Connected car as a payment device
Methods, systems, apparatus, and non-transitory computer readable media are described for using a vehicle as a payment device. Various aspects may include receiving a selection of a stored financial card or financial account at a vehicle head unit. The selected financial card or financial account may be transmitted to a point-of-sale (POS) terminal for making a payment by transmitting a tokenized card number to the POS terminal. The tokenized card number may be transmitted over a very short-range communication link to ensure that the transmission is secure. For example, electronic circuitry may be attached to the exterior of the vehicle, where the electronic circuitry may be within a threshold distance (e.g. one inch, three inches, six inches, one foot, three feet, etc.) of the POS terminal. The tokenized card number may be transmitted from the vehicle head unit to the electronic circuitry and then to the POS terminal.
1. A computer-implemented method for using a vehicle as a payment device, the method executed by one or more processors programmed to perform the method, the method comprising:
receiving, by one or more processors executing a vehicle payment application in a vehicle head unit, one or more sets of financial data each corresponding to a financial account for making payments;
generating, by the one or more processors executing the vehicle payment application, a virtual map display of a geographic area including indications of merchant locations that accept vehicle payments;
receiving, by the one or more processors executing the vehicle payment application, a selection of one of the merchant locations;
detecting, by the one or more processors, a triggering event indicating that the vehicle is within a predetermined range for communicating with a merchant communication terminal by detecting at least one of:
(i) that the vehicle is within Wi-Fi, Radio Frequency Identification (RFID), or Bluetooth communication range of the merchant communication terminal by receiving a Wi-Fi, RFID, or Bluetooth signal from the merchant communication terminal,
(ii) that the vehicle is within a predetermined distance of the merchant communication terminal by comparing a current location of the vehicle to the selected merchant location, or
(iii) that the vehicle is within the predetermined distance of the merchant communication terminal by capturing images, via a camera within the vehicle, of an area surrounding the vehicle, and identifying, using digital image analysis techniques, the merchant communication terminal within at least one of the images and a position of the merchant communication terminal relative to the vehicle;
receiving, by the one or more processors executing the vehicle payment application, a selection by the user of one of the one or more financial accounts for initiating a payment process at the selected merchant location, and authenticating the user to ensure the user is authorized to use the selected financial account; and
transmitting, by the one or more processors executing the vehicle payment application, a request to purchase fuel to the merchant communication terminal or server associated with the selected merchant location in response to detecting the triggering event, the request including an indication of the selected financial account.
2. The computer-implemented method of claim 1 , further comprising: for each of the one or more sets of financial data, obtaining, by the one or more processors executing the vehicle payment application, a token representing the set of financial data; and transmitting, by the one or more processors executing the vehicle payment application, the token corresponding to the selected financial account to the merchant communication terminal or server.
3. The computer-implemented method of claim 1 , wherein authenticating the user includes: receiving, by the one or more processors executing the vehicle payment application, biometric information from the user; and comparing, by the one or more processors, the biometric information to stored biometric information for an authorized user.
4. The computer-implemented method of claim 3 , wherein the biometric information includes at least one of: a facial scan, a finger print scan, a retina scan, or a voice scan.
5. The computer-implemented method of claim 1 , wherein authenticating the user includes: receiving, by the one or more processors executing the vehicle payment application, login information or mobile device identification information; and comparing, by the one or more processors, the login information or the mobile device identification information to a stored unique identifier for an authorized user.
6. The computer-implemented method of claim 1 , wherein the merchant communication terminal is a point of sale (POS) terminal at a fuel station.
7. The computer-implemented method of claim 1 , wherein transmitting the request to purchase fuel to the merchant communication terminal includes transmitting the request via a short-range communication link.
8. A computer system configured to use a connected vehicle as an electronic payment device, the computer system comprising one or more processors, transceivers, and/or sensors configured to: receive, by a vehicle payment application in a vehicle head unit, one or more sets of financial data each corresponding to a financial account for making payments; generate, by the vehicle payment application, a virtual map display of a geographic area including indications of merchant locations that accept vehicle payments; receive, by the vehicle payment application, a selection of one of the merchant locations; detect, by the vehicle payment application, a triggering event indicating that the vehicle is within a predetermined range for communicating with a merchant communication terminal by detecting at least one of:
(i) that the vehicle is within Wi-Fi, Radio Frequency Identification (RFID), or Bluetooth communication range of the merchant communication terminal by receiving a Wi-Fi, RFID, or Bluetooth signal from the merchant communication terminal,
(ii) that the vehicle is within a predetermined distance of the merchant communication terminal by comparing a current location of the vehicle to the selected merchant location, or (iii) that the vehicle is within the predetermined distance of the merchant communication terminal by capturing images, via a camera within the vehicle, of an area surrounding the vehicle, and identifying, using digital image analysis techniques, the merchant communication terminal within at least one of the images and a position of the merchant communication terminal relative to the vehicle;
receive, by the vehicle payment application, a selection by the user of one of the one or more financial accounts for initiating a payment process at the selected merchant location, and authenticating the user to ensure the user is authorized to use the selected financial account; and transmit, by the vehicle payment application, a request to purchase fuel to the merchant communication terminal or server associated with the selected merchant location in response to detecting the triggering event, the request including an indication of the selected financial account.
9. The computer system of claim 8 , wherein the computer system is further configured to: for each of the one or more sets of financial data, obtain, by the vehicle payment application, a token representing the set of financial data; and transmit, by the vehicle payment application, the token corresponding to the selected financial account to the merchant communication terminal or server.
10. The computer system of claim 8 , wherein to authenticate the user, the computer system is configured to: receive, by the vehicle payment application, biometric information from the user; and compare the biometric information to stored biometric information for an authorized user.
11. The computer system of claim 10 , wherein the biometric information includes at least one of: a facial scan, a finger print scan, a retina scan, or a voice scan.
12. The computer system of claim 8 , wherein to authenticate the user, the computer system is configured to: receive, by the vehicle payment application, login information or mobile device identification information; and compare the login information or the mobile device identification information to a stored unique identifier for an authorized user.
13. A non-transitory computer-readable medium storing thereon a set of instructions that, when executed on one or more processors, causes the one or more processors to:
receive, by a vehicle payment application in a vehicle head unit, one or more sets of financial data each corresponding to a financial account for making payments; generate, by the vehicle payment application, a virtual map display of a geographic area including indications of merchant locations that accept vehicle payments;
receive, by the vehicle payment application, a selection of one of the merchant locations; detect, by the vehicle payment application, a triggering event indicating that a vehicle is within a predetermined range for communicating with a merchant communication terminal by detecting at least one of:
(i) that the vehicle is within Wi-Fi, Radio Frequency Identification (RFID), or Bluetooth communication range of the merchant communication terminal by receiving a Wi-Fi, RFID, or Bluetooth signal from the merchant communication terminal,
(ii) that the vehicle is within a predetermined distance of the merchant communication terminal by comparing a current location of the vehicle to the selected merchant location, or
(iii) that the vehicle is within the predetermined distance ofthe merchant communication terminal by capturing images, via a camera within the vehicle, of an area surrounding the vehicle, and identifying, using digital image analysis techniques, the merchant communication terminal within at least one of the images and a position of the merchant communication terminal relative to the vehicle;
receive, by the vehicle payment application, a selection by the user ofone ofthe one or more financial accounts for initiating a payment process at the selected merchant location, and authenticating the user to ensure the user is authorized to use the selected financial account; and transmit, by the vehicle payment application, a request to purchase fuel to the merchant communication terminal or server associated with the selected merchant location in response to detecting the triggering event, the request including an indication of the selected financial account.
14. The computer-readable medium of claim 13 , wherein the one or more processors are further configured to: for each of the one or more sets of financial data, obtain, by the vehicle payment application, a token representing the set of financial data; and transmit, by the vehicle payment application, the token corresponding to the selected financial account to the merchant communication terminal or server.
15. The computer-readable medium of claim 13 , wherein to authenticate the user, the one or more processors are configured to: receive, by the vehicle payment application, biometric information from the user; and compare the biometric information to stored biometric information for an authorized user.
16. The computer-readable medium of claim 15 , wherein the biometric information includes at least one of: a facial scan, a finger print scan, a retina scan, or a voice scan.
17. The computer system of claim 9 , wherein to authenticate the user, the one or more processors are configured to: receive, by the vehicle payment application, login information or mobile device identification information; and compare the login information or the mobile device identification information to a stored unique identifier for an authorized user.