TECHNIQUES FOR AN IN-VEHICLE ELECTRONIC WALLET

• US 20150220916A1
• Filed: 08/01/2013
• Published: 08/06/2015
• Est. Priority Date: 08/01/2013
• Status: Active Grant

• Current Assignee: Intel Corporation
• Original Assignee: Intel Corporation
• Inventors: Prakash, Gyan, Dadu, Saurabh, Poornachandran, Rajesh, Sitbon, Phillip
• Granted Patent: US 10,332,104 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/3674 involving authentication
• 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: G07B 15/063 using wireless information transmission between the vehicle and a fixed station identification of vehicles G08G

Abstract

Various embodiments are generally directed to an apparatus, method and other techniques for activating a payment account for an vehicle electronic wallet component and to associate the payment account with a vehicle. In various embodiments, a request for payment for a transaction may be received over a contactless communication link when the vehicle is in proximity to a payment processing entity and authentication information to approve the request for payment may be received. The payment information corresponding to the payment account may be transmitted over the contactless communication link to the payment processing entity to enable payment for the transaction. Other embodiments are described and claimed.

Claims

1-25. -25. (canceled)

26. An electronic wallet for a vehicle, comprising:

a processor component; and

a vehicle electronic wallet component, the vehicle electronic wallet component comprising;

a contactless communication interface component to receive a request for payment for a transaction over a contactless communication link when in proximity to a payment processing entity;

an electronic wallet authentication component communicatively coupled to the contactless communication interface, the electronic wallet authentication component for execution by the processor component to receive authentication information to approve the request for payment; and

an electronic wallet payment component communicatively coupled to the electronic wallet authentication component and the contactless communication interface, the electronic wallet payment component for execution by the processor component to send payment information corresponding to the payment account over the contactless communication link to the payment processing entity to enable payment for the transaction.

27. The electronic wallet for a vehicle of claim 26, the vehicle electronic wallet component comprising an electronic wallet cloud activation component for execution by the processor component to activate a payment account for the vehicle electronic wallet component and to associate the payment account with vehicle information.

28. The electronic wallet for a vehicle of claim 26, the authentication information comprising a personal identification number or a voice passphrase, and the electronic wallet payment component to send payment information based on a comparison of the authentication information and a stored authentication information.

29. The electronic wallet for a vehicle of claim 26, the vehicle electronic wallet component comprising an electronic wallet mobile interface component communicatively coupled to the electronic wallet authentication component and the electronic wallet payment component, the electronic wallet authentication component to receive authentication information to approve the request for payment from a mobile device over a mobile communication link, and the electronic wallet payment component to send the request for payment to the mobile device over the mobile communication link.

30. The electronic wallet for a vehicle of claim 26, comprising:

an input/output (I/O) component communicatively coupled to the electronic wallet authentication component, the I/O component to receive the authentication information, the I/O component including one or more of a biometric sensor, a microphone, and a touch interface; and

a display component communicatively coupled to the electronic wallet payment component, the display component to display a receipt for the transaction.

31. The electronic wallet for a vehicle of claim 27, the electronic wallet cloud activation component to send user details and a vehicle identification number to activate the payment account and associate the payment account with vehicle information.

32. The electronic wallet for a vehicle of claim 27, the electronic wallet cloud activation component to activate a plurality of payment accounts for the vehicle electronic wallet component, the electronic wallet payment component to send payment information of one of the plurality of payment accounts to enable payment for the transaction.

33. The electronic wallet for a vehicle of claim 27, comprising a location determination device communicatively coupled to the electronic wallet authentication component, the electronic wallet authentication component to receive information from the location determination device indicating the vehicle is in motion, and the electronic wallet authentication component to indicate to a user that the payment processing entity is approaching and receive authentication information to approve the request for payment.

34. The electronic wallet for a vehicle of claim 26, the vehicle electronic wallet component comprising an electronic wallet management component communicatively coupled to the electronic wallet payment component, the electronic wallet management component to receive the payment information and payment settings corresponding to the payment account and to store the payment information and payment settings in a secure location, the secure location comprising a local storage location or a remote storage location.

35. The electronic wallet for a vehicle of claim 34, the payment settings comprising a maximum transaction amount, a transaction location policy, and a stored authentication information.

36. The electronic wallet for a vehicle of claim 34, the payment information comprising, a user name, a credit card number, an expiration date, and a credit card security code.

37. The electronic wallet for a vehicle of claim 34, the electronic wallet management component to store payment information and payment settings corresponding to each one of a plurality of payment accounts in the secure location, the secure location comprising a local storage location or a remote storage location.

38. The electronic wallet for a vehicle of claim 34, the electronic wallet management component to add, delete or modify the payment account, the payment account information or the payment account settings based on information received over a mobile communication link or via an I/O component.

39. The electronic wallet for a vehicle of claim 26, the electronic wallet payment component to send loyalty account information corresponding to the payment processing entity to the payment processing entity via the contactless communication component for the transaction.

40. The electronic wallet for a vehicle of claim 26, at least a portion of the vehicle electronic wallet component integrated with a vehicle part.

41. An article comprising a computer-readable storage medium comprising instructions that when executed enable a computing device to:

receive a request for payment for a transaction over a contactless communication link when in proximity to a payment processing entity;

receive authentication information to approve the request for payment; and

send payment information corresponding to the payment account over the contactless communication link to the payment processing entity to enable payment for the transaction.

42. The article of claim 41, comprising instructions that when executed enable the computing device to activate a payment account for the vehicle electronic wallet component and to associate the payment account with vehicle information.

43. The article of claim 41, the authentication information comprising a personal identification number or a voice passphrase, and the computing device to send payment information based on a comparison of the authentication information and stored authentication information.

44. The article of claim 41 comprising instructions that when executed enable the computing device to send user details and a vehicle identification number to activate the payment account and associate the payment account with vehicle information.

45. The article of claim 41, comprising instructions that when executed enable the computing device to activate a plurality of payment accounts for the vehicle electronic wallet component, the electronic wallet payment component to send payment information of one of the plurality of payment accounts to enable payment for the transaction.

46. The article of claim 41, comprising instructions that when executed enable the computing device to:

receive the payment information and payment settings corresponding to the payment account; and

store the payment information and payment settings in a secure location, the secure location comprising a local storage location or a remote storage location.

47. The article of claim 41, comprising instructions that when executed enable the computing device to send loyalty account information corresponding to the payment processing entity to the payment processing entity for the transaction.

48. A computer-implemented method, comprising:

receiving a request for payment for a transaction over a contactless communication link when in proximity to a payment processing entity;

receiving authentication information to approve the request for payment; and

sending payment information corresponding to the payment account over the contactless communication link to the payment processing entity to enable payment for the transaction.

49. The computer-implemented method of claim 48, comprising:

sending the request for payment to a mobile device over a mobile communication link; and

receiving the authentication information from the mobile device over the mobile communication link.

50. The computer-implemented method of claim 48, comprising:

sending user details and a vehicle identification number to activate the payment account and associate the payment account with vehicle information.