Connected car as a payment device

• US 10,810,572 B1
• Filed: 02/09/2017
• Issued: 10/20/2020
• Est. Priority Date: 02/16/2016
• Status: Active Grant

• Current Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Original Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Inventors: Gaudin, Kristopher Keith, Chan, Leo Nelson, Davis, Justin
• Primary Examiner(s): Rosen, Elizabeth H
• Application Number:
  US15/428,646
• Time in Patent Office: 1,349 Days
• CPC Class Codes: B60W 60/00 Drive control systems specially adapted for autonomous road vehicles
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 20/145 Payments according to the detected use or quantity
• 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 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/206 comprising security or operator identification provisions, e.g. password entry
• CPC Class Codes: G06Q 20/208 Input by product or record sensing, e.g. weighing or scanner processing
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 50/06 Energy or water supply
• CPC Class Codes: G07C 9/257 electronically G07C9/26 takes precedence
• CPC Class Codes: G07C 9/26 using a biometric sensor integrated in the pass
• CPC Class Codes: G07F 13/025 wherein the volume is determined during delivery
• CPC Class Codes: G07F 15/001 for gas

Abstract

Methods, systems, apparatus, and non-transitory computer readable media are described for using a vehicle as a payment device. Various aspects may include receiving a selection of a stored financial card or financial account at a vehicle head unit. The selected financial card or financial account may be transmitted to a point-of-sale (POS) terminal for making a payment by transmitting a tokenized card number to the POS terminal. The tokenized card number may be transmitted over a very short-range communication link to ensure that the transmission is secure. For example, electronic circuitry may be attached to the exterior of the vehicle, where the electronic circuitry may be within a threshold distance (e.g. one inch, three inches, six inches, one foot, three feet, etc.) of the POS terminal. The tokenized card number may be transmitted from the vehicle head unit to the electronic circuitry and then to the POS terminal.

Claims

1. A computer-implemented method of using an autonomous vehicle as an electronic payment device, the method comprising:

generating, by one or more processors in an autonomous vehicle, a virtual map display of a geographic area including indications of merchant locations that accept vehicle payments, wherein the merchant locations are preferred locations for a user as indicated by user preferences;

determining, by the one or more processors via a fuel level sensor, that an amount of gasoline in the autonomous vehicle is less than a threshold amount of gasoline;

selecting, by the one or more processors, one of the merchant locations included in the virtual map display which provides gasoline and accepts virtual payments;

generating and providing, by the one or more processors, navigation directions for the autonomous vehicle to navigate to the selected merchant location;

upon arriving at the selected merchant location;

transmitting, by the one or more processors to a merchant communication terminal at the merchant location, a request to purchase gasoline including authorizing payment for the gasoline and causing a gas pump at the merchant communication terminal to automatically provide the gasoline to the autonomous vehicle;

causing, by the one or more processors in the autonomous vehicle, a gas tank cover to open;

providing, by the one or more processors, an indication to the merchant communication terminal that the gas tank cover is open and an indication of a position of a gas tank opening for the autonomous vehicle;

upon detecting, via the fuel level sensor, that a gas tank of the autonomous vehicle is full, transmitting, by the one or more processors, a request to the merchant communication terminal to stop fueling the vehicle; and

receiving, at the one or more processors, an electronic receipt for the gasoline pumped into the autonomous vehicle by the merchant communication terminal.

2. The method of claim 1, wherein the gas pump automatically provides gasoline to the autonomous vehicle by extending a mechanical arm attached to a nozzle into the gas tank opening of the autonomous vehicle.

3. The method of claim 1, further comprising:

measuring, via the fuel level sensor, a change in the amount of gasoline within the gas tank of the autonomous vehicle;

comparing, by the one or more processors, a payment amount indicated in the electronic receipt to an estimated cost for the gasoline based upon the change in the amount of gasoline; and

when the estimated cost for the gasoline and the payment amount differ by more than a threshold amount, detecting, by the one or more processors, a fraudulent charge.

4. The method of claim 1, further comprising:

receiving, at the one or more processors, a payment amount and a request to authorize payment for the gasoline; and

transmitting, by the one or more processors, an indication to the merchant communication terminal that the payment is authorized.

5. A computer system configured to use an autonomous vehicle as an electronic payment device, the computer system comprising one or more processors, sensors, and/or transceivers in or on an autonomous vehicle configured to:

generate a virtual map display of a geographic area including indications of merchant locations that accept vehicle payments, wherein the merchant locations are preferred locations for a user as indicated by user preferences;

determine, via a fuel level sensor, that an amount of gasoline in the autonomous vehicle is less than a threshold amount of gasoline;

select one of the merchant locations included in the virtual map display which provides gasoline and accepts virtual payments;

generate and provide navigation directions for the autonomous vehicle to navigate to the selected merchant location;

upon arriving at the selected merchant location;

transmit, to a merchant communication terminal at the merchant location, a request to purchase gasoline including authorizing payment for the gasoline and causing a gas pump at the merchant communication terminal to automatically provide the gasoline to the autonomous vehicle;

cause a gas tank cover to open;

provide an indication to the merchant communication terminal that the gas tank cover is open and an indication of a position of a gas tank opening for the autonomous vehicle;

upon detecting, via the fuel level sensor, that a gas tank of the autonomous vehicle is full, transmit a request to the merchant communication terminal to stop fueling the vehicle; and

receive an electronic receipt for the gasoline pumped into the autonomous vehicle by the merchant communication terminal.

6. The computer system of claim 5, wherein the gas pump automatically provides gasoline to the autonomous vehicle by extending a mechanical arm attached to a nozzle into the gas tank opening of the autonomous vehicle.

7. The computer system of claim 5, further configured to:

measure, via the fuel level sensor, a change in the amount of gasoline within the gas tank of the autonomous vehicle;

compare a payment amount indicated in the electronic receipt to an estimated cost for the gasoline based upon the change in the amount of gasoline; and

when the estimated cost for the gasoline and the payment amount differ by more than a threshold amount, detect a fraudulent charge.

8. The computer system of claim 5, further configured to:

receive a payment amount and a request to authorize payment for the gasoline; and

transmit an indication to the merchant communication terminal that the payment is authorized.

9. A non-transitory computer-readable medium storing thereon a set of instructions that, when executed on one or more processors in or on an autonomous vehicle, causes the one or more processors to:

generate a virtual map display of a geographic area including indications of merchant locations that accept vehicle payments, wherein the merchant locations are preferred locations for a user as indicated by user preferences;

determine, via a fuel level sensor, that an amount of gasoline in the autonomous vehicle is less than a threshold amount of gasoline;

select one of the merchant locations included in the virtual map display which provides gasoline and accepts virtual payments;

generate and provide navigation directions for the autonomous vehicle to navigate to the selected merchant location;

upon arriving at the selected merchant location;

transmit, to a merchant communication terminal at the merchant location, a request to purchase gasoline including authorizing payment for the gasoline and causing a gas pump at the merchant communication terminal to automatically provide the gasoline to the autonomous vehicle;

cause a gas tank cover to open;

provide an indication to the merchant communication terminal that the gas tank cover is open and an indication of a position of a gas tank opening for the autonomous vehicle;

upon detecting, via the fuel level sensor, that a gas tank of the autonomous vehicle is full, transmit a request to the merchant communication terminal to stop fueling the vehicle; and

receive an electronic receipt for the gasoline pumped into the autonomous vehicle by the merchant communication terminal.

10. The computer-readable medium of claim 9, wherein the gas pump automatically provides gasoline to the autonomous vehicle by extending a mechanical arm attached to a nozzle into the gas tank opening of the autonomous vehicle.

11. The computer-readable medium of claim 9, wherein the set of instructions further causes the one or more processors to:

measure, via the fuel level sensor, a change in the amount of gasoline within the gas tank of the autonomous vehicle;

compare a payment amount indicated in the electronic receipt to an estimated cost for the gasoline based upon the change in the amount of gasoline; and

when the estimated cost for the gasoline and the payment amount differ by more than a threshold amount, detect a fraudulent charge.

12. The computer-readable medium of claim 9, wherein the set of instructions further causes the one or more processors to:

receive a payment amount and a request to authorize payment for the gasoline; and

transmit an indication to the merchant communication terminal that the payment is authorized.