message from a merchant computing device of a merchant, the authorization request message including first transaction data, wherein the first transaction data includes a vehicle identifier for identifying the vehicle, an account data associated with the cardholder, and a purchase data associated with a first purchased item, wherein the first purchased item is a vehicle related expense for at least one of operating and maintaining the vehicle;

transmit an authorization response message from the payment computer to the merchant computing device, the authorization response message including an approval of the electronic transaction by an issuer bank;

store, within the database, the first transaction data including the vehicle identifier;

store, within the database, other transaction data associated with other purchased items for the vehicle, wherein the first transaction data and the other transaction data define a total transaction data associated with the vehicle;

receive, from a vehicle computer in the vehicle, a request for a report of vehicle related expenses for the requesting vehicle;

prepare, by the payment computer, the requested report of vehicle related expenses for the requesting vehicle using at least the vehicle identifier and the total transaction data; and

transmit, to the vehicle computer in the requesting vehicle, the requested report of vehicle related expenses, wherein the vehicle computer is coupled to the payment computer through a communication network.