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

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Hurt, Andrew, Worley, Shaun
• Primary Examiner(s): Huang, Tsan-Yu J
• Application Number:
  US12/201,122
• Publication Number:
  US 20100057624A1
• Time in Patent Office: 2,664 Days
• Field of Search: 705/13, 705/26.1
• US Class Current: 1/1
• CPC Class Codes: B60K 35/00 Instruments specially adapted for vehicles; Arrangement of instruments in or on vehicles
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• 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 30/04 Billing or invoicing
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

Embodiments of the disclosure generally relate to systems and methods for processing electronic payments for retail services and goods delivered by a retail establishment. In embodiments, a mobile wallet application is installed in the automobile. The automobile wallet application can receive and/or send transaction and payment information over a near field communication system to a retailer and on to an authorizing authority. The authorizing authority receives the payment and transaction information, authorizes or declines the payment of the transaction, and forwards the authorization or declination to the automobile wallet application. If authorized, the retailer provides the retail good or service.

Claims

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.

2. The method as defined in claim 1, further comprising:

displaying the transaction information for a user on a user interface device in the automobile;

determining if the user accepts the transaction information by receiving a signal from a user interface in the automobile;

if the user accepts the transaction information, creating the payment information for the transaction; and

if the user does not accept the transaction information, canceling the transaction.

3. The method as defined in claim 1, further comprising:

receiving a payment type from a user interface in the automobile; and

in response to receiving the payment type, creating the payment information for the transaction.

4. The method as defined in claim 3, further comprising

displaying the payment information for a user on a user interface device in the automobile;

determining if the user accepts the payment information by receiving a signal from a user interface in the automobile;

if the user accepts the payment information, creating the payment information for the transaction; and

if the user does not accept the payment information, canceling the transaction.

5. The method as defined in claim 4, further comprising:

receiving the decline message at the automobile appliance; and

in response to receiving the decline message, canceling the transaction.

6. The method as defined in claim 1, further comprising:

wirelessly receiving the payment information and transaction information at the merchant processor;

comparing, by the merchant processor, at least a portion of the payment information to at least a portion of the transaction information;

determining, by the merchant processor, if the portion of the payment information compares to the portion of the transaction information;

if the portion of the payment information does not compare to the portion of the transaction information, sending a decline message to the retail device to cancel the transaction;

wirelessly sending the decline message from the retail device to the automobile appliance;

if the portion of the payment information compares to the portion of the transaction information, authorizing the payment;

in response to authorizing the payment, sending the authorization to the retail device; and

wirelessly sending the authorization from the retail device to the automobile appliance.