Automated pairing of payment products and mobile to mobile devices

• US 9,940,615 B2
• Filed: 09/23/2014
• Issued: 04/10/2018
• Est. Priority Date: 10/16/2012
• Status: Expired due to Fees

• Current Assignee: Fleetcor Technologies Incorporated (NHI-2, LLC)
• Original Assignee: Fleetcor Technologies Incorporated (NHI-2, LLC)
• Inventors: Johnson, Jr., Max L.
• Primary Examiner(s): Trotter, Scott S
• Application Number:
  US14/494,035
• Publication Number:
  US 20150026047A1
• Time in Patent Office: 1,295 Days
• CPC Class Codes: G01C 21/28 with correlation of data from several navigational instruments
• CPC Class Codes: G06Q 20/223 based on the use of peer-to-peer networks
• CPC Class Codes: G06Q 20/308 using the Internet of Things
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute
• CPC Class Codes: G06Q 50/40 Business processes related to the transportation industry shipping G06Q10/083
• CPC Class Codes: G07C 5/008 communicating information to a remotely located station transmission systems for measured values G08C
• CPC Class Codes: H04W 4/023 using mutual or relative location information between multiple location based services [LBS] targets or of distance thresholds

Abstract

A computer receives card transaction data in response to a transaction using a financial services card. The card transaction data identifies at least a location, date, and time associated with the transaction. Upon receiving the card transaction data, the computer compares the card transaction data with telematics information associated with a vehicle equipped with a telematics device. The telematics information identifies at least a location of the vehicle, and a time and date associated with the location of the vehicle. On the basis of the comparison, the computer determines if the location of the transaction substantially matches the location of the vehicle at the time and date of transaction. Responsive to determining a substantial match, the computer associates the financial services card with the vehicle.

Claims

1. A method comprising:

(a) retrieving and timestamping, by a telematics device of each vehicle of a plurality of vehicles, telematics information associated with a respective vehicle, wherein the telematics information comprises a location of the respective vehicle, wherein the telematics device of each vehicle is coupled to an on-board diagnostic port of the respective vehicle and comprises a wireless communication capability, and wherein the telematics device of each vehicle is communicably coupled to a remotely located telematics server computer over a wireless network;

(b) wirelessly transmitting, by the telematics device of each vehicle, the telematics information of the respective vehicle to the telematics server computer over the wireless network;

(c) receiving via the wireless network, at an input engine of the telematics server computer, card transaction data associated with a transaction using a financial services card, the card transaction data identifying a first location, a first time, and a first date associated with the transaction;

(d) comparing, by a comparison engine of the telematics server computer, the first location, the first time, and the first date associated with the transaction and telematics information associated with each vehicle of the plurality of vehicles to determine if the first location associated with the transaction substantially matches the location of at least one of the plurality of vehicles at the first time and the first date associated with the transaction;

(e) determining, by the comparison engine of the telematics server computer, that the first location associated with the transaction substantially matches the location of more than one vehicle of the plurality of vehicles at the first time and the first date associated with the transaction; and

(f) responsive to determining that the first location associated with the transaction substantially matches the location of more than one vehicle of the plurality of vehicles at the first time and the first date associated with the transaction, comparing, by the comparison engine of the telematics server computer, a second location, a second time, and a second date associated with a subsequent transaction of the financial services card and telematics information associated with each vehicle of the more than one vehicle to determine if the second location associated with the subsequent transaction substantially matches the location of no more than one vehicle at the second time and the second date associated with the subsequent transaction;

responsive to determining a substantial match with the telematics information of no more than one vehicle,

(1) eliminating, by an association engine of the telematics server, an association between the financial services card and a remainder of the more than one vehicle of the plurality of vehicles whose locations do not match the second location associated with the subsequent transaction at the second time and the second date associated with the subsequent transaction, wherein the association between the financial services card and a remainder of the more than one vehicle is based on the determination that the first location associated with the transaction substantially matches the location of more than one vehicle of the plurality of vehicles at the first time and the first date associated with the transaction; and

(2) creating, by the association engine of the telematics server computer, an association table that maps a unique identifier of the financial services card with a unique identifier of the one vehicle whose location substantially matches the second location associated with the subsequent transaction at the second time and the second date associated with the subsequent transaction, wherein by mapping the unique identifier of the financial services card with a unique identifier of the one vehicle, the financial services card is associated with the one vehicle; and

responsive to associating the financial services card to the one vehicle,

(1) generating, by an analysis engine of the telematics server computer, one or more analysis results based on a combination of the card transaction data and the telematics information of the associated financial services card and the one vehicle, respectively; and

(2) generating and outputting, by an output engine of the telematics device, a report comprising at least one of the one or more analysis results and data pertaining to the association table.

2. The method of claim 1, wherein the telematics device is triggered to transmit the telematics information at each start and stop event of each vehicle'"'"'s engine.

3. The method of claim 1, wherein the telematics device is triggered to transmit the telematics information upon crossing a geo-fence.

4. The method of claim 1, wherein the telematics device is triggered to transmit the telematics information in periodic intervals.

5. The method of claim 1, further comprising:

reinforcing an association of the unique identifier of the financial service card to the unique identifier of the one vehicle by repeating the comparison using card transaction data associated with another subsequent transaction.

6. A system comprising:

a plurality of telematics devices,

wherein each telematics device is removably coupled to an on-board diagnostics port of a respective vehicle of a plurality of vehicles and configured to retrieve and wirelessly transmit the telematics information associated with the respective vehicle to a remotely located telematics server computer; and

the telematics server computer communicatively coupled to the plurality of telematics devices over a wireless network,

wherein the telematics server computer comprises;

an input engine configured to receive card transaction data associated with a transaction using a financial services card that is not associated with a vehicle prior to the transaction, the card transaction data identifying a first location, a first time, and a first date associated with the transaction;

a comparison engine configured to;

compare the first location, the first time, and the first date associated with the transaction and the telematics information associated with each vehicle of the plurality of vehicles to determine if the first location associated with the transaction substantially matches a location of at least one of the plurality of vehicles at the first time and the first date associated with the transaction, wherein the location of each vehicle is obtained from the telematics information of the respective vehicle

determine that the first location associated with the transaction substantially matches the location of more than one of the plurality of vehicles at the first time and the first date associated with the transaction;

responsive to determining that the location associated with the transaction substantially matches the location of more than one of the plurality of vehicles at the first time and the first date associated with the transaction,

 

compare a second location, a second time, and a second date associated with a subsequent transaction of the financial services card and telematics information associated with each vehicle of the more than one vehicle to determine if the second location associated with the subsequent transaction substantially matches the location of only one of the more than one vehicles at the second time and the second date associated with the subsequent transaction;

an association engine configured to;

responsive to determining the substantial match with the telematics information of only one of the more than one vehicles,

 

eliminate a match between the financial services card and a remainder of the more than one vehicles of the plurality of vehicles whose locations do not match the second location associated with the subsequent transaction at the second time and the second date associated with the subsequent transaction,

 

wherein the match between the financial services card and the remainder of the more than one vehicles is based on the determination that the first location associated with the transaction substantially matches the location of the more than one vehicles of the plurality of vehicles at the first time and the first date associated with the transaction; and

 

create, responsive to determining the substantial match with the telematics information of only one of the more than one vehicles, an association table that maps a unique identifier of the financial services card with a unique identifier of the one vehicle,

 

wherein by mapping the unique identifier of the financial services card with a unique identifier of the one vehicle, the financial services card is associated with the one vehicle;

an analysis engine configured to;

responsive to associating the financial services card with the one vehicle,

generate one or more analysis results based on a combination of the card transaction data and the telematics information of the associated financial services card and the one vehicle, respectively; and

an output engine configured to generate and output a report comprising at least one of the one or more analysis results and data pertaining to the association table.

7. The system of claim 6,

wherein the input engine is further configured to receive device information associated with a mobile computing device of a driver of the one vehicle, the device information identifying a location of the mobile computing device and a time and date for the mobile computing device location;

wherein the comparison engine is further configured to determine that a location associated with the one vehicle, and a time and a date associated with the location of the one vehicle substantially matches the location associated with the mobile computing device, and the time and the date associated with the mobile computing device location, respectively; and

wherein responsive to determining that the location associated with the one vehicle and the time and date for the one vehicle location substantially matches the location associated with the mobile computing device, and the time and the date for the mobile computing device location, respectively, the association engine is further configured to create an entry in the association table that maps the unique identifier of the one vehicle with a unique identifier of the mobile computing device.

8. The system of claim 7, wherein the telematics server computer is further configured to:

identify a user associated with the mobile computing device based on the unique identifier of the mobile computing device; and

map the unique identifier associated with the one vehicle with an identifier of the user of the matched mobile computing device.

9. The system of claim 6, wherein the comparison engine is further configured to:

reinforce the mapping of the financial service card to the one vehicle by repeating the comparison using card transaction data associated with another subsequent transaction.

10. The system of claim 6, wherein the telematics device is triggered to transmit the telematics information in response to a trigger event, and wherein the trigger event comprises one of a start and stop event of the vehicle'"'"'s engine, entering and leaving a geo-fence, and pre-determined time intervals.

11. A system comprising:

a plurality of telematics devices,

wherein each telematics device is coupled to an on-board diagnostics port of a respective vehicle of a plurality of vehicles and configured to retrieve telematics information associated with the respective vehicle;

a transaction database configured to store card transaction data associated with a financial services card and transmit the card transaction data responsive to a transaction associated with the financial services card;

a remotely located telematics server communicatively coupled to the transaction database and one or more of the plurality of telematics devices over a communication network,

wherein the remotely located telematics server is configured to;

(a) receive card transaction data associated with a first transaction using the financial services card that is not associated with a vehicle prior to the first transaction, the card transaction data identifying a first location, a first time, and a first date associated with the first transaction;

(b) receive telematics information associated with each vehicle of the plurality of vehicles and create a vehicular database that stores the telematics information;

(c) compare the first location, the first time, and the first date associated with the first transaction and the telematics information associated with each vehicle of the plurality of vehicles stored in the vehicular database to determine if the first location associated with the first transaction substantially matches the location of at least one of the plurality of vehicles at the first time and the first date associated with the first transaction;

(d) determine that the first location associated with the first transaction substantially matches the location of more than one vehicle of the plurality of vehicles at the first time and the first date associated with the first transaction;

(e) responsive to a substantial match with more than one vehicle, compare a second location, a second time, and a second date associated with a subsequent transaction of the financial services card and telematics information associated with each vehicle of the more than one vehicle to determine if the second location associated with the subsequent transaction substantially matches the location of no more than one of the more than one vehicle at the second time and the second date associated with the subsequent transaction;

(f) responsive to determining a substantial match with the telematics information of no more than one of the more than one vehicles,

eliminate a match between the financial services card and a remainder of the more than one vehicles of the plurality of vehicles whose locations do not match the second location associated with the subsequent transaction at the second time and the second date associated with the subsequent transaction,

 

wherein the match between the financial services card and the remainder of the more than one vehicles is based on the determination that the first location associated with the transaction substantially matches the location of the more than one vehicles of the plurality of vehicles at the first time and the first date associated with the transaction; and

create an association table that maps a unique identifier of the financial services card with a unique identifier of the one vehicle,

 

wherein by mapping the unique identifier of the financial services card with a unique identifier of the one vehicle, the financial services card is associated with the one vehicle;

(g) responsive to associating the financial services card with the one vehicle,

generate one or more analysis results based on a combination of the card transaction data and the telematics information of the associated financial services card and the one vehicle, respectively; and

output a report comprising at least one of a data pertaining to the association table and the one or more analysis results calculated based on a combination of the card transaction data and the telematics information of the financial services card associated with the one vehicle.

12. The system of claim 11, wherein responsive to a negative determination that the second location associated with the subsequent transaction substantially matches a location of no more than one of the more than one vehicle at the second time and the second date associated with the transaction, the telematics server computer is configured to repeat step (e) with card transaction data associated with another subsequent transaction till the card transaction data of the financial services card substantially matches telematics information of only one vehicle of the plurality of vehicles.

13. The system of claim 11, wherein responsive to a negative determination that the second location associated with the subsequent transaction substantially matches a location of only one of the more than one vehicle at the second time and the second date associated with the transaction, the telematics server computer is configured to repeat step (e) with card transaction data associated with another subsequent transaction for a pre-determined number of times.