System and method for additional security in a vehicle based transaction

Patent metadata

Field	Value
Publication number	US-11599869-B2
Application number	US-201716640314-A
Country	US
Kind code	B2
Filing date	Sep 5, 2017
Priority date	Sep 5, 2017
Publication date	Mar 7, 2023
Grant date	Mar 7, 2023

Abstract

Identification elements may be added to a vehicle and the identification elements may be required before a transaction through the vehicle may be approved. The identification elements may be a second layer of security to ensure that a payment request is valid and not fraudulent.

First claim

The invention claimed is:

1. A payment system comprising:
an identification element network disposed on a vehicle, the identification element network including a plurality of identification elements each connected to a power source of the vehicle;
a lead identification element configured to wirelessly identify each of the plurality of identification elements in the identification element network and determine whether any of the plurality of identification elements is missing; and
a secure element physically configured to receive an indication from the lead identification element that none of the plurality of identification elements is missing, the secure element including one or more processors and a memory containing processor-executable instructions to:
register the plurality of identification elements, and
based on the indication from the lead identification element that none of the plurality of identification elements is missing, communicate a token representing payment credentials and the plurality of identification elements to a payment service to complete a transaction.

2. The payment system in claim 1 , wherein the secure element determines whether all the identification elements of the plurality of identification elements are registered identification elements with the secure element.

3. The payment system in claim 2 , wherein the secure element stores in the memory:
a unique ID;
the lead identification element;
details on the registered identification elements;
payment module endpoint data; and
related mobile device endpoint data.

4. The payment system in claim 1 , wherein at least one of the plurality of identification elements is disposed on a tire.

5. The payment system in claim 1 , wherein at least one of the plurality of identification elements is disposed in a light bulb.

6. The payment system in claim 1 , wherein the secure element is in a portable computing device.

7. The payment system in claim 1 , wherein the secure element generates dynamic tokens.

8. The payment system in claim 6 , further comprising a computing application on the portable computing device which is in communication with the secure element.

9. The payment system of claim 8 , wherein the computing application is in communication with a remote data storage system.

10. The payment system of claim 2 , wherein the lead identification element further comprises
a processor;
an input/output circuit;
a power source; and
a memory.

11. The payment system of claim 2 , wherein the plurality of identification elements register with the lead identification element.

12. The payment system of claim 11 , wherein the plurality of identification elements register with the secure element.

Assignees

• Visa Int Service Ass

Inventors

• Bhattacharya Som Madhab
• Vyas Surendra

Classifications

• G06K7/1417

  2D bar codes · CPC title

• G06F21/44

  Program or device authentication · CPC title

• G06Q20/326 Primary

  Payment applications installed on the mobile devices · CPC title

• G06Q20/40 Primary

  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 title

• G06Q20/3672

  initialising or reloading thereof · CPC title