PAYMENT CARDS AND FUEL CARDS

• US 20100332363A1
• Filed: 05/23/2008
• Published: 12/30/2010
• Est. Priority Date: 05/24/2007
• Status: Abandoned Application

• Current Assignee: Airmax Group PLC
• Original Assignee: Airmax Group PLC
• Inventors: Armin, Darshan Arunkumar, Perham, Stephen Henry, Duddle, Ashley Robert
• Application Number:
  US12/601,805
• Publication Number:
  US 20100332363A1
• Time in Patent Office: Days
• US Class Current: 705/34
• CPC Class Codes: B67D 7/348 by interrogating an information transmitter, e.g. a transponder B67D7/145 takes precedence
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• 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 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 20/403 Solvency checks
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 40/12 Accounting
• CPC Class Codes: G07F 13/025 wherein the volume is determined during delivery

Abstract

A method of generating an indicator that there is an anomaly between vehicle data and fuel card usage data, comprises: receiving (402) vehicle data at a computer (110; 206, 210); receiving (404) fuel card usage data at the computer; using the computer to compare (406) the vehicle data with the fuel card usage data according to a set of rules (116) accessible by the computer to determine if there is an anomaly between the vehicle data and the fuel card usage data; and the computer automatically generating (410) an indicator if an anomaly is determined.

Claims

1-47. -47. (canceled)

48. A method of generating an indicator that there is an anomaly between vehicle data and fuel card usage data, the method comprising:

receiving the vehicle data at a computer;

receiving the fuel card usage data at the computer;

using the computer to compare the vehicle data with the fuel card usage data according to a set of rules accessible by the computer to determine if there is the anomaly between the vehicle data and the fuel card usage data; and

automatically generating using the computer the indicator if the anomaly between the vehicle data and the fuel card usage data is determined.

49. The method of claim 48, wherein using the computer to compare the vehicle data with the fuel card usage data comprises using at least one of a representation of the vehicle data or a representation of the fuel card usage data to make the comparison.

50. The method of claim 48, wherein using the computer to compare the vehicle data with the fuel card usage data comprises:

converting using the computer at least one of the vehicle data or the fuel card usage data into a unit that can be compared with the other of the vehicle data and the fuel card usage data.

51. The method of claim 50, wherein the computer converts the vehicle data into a value or a range of values;

the value or the range of values identifies an amount of fuel that a vehicle has used.

52. The method of claim 51, wherein converting using the computer comprises using a database to convert the vehicle data into the value or the range of values of fuel usage in order to identify the amount of fuel that the vehicle has used.

53. The method of claim 52, further comprising monitoring the amount of fuel used by the vehicle by monitoring at least one of one or more fuel injectors, a fuel pump or a fuel flow sensor of an engine of the vehicle.

54. The method of claim 48, wherein the set of rules comprises rules to generate a first range of values that correspond to the vehicle data, and a second range of values that correspond to the fuel card usage data, and wherein the anomaly is determined if the first range of values and the second range of values do not overlap.

55. The method of claim 48, wherein the set of rules comprises instructions to compare a threshold value with a difference between the vehicle data and the fuel card usage data or one or more representations of the vehicle data and one or more representations of the fuel card usage data;

and the set of rules further comprise instructions to cause exceeding the threshold value to cause the anomaly to be determined.

56. The method of claim 55, wherein the set of rules further comprises more than one threshold value;

and automatically generating using the computer the indicator comprises;

exceeding more than one threshold value causes differentiated anomalies with increasing levels of severities to be determined; and

the differentiated anomalies comprise the anomaly.

57. The method of claim 48, further comprising receiving at the computer an identifier associated with a vehicle;

and using the identifier to determine which of the set of rules should be applied for the vehicle when comparing the vehicle data with the fuel card usage data.

58. The method of claim 48, wherein receiving the fuel card usage data comprises:

using fuel card usage data from a pre-paid fuel card for providing the fuel card usage data substantially in real time.

59. The method of claim 48, further comprising using a fuel card having data relating to a driver identification.

60. The method of claim 48, further comprising using the indicator to immobilise or mobile the vehicle.

61. An apparatus arranged to carry out the method of claim 48.

62. A method of generating an invoice for fuel dispensed from a first fuel pump, the method comprising:

receiving an identifier from a vehicle at the first fuel pump;

dispensing fuel by the first fuel pump;

associating the fuel dispensed by the first fuel pump with the identifier; and

generating the invoice for the fuel dispensed by the first fuel pump to a party associated with the identifier.

63. The method of claim 62, further comprising a plurality of dispensing fuel operations by one or more second fuel pumps before generating the invoice, wherein:

the one or more second fuel pumps comprises the first fuel pump; and

the plurality of dispensing fuel operations comprises dispensing the fuel by the first fuel pump.

64. The method of claim 62, wherein the identifier comprises at least one of:

billing information for a driver or an employer of the driver;

the name of the driver;

the name of the employer of the driver;

a registration number of the vehicle;

a vehicle identification number (VTN);

a distance traveled by the vehicle;

an account number for the vehicle;

an account number for the driver;

or

an invoice-to address.

65. A first fuel pump arranged to carry out the method according to claim 62.

66. A method of purchasing fuel at a service station, the method comprising:

obtaining a first code by making a prepayment;

inserting the first code in a memory of a computer and being allocated a special code for use in verifying an identity of a user when purchasing the fuel;

communicating with the computer when fuel is required to be purchased;

inputting the special code for verification;

verifying at the computer by checking the special code and comparing the prepayment less any deductions for previous fuel purchases, the deductions for the previous fuel purchases are stored in the memory;

authorising a first payment for the fuel in response to the verification;

monitoring a remaining amount, where the remaining amount is the prepayment less the first amount and the deductions for the previous fuel purchases; and

not authorising a second payment when the prepayment has been spent.

67. The method according to claim 66 further comprising cross-referencing the prepayment with vehicle telematics data to generate an indicator that there is an anomaly with the vehicle telematics data.

68. The method according to claim 67 wherein the vehicle telematics data and the prepayment data is provided in a single special server or in two respective special servers in communication with the each other.

69. A system arranged to carry out the method of claim 66.

70. A method of paying for at least one of goods, services or charges using a payment card, the method comprising:

receiving vehicle data at a computer;

receiving payment card data at the computer;

using the computer to compare the vehicle data with the payment card data to determine whether there is sufficient credit to pay for the at least one of the goods, the services or the charges; and

using the computer to authorise payment if there is sufficient credit.

71. The method according to claim 70, further including arranging the payment card to pay for at least one of pre-specified goods, pre-specified services or pre-specified charges, wherein:

the at least one of the goods, the services or the charges comprise the pre-specified goods, the pre-specified services or the pre-specified charges.

72. The method according to claim 71, further including using one or more codes to pre-specify the at least one of the goods, the services or the charges.

73. The method according to claim 70, further including arranging the payment card to make payments to one or more pre-specified vendors.

74. The method according to claim 70, further including using a Subscriber Identity Module (SIM) card as the payment card.

75. An apparatus to carry out the method of claim 70.