Method and system for on-board detection of speeding of a vehicle and payment of an associated fine
First Claim
1. A method for on-board detection of speeding of a vehicle and payment of an associated fine by an on-board processing device operably connected to a merchant processing device via a communications network, the on-board processing device including a positioning system and a digital wallet component, the method comprising, subsequent to pre-authentication of a payment account of a user associated with the digital wallet component with a payment processing device:
- determining, by the on-board processing device, a speed indication indicative of the speed of the vehicle operated by a user using location information derived from the positioning system;
retrieving, by the on-board processing device from the merchant processing device via the communications network, a speed limit indication indicative of a speed limit associated with a location of the vehicle with respect to a road network;
determining, by the on-board processing device, whether the speed of the vehicle exceeds the speed limit using the speed indication and the speed limit indication;
in response to determining that the speed limit has been exceeded, providing, by the on-board processing device, the speed indication to the merchant processing device via the communications network,wherein the merchant processing device determines payment information at least partially indicative of a payment amount representing a discounted fine for exceeding the speed limit;
retrieves user account information associated with the pre-authenticated payment account of the user from the digital wallet component; and
provides the user account information and the payment information to the payment processing device causing the discounted fine to be paid from the pre-authenticated payment account of the user.
1 Assignment
0 Petitions
Accused Products
Abstract
A method for vehicle speeding self-detection and payment of an associated fine, the method including: a) in an on-board processing device, determining a speed indication indicative of the speed of the vehicle operated by a user; b) determining a speed limit indication indicative of a speed limit associated with a location of the vehicle with respect to a road network; c) determining if the speed of the vehicle exceeds the speed limit using the speed indication and the speed limit indication; d) in response to determining that the speed limit has been exceeded, determining a payment amount indicative of a discounted fine for exceeding the speed limit; and, e) causing the payment amount to be paid from an account of the user.
24 Citations
14 Claims
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1. A method for on-board detection of speeding of a vehicle and payment of an associated fine by an on-board processing device operably connected to a merchant processing device via a communications network, the on-board processing device including a positioning system and a digital wallet component, the method comprising, subsequent to pre-authentication of a payment account of a user associated with the digital wallet component with a payment processing device:
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determining, by the on-board processing device, a speed indication indicative of the speed of the vehicle operated by a user using location information derived from the positioning system; retrieving, by the on-board processing device from the merchant processing device via the communications network, a speed limit indication indicative of a speed limit associated with a location of the vehicle with respect to a road network; determining, by the on-board processing device, whether the speed of the vehicle exceeds the speed limit using the speed indication and the speed limit indication; in response to determining that the speed limit has been exceeded, providing, by the on-board processing device, the speed indication to the merchant processing device via the communications network, wherein the merchant processing device determines payment information at least partially indicative of a payment amount representing a discounted fine for exceeding the speed limit; retrieves user account information associated with the pre-authenticated payment account of the user from the digital wallet component; and provides the user account information and the payment information to the payment processing device causing the discounted fine to be paid from the pre-authenticated payment account of the user. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A system for on-board detection of speeding of a vehicle and payment of an associated fine, comprising:
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an on-board processing device of a user operably connected via a communications network to a merchant processing device of a merchant device; and wherein the on-board processing device comprises a positioning system and a memory storing a digital wallet component, and wherein the memory comprises processor executable instructions which when executed, subsequent to pre-authentication of a payment account of a user associated with the digital wallet component with a payment processing device, cause the on-board processing device to; determine a speed indication indicative of the speed of the vehicle operated by a user using location information derived from the positioning system; retrieve from the merchant processing device via the communications network, a speed limit indication indicative of a speed limit associated with a location of the vehicle with respect to a road network; determine whether the speed of the vehicle exceeds the speed limit using the speed indication and the speed limit indication; and in response to determining that the speed limit has been exceeded, provide the speed indication to the merchant processing device via the communications network; wherein the merchant processing device; determines payment information at least partially indicative of a payment amount representing a discounted fine for exceeding the speed limit; retrieves user account information associated with the pre-authenticated payment account of the user from the digital wallet component; and
,provides the user account information and the payment information to the payment processing device causing the discounted fine to be paid from the pre-authenticated payment account of the user. - View Dependent Claims (13, 14)
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Specification