Method and system for authentication of payment card transactions

Patent metadata

Field	Value
Publication number	US-2016247143-A1
Application number	US-201514631402-A
Country	US
Kind code	A1
Filing date	Feb 25, 2015
Priority date	Feb 25, 2015
Publication date	Aug 25, 2016
Grant date	—

Abstract

A method and a system are provided for authenticating secure payment card transactions and verifying and validating payment card user identities. The method includes determining a numeric or alphanumeric code on a vehicle registration plate of a vehicle (e.g., a driverless vehicle or a drone) bearing a processing device that is approaching a payment area (e.g., a toll road, a refueling station, or a retail store). A wireless communication circuit (e.g., Near Field Communication (NFC) circuit) is communicatively coupled to the processing device. The method also includes determining a numeric or alphanumeric identification of the processing device; comparing the numeric or alphanumeric code on the vehicle registration plate with the numeric or alphanumeric identification of the processing device to determine whether or not an association exists between the vehicle and the processing device; and assessing the determined association to facilitate determining whether a payment transaction using the processing device is valid or invalid (e.g., potential fraud).

First claim

What is claimed is:

1 . A method comprising:
determining a numeric or alphanumeric code on a vehicle registration plate of a vehicle bearing a processing device that is approaching a payment area; wherein a wireless communication circuit is communicatively coupled to the processing device, the wireless communication circuit including at least one of a wireless communication tag and a wireless communication reader to receive or selectively provide wireless connectivity data from or to the payment area via a wireless communication link; determining a numeric or alphanumeric identification of the processing device; comparing the numeric or alphanumeric code on the vehicle registration plate with the numeric or alphanumeric identification of the processing device to determine whether or not an association exists between the vehicle and the processing device; and assessing the determined association to facilitate determining whether a payment transaction using the processing device is valid or invalid.

2 . The method of claim 1 , wherein the wireless communication circuit is a Near Field Communication (NFC) and at least one of the wireless communication tag and the wireless communication reader are a NFC tag and a NFC reader respectively.

3 . The method of claim 1 , further comprising:
retrieving information associated with the payment area; determining a payment required for the vehicle to enter the payment area or obtain services in the payment area based on the retrieved information; connecting the processing device to a server of the payment area; and sending instructions from the processing device to the server of the payment area to proceed with paying the amount required.

4 . The method of claim 1 , wherein the payment area comprises one of a toll road, a rest stop service area, a refueling station, a parking area, and a park.

5 . The method of claim 1 , wherein the vehicle is a driver vehicle or a driverless vehicle; and wherein the driverless vehicle is a driverless automobile or a drone.

6 . The method of claim 1 , wherein the processing device is a mobile device comprising a cell phone or a smart phone.

7 . The method of claim 1 , wherein the processing device establishes a communication link with a payment area server in accordance with communication configuration information received by the wireless communication circuit via the wireless communication link.

8 . The method of claim 1 , wherein the payment transaction is a payment card transaction.

9 . The method of claim 1 , wherein the processing device includes at least one of a credit card number, a debit card number, a bank account number, and a payment account number associated with the payment area.

10 . The method of claim 3 , further comprising receiving confirmation of payment from the payment area server with the processing device.

11 . A system comprising:
a computer storage storing information comprising a payment area, one or more vehicles associated with a wireless communication device, and one or more wireless communication devices associated with one or more payment card holders; and a processor coupled to the computer storage operable to: receive information from the wireless communication device involving a payment card holder initiating a payment card transaction at the payment area; wherein a wireless communication circuit is communicatively coupled to the wireless communication device, the wireless communication circuit including at least one of a wireless communication tag and a wireless communication reader to receive or selectively provide wireless connectivity data from or to the payment area via a wireless communication link; determine a numeric or alphanumeric code on a vehicle registration plate of a vehicle bearing the wireless communication device that is approaching the payment area; determine a numeric or alphanumeric identification of the wireless communication device; compare the numeric or alphanumeric code on the vehicle registration plate with the numeric or alphanumeric identification of the wireless communication device to determine whether or not an association exists between the vehicle and the wireless communication device; and assess the determined association to facilitate determining whether a payment transaction using the wireless communication device is valid or invalid.

12 . The system of claim 11 , wherein the wireless communication circuit is a Near Field Communication (NFC) and at least one of the wireless communication tag and the wireless communication reader are a NFC tag and a NFC reader respectively.

13 . The system of claim 11 , wherein the payment area comprises one of a toll road, a rest stop service area, a refueling station, a parking area, and a park.

14 . The system of claim 11 , wherein the vehicle is a driver vehicle or a driverless vehicle; and wherein the driverless vehicle is a driverless automobile or a drone.

15 . The system of claim 11 , wherein the wireless communication device is a cell phone or a smart phone.

16 . The system of claim 11 , wherein the wireless communication device establishes a communication link with a payment area server in accordance with communication configuration information received by the wireless communication circuit via the wireless communication link.

17 . The system of claim 11 , wherein the payment transaction is a payment card transaction.

18 . The system of claim 11 , wherein the wireless communication device includes at least one of a credit card number, a debit card number, a bank account number, and a payment account number associated with the payment area.

19 . A non-transitory machine-readable medium comprising a plurality of machine-readable instructions which when executed by one or more processors of a server are adapted to cause the server to perform a method comprising:
determining a numeric or alphanumeric code on a vehicle registration plate of a vehicle bearing a processing device that is approaching a payment area; wherein a wireless communication circuit is communicatively coupled to the processing device, the wireless communication circuit including at least one of a wireless communication tag and a wireless communication reader to receive or selectively provide wireless connectivity data from or to the payment area via a wireless communication link; determining a numeric or alphanumeric identification of the processing device; comparing the numeric or alphanumeric code on the vehicle registration plate with the numeric or alphanumeric identification of the processing device to determine whether or not an association exists between the vehicle and the processing device; and assessing the determined association to facilitate determining whether a payment transaction using the processing device is valid or invalid.

20 . The non-transitory machine-readable medium of claim 19 , wherein the wireless communication circuit is a Near Field Communication (NFC) and at least one of the wireless communication tag and the wireless communication reader are a NFC tag and a NFC reader respectively.

Assignees

• Mastercard International Inc

Inventors

• Ghosh Debashis

Classifications

• H04B5/70

  specially adapted for specific purposes · CPC title

• H04B5/20

  characterised by the transmission technique; characterised by the transmission medium · CPC title

• G06Q20/3278 Primary

  RFID or NFC payments by means of M-devices · CPC title

• G06Q20/3226

  Use of secure elements separate from M-devices · CPC title

• G07B15/00

  Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points (handling coins or valuable papers, e.g. banknotes, G07D; apparatus for vending or hiring articles or services activated by coins, credit cards, paper currency or the like G07F7/00, G07F17/00) · CPC title