Mechanism For Secure In-Vehicle Payment Transaction

摘要

Embodiments use a vehicle as a payment instrument to complete a payment transaction. A vehicle interface device (VID) coupled to the vehicle is used for transmitting payment account information to a merchant access device. The VID may be registered to the specific vehicle identification number (VIN) of the vehicle. Prior to transmitting the payment account information to the merchant access device, the VID may ensure that a mobile communication device is within the vehicle and/or that the VID is coupled to the correct vehicle. For example, the VID may compare the VIN of the vehicle to the VIN that is programmed to the VID. When the colocation of the VID with the mobile communication device and/or the correct vehicle is confirmed, the VID may forward payment account information to the merchant access device.

主权项

1. A method comprising:
receiving, at a vehicle interface device, a request for transaction account information from an external device; determining, by the vehicle interface device, that the vehicle interface device is located in a predetermined vehicle; determining, by the vehicle interface device, that a mobile communication device is located in the predetermined vehicle; and transmitting the transaction account information to the external device upon determining that the vehicle interface device and the mobile communication device are located in the predetermined vehicle.