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Car wallet application

  • US 9,213,973 B2
  • Filed: 08/29/2008
  • Issued: 12/15/2015
  • Est. Priority Date: 08/29/2008
  • Status: Active Grant
First Claim
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1. A method for conducting a transaction between an automobile appliance and a retail device, the method comprising:

  • wirelessly sending a request for retail service from the automobile appliance, to the retail device, the automobile appliance integrated with an automobile;

    at the automobile appliance, wirelessly receiving transaction information from the retail device, wherein the transaction information comprises a good or service requested, an amount of required payment, a merchant identifier, and a retail device identifier;

    at the automobile appliance, creating payment information for the transaction, wherein the payment information comprises an identifier of the mobile application, mobile user information, and a payment detail;

    appending the payment information to the transaction information at the automobile appliance, wherein the payment information includes a vehicle identifier that identifies the automobile;

    wirelessly sending the appended payment information and transaction information to the retail device; and

    wirelessly receiving authorization for the transaction from the retail device;

    wirelessly receiving the payment information and transaction information at the retail device;

    comparing at least a portion of the payment information to at least a portion of the transaction information;

    determining if the portion of the payment information matches to the portion of the transaction information;

    if the portion of the payment information does not match to the portion of the transaction information, wirelessly sending a decline message to the automobile appliance to cancel the transaction;

    if the portion of the payment information matches to the portion of the transaction information, sending an authorization request to a merchant processor;

    receiving an authorization indicating that the payment information including the vehicle identifier has been approved by a merchant processor, wherein approval indicates funds or credit is available to make payment;

    cancelling the transaction if the authorization for the transaction is not received from the retail device within a predetermined amount of time; and

    in response to authorizing the payment, wirelessly sending the authorization to the automobile appliance.

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