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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
First Claim
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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.

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