Systems and methods for processing data messages from a user vehicle

Patent metadata

Field	Value
Publication number	US-11113690-B2
Application number	US-201615388790-A
Country	US
Kind code	B2
Filing date	Dec 22, 2016
Priority date	Dec 22, 2016
Publication date	Sep 7, 2021
Grant date	Sep 7, 2021

Abstract

A payment processor computing device for performing an electronic transaction initiated by a vehicle is described. The payment processor computing device is configured to receive a registration secure token from a vehicle computing device, the registration secure token corresponding to a cardholder and including an account identifier, a vehicle identifier, and a biometric identifier. The payment processor computing device is further configured to store the registration secure token in memory, receive an authorization request message associated with a payment transaction initiated by the cardholder using the vehicle computing device in communication with a merchant computing device wherein the authorization request message includes a transaction secure token, authenticate the authorization request message by matching the transaction secure token to the registration secure token, embed a matching indicator within the authorization request message, and transmit the authorization request message with the embedded matching indicator to an issuer.

First claim

What is claimed is:

1. A payment processor computing device for performing an electronic transaction initiated by a vehicle including a vehicle computing device, said payment processor computing device comprising one or more processors in communication with one or more memory devices, said payment processor computing device communicatively coupled to the vehicle computing device and to at least one merchant point-of-sale (POS) device, said payment processor computing device configured to:
receive a registration secure token from a vehicle computing device, the registration secure token being unique to a combination of a cardholder and the vehicle associated with the cardholder and created during a registration process for initiating future electronic transactions, the vehicle computing device coupled to the vehicle, the registration secure token including:
a tokenized account identifier, the cardholder having an account associated with the account identifier for use in processing electronic transactions;
a vehicle identifier unique to the vehicle associated with the cardholder; and
a biometric identifier associated with the cardholder, the biometric identifier generated by the vehicle computing device in response to receiving a first biometric input from a biometric input device connected to the vehicle computing device, wherein the first biometric input is stored in a memory device of the vehicle computing device;

store the registration secure token in the one or more memory devices;
receive an authorization request message associated with a payment transaction initiated by the cardholder using the vehicle computing device in communication with a first merchant POS device, the authorization request message sent by the vehicle computing device to said payment processor computing device via the first merchant POS device physically proximate to the vehicle computing device, the authorization request message including transaction data associated with the payment transaction and a transaction secure token, wherein the transaction secure token includes the tokenized account identifier, the vehicle identifier of the vehicle, and the biometric identifier, and wherein the transaction secure token is generated by the vehicle computing device in response to the vehicle computing device receiving a second biometric input from the biometric input device, the second biometric input substantially matching the first biometric input stored in the memory of the vehicle computing device;
authenticate the authorization request message by matching the transaction secure token to the registration secure token, the matching including (i) matching a first portion of the transaction secure token representing the tokenized account identifier and a second portion of the transaction secure token representing the vehicle identifier to a first portion of the registration secure token representing the tokenized account identifier and a second portion of the registration secure token representing the vehicle identifier to verify the payment account being used to initiate the payment transaction via the vehicle computing device is associated with the vehicle associated with the vehicle identifier and that the vehicle associated with the vehicle identifier is in proximity to the first merchant POS device at the time the payment transaction is initiated, and (ii) matching a third portion of the transaction secure token representing the biometric identifier to a third portion of the registration secure token representing the biometric identifier to verify a registered cardholder is initiating the payment transaction;
embed a matching indicator within the authorization request message, the matching indicator representing successful verification of the payment transaction based upon successful matching of the transaction secure token with the registration secure token; and
transmit the authorization request message with the embedded matching indicator to an issuer of the account for further processing, wherein, upon detection of the embedded matching indicator by the issuer, the embedded matching indicator is configured to indicate initial verification of the payment transaction has been performed by the payment processing computer device and cause expedited issuer authentication and authorization of the payment transaction.

2. The payment processor computing device of claim 1 , wherein said payment processor computing device is further configured to receive the registration secure token in response to the cardholder inputting the account identifier and the vehicle identifier during the registration process.

3. The payment processor computing device of claim 1 , wherein the first biometric input includes at least one of a fingerprint image, a voice recording, and a retinal image of the cardholder.

4. The payment processor computing device of claim 1 , wherein said payment processor computing device is further configured to verify the authorization request message by applying at least one verification rule and determining that the authorization request message is a verified message.

5. The payment processor computing device of claim 4 , wherein the at least one verification rule for determining that the authorization request message is verified includes at least one of: (i) determining that a current location of the vehicle corresponds to a location of the first merchant POS device based on a vehicle location received from the first merchant POS device in the authorization request message; and (ii) determining that a current mileage of the vehicle is greater than a previous mileage of the vehicle when performing a previous transaction based on a vehicle mileage received from the first merchant POS device in the authorization request message.

6. The payment processor computing device of claim 1 , wherein said payment processor computing device is further configured to transmit at least one coupon to the vehicle computing device based on prior transactions.

7. The payment processor computing device of claim 1 , wherein said payment processor computing device is further configured to receive a plurality of registration secure tokens from the vehicle computing device, each of the plurality of registration secure tokens unique to a respective combination of another cardholder of a plurality of cardholders linked to the vehicle and the vehicle.

8. The payment processor computing device of claim 1 , wherein the vehicle identifier is a vehicle identification number (VIN) associated with the vehicle by a vehicle manufacturer.

9. The payment processor computing device of claim 1 , said payment processor computing device further configured to:
determine that the transaction secure token does not match the registration secure token;
embed a no-match indicator within the authorization request message; and
transmit the authorization request message with the embedded no-match indicator to an issuer of the account for further processing, wherein, upon detection of the embedded no-match indicator by the issuer, the embedded no-match indicator is configured to indicate initial verification of the payment transaction performed by the payment processing computer device was unsuccessful and cause the issuer to (i) initiate one or more additional authentication procedures, or (ii) decline the payment transaction.

10. The payment processor computing device of claim 1 , said payment processor computing device further configured to:
determine that the transaction secure token does not match the registration secure token;
generate, on behalf of the issuer, an authorization response message including a decline message and a no-match indicator; and
transmit the authorization respons

Assignees

• Mastercard International Inc

Inventors

• Woods Jeffrey D
• Mullen Christopher Eric
• Unnerstall Rick

Classifications

• G06Q20/4015 Primary

  using location information · CPC title

• G06Q20/3821 Primary

  Electronic credentials · CPC title

• G06Q20/4014

  Identity check for transactions · CPC title

• G06Q20/40145

  Biometric identity checks · CPC title

• G06Q20/405

  Establishing or using transaction specific rules · CPC title