Car wallet application

• US 11,328,291 B2
• Filed: 12/02/2015
• Issued: 05/10/2022
• 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): Nigh, James D
• Assistant Examiner(s): Choi, Yin Y
• Application Number:
  US14/957,372
• Publication Number:
  US 20160086170A1
• Time in Patent Office: 2,351 Days
• Field of Search: 705 64
• 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 system, comprising:

an automobile appliance integrated into an automobile for completing a transaction with a retail device, the automobile appliance comprising;

at least one first memory configured to store computer-executable instructions;

a wireless communications device, the wireless communications device operable to transmit a request for a transaction to the retail device, receive transaction information associated with the transaction from the retail device, transmit payment information comprising a vehicle identification number (VIN) of the automobile and the transaction information to the retail device, and receive an authorization for the transaction; and

at least one first processor in communication with a user interface of the automobile and the wireless communications device and configured to access the at least one first memory and execute the computer-executable instructions to;

generate a request for the transaction;

provide the request to the wireless communications device for transmission to the retail device;

receive, from the wireless communications device responsive to providing the request for the transaction, the transaction information;

provide the transaction information to a consumer on the user interface in the automobile;

receive, from the consumer, a selection of a payment account for the transaction;

retrieve the VIN associated with the payment account for use within payment information in lieu of an identifier of the payment account; and

provide the payment information comprising the VIN and the transaction information to the retail device via the wireless communications device; and

a merchant processor in communication with the retail device, the merchant processor comprising;

at least one second memory configured to store additional computer-executable instructions; and

at least one second processor configured to access the at least one second memory and execute the additional computer-executable instructions to;

receive the payment information comprising the VIN associated with the payment account in lieu of an identifier of the payment account from the retail device;

compare a stored VIN at the merchant processor and the VIN received within the payment information; and

provide the authorization for the transaction for delivery to the automobile appliance upon a match between the stored VIN and the VIN received with the payment information,

wherein the at least one first processor of the automobile appliance receives, via the wireless communications device, the authorization for the transaction, wherein the authorization indicates that the payment account associated with the VIN has been approved by the merchant processor; and

displays the authorization in the user interface in the automobile.

2. The system as defined in claim 1, wherein the at least one first processor is further configured to execute the computer-executable instructions to:

encrypt, in an encryption module, the payment information before providing the payment information comprising the VIN and transaction information to the retail device.

3. The system as defined in claim 1, wherein the retail device is associated with a banking system and the transaction information relates to a banking transaction.

4. The system as defined in claim 1, wherein the wireless communications device is one of a radio frequency (RF), near field communication (NFC), Bluetooth, infrared, ultraviolet, or 802.11g device.

5. The system as defined in claim 1, wherein the at least one first processor is further configured to execute the computer-executable instructions to:

create, the payment information.

6. The system as defined in claim 5, wherein the at least one first processor is further configured to execute the computer-executable instructions to:

provide the payment information to the user interface in the automobile for display to the consumer.

7. The system as defined in claim 6, wherein the at least one first processor is further configured to execute the computer-executable instructions to:

receive, via the user interface, a signal representing the consumer'"'"'s acceptance of the payment information.

8. The system as defined in claim 2, wherein the encryption module encrypts the transaction information using symmetrical encryption, asymmetrical encryption, public key encryption, or pretty good privacy (PGP) encryption.

9. One or more computer program product embodied in one or more computer readable media having instructions stored thereon that, when execute by one or more automobile appliance processors or one or more merchant processors, cause the one or more automobile appliance processors or the one or more merchant processor processors to:

generate, by the one or more automobile appliance processors, a request for the transaction;

provide, by the one or more automobile appliance processors, the request to the wireless communications device for transmission to the retail device;

receive, by the one or more automobile appliance processors from the wireless communications device responsive to providing the request for the transaction, the transaction information;

provide, by the one or more automobile appliance processors, the transaction information to a consumer on the user interface in the automobile;

receive, by the one or more automobile appliance processors from the consumer, a selection of a payment account for the transaction;

retrieve, by the one or more automobile appliance processors, the VIN associated with the payment account for use within payment information in lieu of an identifier of the payment account; and

provide, by the one or more automobile appliance processors, the payment information comprising the VIN and the transaction information to the retail device via the wireless communications device;

receive, by the one or more merchant processors in communication with the retail device, the payment information comprising the VIN associated with the payment account in lieu of an identifier of the payment account from the retail device;

compare, by the one or more merchant processors, a stored VIN at the merchant processor and the VIN received within the payment information; and

provide, by the one or more merchant processors, the authorization for the transaction for delivery to the automobile appliance upon a match between the stored VIN and the VIN received with the payment information,

receives, by the one or more merchant processors via the wireless communications device, the authorization for the transaction, wherein the authorization indicates that the payment account associated with the VIN has been approved by the merchant processor; and

displays, by the one or more merchant processor, the authorization in the user interface in the automobile.

10. The one or more computer program products of claim 9, wherein the instructions further cause the one or more automobile appliance processors to:

encrypt the payment information before providing the payment information comprising the VIN and transaction information to the retail device.

11. The one or more computer program products of claim 9, wherein the wireless communications device is one of a radio frequency (RF), near field communication (NFC), Bluetooth, infrared, ultraviolet, or 802.11g device.

12. The one or more computer program products as defined in claim 10, wherein encrypting the payment information uses symmetrical encryption, asymmetrical encryption, public key encryption, or pretty good privacy (PGP) encryption.

13. A system, comprising:

an automobile appliance integrated into an automobile for completing a transaction with a retail device, the automobile appliance comprising;

at least one first memory configured to store computer-executable instructions;

a wireless communications device, the wireless communications device operable to transmit a request for a transaction to the retail device, receive transaction information associated with the transaction from the retail device, transmit payment information comprising a vehicle identification number (VIN) of the automobile and the transaction information to the retail device, and receive an authorization for the transaction, at least one first processor in communication with a user interface of the automobile and the wireless communications device and configured to access the at least one first memory and execute the computer-executable instructions to;

generate a request for the transaction;

provide the request to the wireless communications device for transmission to the retail device;

receive, from the wireless communications device responsive to providing the request for the transaction, the transaction information;

provide the transaction information to a consumer on the user interface in the automobile;

receive, from the consumer, a selection of a payment account for the transaction;

retrieve the VIN associated with the payment account for use within payment information in lieu of an identifier of the payment account; and

provide the payment information comprising the VIN and the transaction information to the retail device via the wireless communications device for comparison with a stored VIN in a merchant processor;

a timer operable to operate for a predetermined period of time and send a signal to the at least one first processor after the predetermined period of time, wherein the at least one first processor of the automobile appliance is further configured to execute the computer-executable instructions to;

cancel the transaction if the authorization has not been received before receiving the signal from the timer.

a merchant processor in communication with the retail device, the merchant processor comprising;

at least one second memory configured to store additional computer-executable instructions; and

at least one second processor configured to access the at least one second memory and execute the additional computer-executable instructions to;

receive the payment information comprising the VIN associated with the payment account in lieu of an identifier of the payment account from the retail device;

compare the stored VIN at the merchant processor and the VIN received with the payment information.

14. The system of claim 13:

wherein the at least one first processor is further configured to execute the computer-executable instructions to;

encrypt, in an encryption module, the payment information before providing the payment information comprising the VIN and transaction information to the retail device.

15. The system of claim 13:

wherein the at least one first processor is further configured to execute the computer-executable instructions to;

create the payment information;

provide the payment information to the user interface in the automobile for display to the consumer; and

receive a signal representing the consumer'"'"'s acceptance of the payment information.