Wireless payment transaction in vehicle environment

• Main Authors: BRIAN WALTER, ROBERT P. EATON, MICHAEL SENESKI, MICHAEL ROBERT TINSKEY
• Format: Patent
• Language: Chinese; English
• Published: 20.10.2017
• Subjects: CALCULATING; COMPUTING; COUNTING; DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES; ELECTRIC COMMUNICATION TECHNIQUE; ELECTRICITY; PHYSICS; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR; TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHICCOMMUNICATION; WIRELESS COMMUNICATIONS NETWORKS

The disclosure relates to wireless payment transactions in a vehicle environment. A wireless transaction request may be received by a vehicle from a retailer. The vehicle may validate that the vehicle is located in proximity to the retailer and may receive confirmation of the request from a vehicle occupant. The vehicle may also initiate a payment for the transaction with a server, responsive to the confirmation of the request and validation of the vehicle location. Communications between the vehicle and the retailer may be performed using Dedicated Short Range Communications (DSRC). The identity of the vehicle occupant may be confirmed using biometric sensors. The payment transaction may be performed using the Automated Clearing House (ACH) electronic network to avoid credit card interchange fees. 本公开涉及种车辆环境中的无线支付交易。车辆从商家接收无线交易请求。车辆可验证车辆位于商家附近且可从车辆乘员接收对无线交易请求的确认。车辆还可响应于对无线交易请求的确认和车辆位置的验证而发起用于与服务器之间的交易的支付。车辆与商家之间的通信可使用专用短程通信(DSRC)来被执行。车辆乘员的身份可使用生物计量传感器来被确认。支付交易可使用自动清算所(ACH)电子网络来被执行，以避免信用卡交换费用。