System and method for electric vehicle mobile payment

• US 10,518,655 B2
• Filed: 07/29/2019
• Issued: 12/31/2019
• Est. Priority Date: 04/05/2011
• Status: Active Grant

• Current Assignee: Hartford Fire Insurance Company (The Hartford Financial Services Group, Inc.)
• Original Assignee: Hartford Fire Insurance Company (The Hartford Financial Services Group, Inc.)
• Inventors: Pandhi, Rohini H., Peak, David F.
• Primary Examiner(s): Liu, I Jung
• Application Number:
  US16/524,679
• Publication Number:
  US 20190344672A1
• Time in Patent Office: 155 Days
• Field of Search: 705 35
• CPC Class Codes: B60L 53/00 Methods of charging batteries, specially adapted for electric vehicles; Charging stations or on-board charging equipment therefor; Exchange of energy storage elements in electric vehicles
• CPC Class Codes: B60L 53/68 Off-site monitoring or control, e.g. remote control
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G07F 17/0057 for the hiring or rent of vehicles, e.g. cars, bicycles or wheelchairs car rental G07B15/00
• CPC Class Codes: Y02T 10/70 Energy storage systems for electromobility, e.g. batteries
• CPC Class Codes: Y02T 10/7072 Electromobility specific charging systems or methods for batteries, ultracapacitors, supercapacitors or double-layer capacitors
• CPC Class Codes: Y02T 90/12 Electric charging stations
• CPC Class Codes: Y02T 90/14 Plug-in electric vehicles
• CPC Class Codes: Y02T 90/16 Information or communication technologies improving the operation of electric vehicles

Abstract

A computer system receives electric vehicle information, including electric vehicle charging information, over a communications network. The electric vehicle charging information may be automatically associated with automobile-related payment information. An integrated presentation of the electric vehicle charging information and the payment may be transmitted, over the communications network, for presentation to an owner of the electric vehicle. An automobile-related payment may be initiated via an interaction between a mobile payment device and an electric vehicle charging station.

Claims

1. A system, comprising:

a data storage device storing automobile-related payment data for an electric vehicle;

a communications device in communication via a communications network with at least a user-accessible device;

a memory storage device storing processor-executable instructions; and

one or more processors in communication with the data storage device, the communications device and the memory storage device, the instructions causing the one or more processors to;

receive electric vehicle information, including electric vehicle charging information and identifier information for at least one of the electric vehicle and a mobile payment device;

associate, using the identifier information, the electric vehicle charging information with the automobile-related payment data stored in the data storage device;

generate data indicative of an integrated presentation of at least a portion of the electric vehicle charging information and the automobile-related payment data; and

provide the data indicative of the integrated presentation of the at least the portion of the electric vehicle charging information and the automobile-related payment data to the communications device for transmission via the communications network to the user-accessible device; and

the mobile payment device configured to, responsive to a swiping interaction with a public electric vehicle charging station, initiate a payment for electric charge at the public electric vehicle charging station and automatically initiate a payment for the automobile-related payment, and responsive to a swiping interaction with a private electric vehicle charging station of an owner of the electric vehicle, automatically initiate only the payment for the automobile-related payment;

wherein the automobile-related payment data includes data collected by one or more of a positioning system and one or more sensors coupled to the electric vehicle, the one or more sensors comprising one or more of a biometrics sensor, an accelerometer, a photoelectric device, a proximity sensor, and a camera, and data indicative of one or more evaluations based on the data collected by the one or more of the positioning system and the one or more sensors coupled to the electric vehicle, and the instructions causing the one or more processors to generate the data indicative of the integrated presentation comprises the instructions causing the one or more processors to incorporate one or more of the collected data and the data indicative of the one or more evaluations, in the data indicative of the integrated presentation.

2. The system of claim 1, wherein the mobile payment device is further configured to receive location information from a positioning system of the electric vehicle, and to receive the electric vehicle charging information comprising an amount of electric charge provided for the electric vehicle and a date and time, and provide the received electric vehicle charging information to the communications device.

3. The system of claim 1, wherein the electric vehicle charging information includes an amount of electric charge provided for the electric vehicle and a date and time, and the instructions causing the one or more processors to generate the data indicative of the integrated presentation comprises the instructions causing the one or more processors to incorporate the amount of electric charge, the date, and the time in the data indicative of the integrated presentation.

4. The system of claim 1, wherein the instructions causing the one or more processors to receive the electric vehicle information further cause the one or more processors to receive the electric vehicle charging information comprising an amount of electric charge provided for the electric vehicle, a geographic location of an electric vehicle charging station, and a date and time of the charging;

wherein the electric vehicle charging information is received from an electric vehicle charging station.

5. The system of claim 1, wherein the instructions causing the one or more processors to receive the electric vehicle information further cause the one or more processors to receive the electric vehicle information from the mobile payment device, via the communications device.

6. The system of claim 1, wherein the instructions causing the one or more processors to provide the data indicative of the integrated presentation for transmission comprises causing the one or more processors to provide the data for transmission to one of an electric vehicle charging station, the electric vehicle, the mobile payment device, and a communication address of the owner of the electric vehicle.

7. The system of claim 1, wherein the data storage device further stores data indicative of one or more past electric charge dates, times and amounts of electric charge, and the instructions causing the one or more processors to generate the data indicative of the integrated presentation comprises causing the one or more processors to incorporate the data indicative of the one or more past electric charge dates, the times and the amounts of electric charge in the data indicative of the integrated presentation.

8. The system of claim 1, wherein the mobile payment device is a payment card.

9. A computer-implemented method for processing electric vehicle data and electric-vehicle related payments, comprising:

receiving, by one or more computer processors from a communications device, electric vehicle information, including electric vehicle charging information and identifier information for at least one of the electric vehicle and a mobile payment device;

associating, by the one or more computer processors, using the identifier information, the electric vehicle charging information with automobile-related payment data stored in a data storage device in communication with the one or more computer processors;

generating, by the one or more computer processors, data indicative of an integrated presentation of at least a portion of the electric vehicle charging information and the automobile-related payment data;

providing, by the one or more computer processors the data indicative of the integrated presentation of the at least the portion of the electric vehicle charging information and the automobile-related payment data to a communications device;

transmitting, by the communications device, via a communications network, the data indicative of the integrated presentation, to a user-accessible device; and

effecting, by the mobile payment device, responsive to an interaction between the mobile payment device and an electric vehicle charging station, initiation of a payment for the automobile-related payment, wherein, responsive to the electric vehicle charging station being a public electric vehicle charging station, initiation of a payment for electric charge at the public electric vehicle charging station is also initiated;

wherein, responsive to the electric vehicle charging station being a private electric vehicle charging station of an owner of the vehicle, automatically initiating only the payment for the automobile-related payment; and

wherein the automobile-related payment data includes data collected by one or more of a positioning system and one or more sensors coupled to the electric vehicle, the one or more sensors comprising one or more of a biometrics sensor, an accelerometer, a photoelectric device, a proximity sensor, and a camera, and data indicative of one or more evaluations based on the data collected by the one or more of the positioning system and the one or more sensors coupled to the electric vehicle, and wherein generating data indicative of the integrated presentation comprises causing one or more of the collected data and the data indicative of the one or more evaluations to be incorporated in the data indicative of the integrated presentation.

10. The computer-implemented method of claim 9, further comprising receiving, by the mobile payment device, location information from a positioning system of the electric vehicle;

receiving an amount of electric charge provided for the electric vehicle and a date and a time; and

providing the received location information and electric charge amount, and the date and the time, to the communications device.

11. The computer-implemented method of claim 9, wherein the electric vehicle charging information includes an amount of electric charge provided for the electric vehicle and a date and time, and wherein generating, by the one or more computer processors, data indicative of the integrated presentation comprises incorporating data indicative of the amount of electric charge, the date, and the time in the data indicative of the integrated presentation.

12. The computer-implemented method of claim 9, wherein receiving the electric vehicle charging information comprises receiving an amount of electric charge provided for the electric vehicle, a geographic location of an electric vehicle charging station, and a date and time of the charging;

wherein the electric vehicle charging information is received from the electric vehicle.

13. The computer-implemented method of claim 9, wherein receiving the electric vehicle information comprises receiving the electric vehicle information from the mobile payment device, via the communications device.

14. The computer-implemented method of claim 9, wherein the providing the data indicative of the integrated presentation for transmission comprises providing the data for transmission to one of an electric vehicle charging station, the electric vehicle, the mobile payment device, and a communication address of the owner of the electric vehicle.

15. The computer-implemented method of claim 9, further comprising storing by the data storage device data indicative of one or more past electric charge dates, times and amounts of electric charge, and wherein generating the data indicative of the integrated presentation comprises incorporating data indicative of the one or more past electric charge dates, times and amounts of electric charge in the data indicative of the integrated presentation.

16. The computer-implemented method of claim 9, wherein the interaction between the mobile payment device and the electric vehicle charging station is a swiping interaction.