REMOTELY AUTHORIZING A PURCHASE FROM A HEAD UNIT OF A VEHICLE

• US 20140058805A1
• Filed: 08/24/2012
• Published: 02/27/2014
• Est. Priority Date: 08/24/2012
• Status: Abandoned Application

• Current Assignee: SAP SE
• Original Assignee: SAP AG (SAP SE)
• Inventors: Tran, Binh, Paesler, Henrik, Williams, Aaron, Jindia, Prerna, Warnakulasooriya, Isuru, Yue, Kitty, Lin, Wei-Wei, Phorn, Kim Srea, Ryder, Geoff
• Application Number:
  US13/593,947
• Publication Number:
  US 20140058805A1
• Time in Patent Office: Days
• US Class Current: 705/13
• CPC Class Codes: G06Q 20/145 Payments according to the detected use or quantity
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• 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: G07F 13/025 wherein the volume is determined during delivery

Abstract

Example systems and methods for authorizing a financial charge from the head unit of a vehicle are shown, in m example, vehicle position information is received from the head unit at a cloud server. The cloud server can also receive purchase information from the head unit of the vehicle. The cloud server can then verify that the purchase is appropriate given a location of the vehicle, based on the purchase information and the vehicle position information, and pass the purchase information to a credit or debit card processor when the purchase has been verified.

Claims

1. A method for authorizing a purchase from a head unit of a vehicle, comprising:

transmitting, by the head unit, vehicle position information to a cloud via a wireless communication network;

creating, by the head unit, an authorization for the purchase;

sending the authorization for the purchase from the head unit to a cloud via a wireless communication network; and

receiving an indication from the cloud that the purchase has been approved based on a determination that the purchase is appropriate given the location of the vehicle; and

completing the purchase based on the received indication.

2. The method of claim 1, wherein the vehicle position information is obtained from a global positioning system (GPS) module in the vehicle.

3. The method of claim 1 wherein the purchase is a purchase that would require a vehicle be present to gain benefit of the purchase.

4. The method of claim 1, further comprising;

receiving purchase amount information from a merchant via a wireless communication network.

5. A method for authorizing a purchase from a head unit of a vehicle, comprising:

receiving, at a cloud server in a cloud, vehicle position information from the head unit of the vehicle;

receiving, at the cloud server, purchase information from the head unit of the vehicle, the purchase information including a location where the purchase is taking place;

comparing the vehicle position information to the location where the purchase is taking place to verify that the purchase is appropriate given a location of the vehicle; and

passing the purchase information to a credit or debit card processor in response to a verification that the purchase is appropriate .given the location of the vehicle, in order to cause the processing of a financial transaction for the purchase.

6. The method of claim 5, further comprising alerting a driver by sending a message to the head unit.

7. The method of claim 5, wherein the purchase is time from a parking meter.

8. The method of claim 7, wherein the purchase is prompted by an alert from the parking meter that time on the parking meter has almost expired.

9. A cloud server located in a cloud, the cloud server comprising:

a processor;

a first interface designed to receive vehicle position information and purchase information from a head unit, of a vehicle, the purchase information including a location where a purchase is taking place;

a purchase verification module configured to compare the vehicle position information to the location where the purchase is taking place to verify that the purchase is appropriate given a location of the vehicle; and

a second interface designed to send the purchase information to a transaction processor in response to a verification that the purchase is appropriate given the location of the vehicle, in order to cause the processing of a financial transaction for the purchase.

10. The cloud server of claim 9, wherein the first interlace includes an interface to a cellular phone network.

11. The cloud server of claim 9, further comprising a third interface designed to send purchase information to a merchant.

12. The cloud server of claim 11 wherein the merchant includes a merchant server in communication with a local point-of-sale terminal at the location of the vehicle.

13. A head unit in a vehicle, comprising:

a processor;

a global positional satellite (GPS) module designed to determine a current location for the vehicle;

the processor configured to create an authorization for a purchase, the authorization including vehicle position information from the GPS module;

a cellular network transmission module designed to transmit the authorisation to a cloud via a wireless communication message and to complete the purchase upon receiving an indication from the cloud that the purchase has been approved based on a determination that the purchase is appropriate given the location of the vehicle.

14. The head unit of claim 13, further comprising a direct wireless transmission module designed to communicate directly with a point of sale terminal at the current location.

15. A non-transitory computer-readable storage medium comprising instructions that, when executed by at least one processor of a machine, cause the machine to per form operations for authorizing a purchase from a head unit of a vehicle, comprising:

transmitting, by the head unit, vehicle position information to a cloud via a wireless communication network;

sending the authorization for the purchase from the head unit to a cloud via a wireless communication network;

receiving an indication from the cloud that the purchase has been approved based on a determination that the purchase is appropriate given the location of the vehicle; and

completing;

the purchase based on the received indication.

16. A non-transitory computer-readable storage medium comprising instructions that, when executed by at least one processor of a machine, cause the machine to perform operations for authorizing a purchase from a head unit of a vehicle, comprising:

receiving, at a cloud server in a cloud, vehicle position information from the head unit of the vehicle;

receiving, at the cloud server, purchase information from the head unit of the vehicle, the purchase information including a location where the purchase is taking place;

comparing the vehicle position information to the location where the purchase is taking place to verify that the purchase is appropriate given a location of the vehicle; and

passing the purchase information to a credit or debit card processor in response to a verification that the purchase is appropriate given the location of the vehicle, in order to cause the processing of a financial transaction for the purchase.