METHOD AND SYSTEM FOR AUTOMATIC EXECUTION OF PAYMENT TRANSACTIONS IN A VEHICLE
Patent Information
- Authority / Receiving Office
- DE · DE
- Patent Type
- Patents
- Current Assignee / Owner
- BAYERISCHE MOTOREN WERKE AG
- Filing Date
- 2016-05-31
- Publication Date
- 2026-07-23
AI Technical Summary
Existing payment systems in vehicles lack flexibility and convenience for cashless transactions, requiring user confirmation and input for each transaction.
A system and method that records payment information from a user, stores it in a memory linked to their identity, and authorizes automatic transactions based on a payment signal without further user input, using identity verification and communication links to execute payments securely.
Enables secure and flexible automatic payment processes in vehicles, allowing multiple users to be identified and transactions to be executed conveniently and efficiently without additional infrastructure.
Smart Images
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Abstract
Description
[0001] The invention relates to a method and a system for automatically carrying out payment transactions in a vehicle with a payment device.
[0002] The importance of cashless payment transactions has increased significantly in business transactions, as these allow for flexible and secure transactions of monetary value. Combined with mobile devices designed to carry out cashless payments, or the use of internet services that offer cashless payment options, it is now possible to purchase or use goods and / or services anytime, anywhere, and in any situation.
[0003] In the automotive sector, cashless payment transactions have so far played a role primarily in toll systems, in which a distance traveled is recorded and the corresponding toll is charged.
[0004] EP 1 477 936 A2 relates to a toll payment system with a communication terminal installed in the vehicle for communication via a mobile network, a control device for user authentication and a payment communication processing device for communication and payment processing with an external payment management system.
[0005] EP 0 780 801 A1 relates to a method and devices for the contactless use and settlement of electronic payment methods. The method is implemented in particular via radio using a mostly stationary query transmitter and a portable transponder or an autonomous user-side device.
[0006] One objective of the invention is to make carrying out payment transactions in a vehicle more flexible and thereby increase comfort.
[0007] According to a first aspect of the invention, in a method for automatically carrying out payment transactions in a vehicle equipped with a payment device, payment information, in particular credit card data, account information, access data of a payment service (i.e., an internet service that performs cashless payment transactions, etc.), of at least one user is recorded, and the recorded payment information of the at least one user is stored in a payment information memory, in particular a database, in which the payment information is linked to the user, in particular their identity. Furthermore, an interface of the payment device is monitored for the receipt of a payment signal, in particular a payment request, wherein the payment signal comprises at least one payee and an amount to be paid, which is particularly likely to result from the use of a service or the purchase of goods.Furthermore, the payment of the amount due is authorized to the payee, in particular by the payment device, and the payment of the amount due to the payee is instructed via an initial communication link using the payment information stored in the payment information memory, once the payment has been authorized.
[0008] The invention is based in particular on the approach of capturing payment information of a vehicle user, especially an occupant or passenger, preferably the driver, and storing it in a payment information memory, so that a payment device or a vehicle equipped with the payment device can automatically, i.e., autonomously or continuously, carry out payment transactions, i.e., monetary transactions, in particular without confirmation and / or input and / or authorization from the user. Preferably, the payment device or a vehicle equipped with the payment device can automatically settle, i.e., pay, the costs incurred through the use of services and / or the purchase of goods, i.e., the amounts payable, in particular directly upon incurrence of the amount payable.For this purpose, the user preferably only needs to enter their payment information once, in particular into the payment device or into a terminal communicating with the payment device or the payment information storage system, i.e., a terminal in communicative connection with the payment device or the payment information storage system, for example a mobile device with a radio interface, so that the payment information is stored in the payment information storage system, in particular a database, and can preferably be retrieved by the vehicle or the payment device to execute an automatic payment transaction.
[0009] The payment process is initiated by a payment signal, which includes at least one payee and an amount to be paid, and which is received at an interface of the payment device. The payment signal is generated, in particular, by the use of a service and / or the purchase of goods. The payment device authorizes the payment of the amount to be paid to the payee without any action, in particular confirmation, from the user, and instructs the payment of the amount to be paid, based on the payment information of the identified user, via an initial communication link, in particular a wireless internet connection, such as a mobile network, for example by debiting a credit card and / or account of the user and / or instructing a payment service, such as an internet service, to settle the amount to be paid from the user's account.
[0010] Overall, the invention enables a convenient and secure payment transaction.
[0011] In an advantageous embodiment, at least one identifying characteristic of the at least one user is captured together with the payment information and stored together with the payment information in the payment information storage, in particular in a database. Furthermore, an identifying characteristic of a user in the vehicle is checked, in particular captured, to identify this user, and the at least one checked, in particular captured, identifying characteristic of the user in the vehicle is compared with the at least one identifying characteristic stored in the payment information storage. Finally, the payment of the amount due to the payee is authorized if the at least one captured identifying characteristic of the user in the vehicle matches at least one identifying characteristic stored in the payment information storage substantially, i.e.,within specified tolerances, and the payment of the amount due to the payee is instructed via a communication link using the payment information of the user identified by at least one verified identity feature, if the payment has been authorized.
[0012] Verifying the user's identity using at least one identifying characteristic makes the use of the payment information stored in the payment information repository—which can be a database and in which the user's payment information is preferentially linked to the user's identifying characteristic—and thus the automatic payment process particularly secure. Furthermore, verifying at least one identifying characteristic of the user in the vehicle results in a particularly high degree of flexibility for the automatic payment process, since, in particular, the use of services and / or the purchase of goods can be charged to different or multiple users, for example, the respective driver identified by the identifying characteristic.
[0013] In a further advantageous embodiment, at least one identifying characteristic of the user in the vehicle is determined using a vehicle key and / or an application of a mobile device and / or a password and / or facial recognition and / or speech recognition and / or a fingerprint.
[0014] Preferably, a user's payment information, particularly that of the vehicle owner, is linked to the vehicle key and / or to a radio signal that can be transmitted from the vehicle key to the payment device or the vehicle equipped with the payment device, specifically in the payment information storage. When a user unlocks or starts the vehicle using the vehicle key, the payment information linked to the vehicle key, particularly that of the vehicle owner, is used to carry out automatic payment transactions.
[0015] Preferably, the application on a mobile device, such as a smartphone or tablet, can establish a communication connection, for example via a wireless interface, with the payment device or the vehicle equipped with the payment device and transmit an identifier, such as the user's name. The user preferably registers in the application or stores the identifier in the application or on the mobile device. This allows the payment device to easily manage and identify different users.
[0016] Preferably, the user enters a password, in particular into a mobile device or application on the mobile device that is in communicative contact with the payment device or the vehicle equipped with the payment device, and / or into the payment device itself, which identifies them. Specifically, the password is the identifying feature and is linked to the user's payment information in the payment information storage.
[0017] Preferably, the payment device or the vehicle equipped with the payment device has at least one sensor device configured to perform facial and / or voice recognition of a user, in particular the driver, or to determine at least one identifying characteristic based on facial and / or voice recognition. This allows different users of the vehicle to be identified particularly securely, i.e., their identifying characteristics to be recorded. Preferably, the facial and / or voice recognition is performed automatically, in particular after the vehicle is unlocked and / or started, so that the identifying characteristic of the user is determined directly at the beginning of a journey and is available for carrying out automatic payment transactions.
[0018] In a further advantageous embodiment, at least one identifying characteristic of the user in the vehicle is determined by means of a fingerprint, wherein the fingerprint is captured by a fingerprint sensor integrated into a start / stop button of the vehicle and / or into a touch-sensitive display of the payment device. Preferably, the touch-sensitive display of the payment device is a central information display (CID) in a head unit of the vehicle. This allows at least one identifying characteristic of the user, in particular the driver, to be captured automatically when the vehicle is started and / or when a vehicle function, for example a radio and / or a navigation system, is operated. This provides a particularly convenient way to determine a user's identity, so that the payment device or...The vehicle equipped with the payment device can carry out payment transactions without any additional effort, i.e., without any action required from the user.
[0019] In a further advantageous embodiment, the payment information includes credit card data and / or bank account data and / or payment service data. In particular, the payment information includes the user's name and / or credit card number and / or bank account number or IBAN and / or the name of their financial institution and / or data that can be used with a payment service, especially access data for an internet service that executes cashless payments, and / or chip card data, especially chip-enabled debit card data. This clearly defines the payment methods that can be used to automatically execute the payment transaction. Preferably, the payment information includes data for more than one payment method, i.e., more than one payment modality, so that the payment of an amount due is instructed using one of the more than one payment method based on the amount due.Small amounts can be debited from a chip card, for example, while the credit card is debited with moderate amounts and the user's account only with large amounts. This makes the automatic payment process particularly flexible.
[0020] In a further advantageous embodiment, the payment device is designed as a payment terminal for reading a cashless payment instrument. In particular, the payment terminal is configured to read a credit card and / or a debit card or EC card and / or a user's prepaid card. Preferably, the user is prompted to enter the payment signal upon receipt of the card.At the interface of the payment device, in particular by the payment device, especially by an optical and / or acoustic signal, for example a message on a display of the payment device, the user is prompted to have a, in particular specified, cashless payment method read by the payment terminal, so that the payment device can authorize the amount to be paid to the payee and instruct a payment of the amount to be paid based on the payment information, which is recorded in particular by the payment terminal reading the cashless payment method.
[0021] In a further advantageous embodiment, the recording and storage of the payment information of at least one user in the payment information memory is achieved by reading a cashless payment instrument using the payment terminal. This allows the user to record their payment information particularly easily and effortlessly and have it stored in the payment information memory. In particular, it is not necessary for the user to manually enter, especially type in, their payment information. This reliably prevents errors when recording the payment information.
[0022] In a further advantageous embodiment, the payment signal is generated by using third-party services and / or purchasing goods and / or activating vehicle functions. In particular, the payment signal is generated when a user, especially a vehicle occupant, such as the driver, purchases or orders goods via an internet-enabled system or component of the vehicle, for example, cinema or theater tickets on the way to the cinema or theater, or vehicle accessories, especially from the online shop of their vehicle manufacturer. Costs for services can arise, for example, when the user activates audiobooks, music, TV shows, films, eBooks, etc., from an online media service, or vehicle functions, especially navigation, traffic monitoring, performance enhancement, etc., from their vehicle manufacturer.
[0023] Preferably, the payment signal is generated location-dependently, in particular at a payment point, i.e., when using drive-through or drive-by services or by means of drive-by or drive-through devices, for example when entering and / or exiting a parking garage or parking lot, when using a toll road with toll booths, when refueling at a fuel dispenser, when washing a car in a car wash, when purchasing food in a catering establishment with a street-side food counter, etc.
[0024] In a further advantageous embodiment, at least one vehicle function is activated based on the verification of at least one user's identity feature in the vehicle for user identification. In particular, different vehicle functions are activated or deactivated for different users, and the payment signal is generated based on the activated vehicle functions, so that any costs incurred can be paid automatically. This allows, for example, sub-functions of a highly automated, i.e., autonomous, driving system to be activated in a target-group-specific manner, i.e., depending on the users' needs. Alternatively or additionally, a speed limit can, for example, be set depending on the driver's age.
[0025] In a further advantageous embodiment, the payment signal is received by the interface via the first communication link or a second communication link. The payment signal preferably arrives via the first communication link, in particular a (wireless) internet connection, when the user accesses, purchases, and / or orders services and / or goods via the internet. After the payment device authorizes the payment of the amount to be paid to the payee, the payment instruction is also issued via the first communication link. Specifically, the payment information is transmitted to the service and / or goods provider, for example, an online shop or an online media service, via the first communication link.
[0026] The payment signal can also be received via the first communication link if it is generated locally, meaning the user, payment device, or vehicle equipped with the payment device uses a location-based service with a payment point. The payment point, for example, a toll booth or parking meter, transmits the amount due to the payment device via the first communication link, particularly a short-range radio link. In response, the payment device, after authorization based on the user's payment information transmitted via the first communication link, initiates payment of the amount due. The payment point can then use this information to pay the outstanding amount.
[0027] The payment signal is preferably received via the second communication link, in particular a short-range radio link, if the payment signal is generated location-dependent, i.e., if the user, the payment device, or the vehicle equipped with the payment device uses a location-based service with a payment point, in particular a toll road with toll booths, a parking garage or lot with a parking meter, etc. In this case, the user's financial institution or a payment service is instructed to pay the payee the amount due via the first communication link, in particular a (wireless) internet connection.
[0028] According to a second aspect of the invention, a system for automatically executing payment transactions in a vehicle comprises a first module configured to capture payment information from at least one user and a payment information memory configured to store the captured payment information of the at least one user. The system further comprises a vehicle with a payment device, the payment device having at least one interface and being configured to monitor the at least one interface for the receipt of a payment signal, wherein the payment signal includes at least one payee and an amount to be paid, and is furthermore configured to authorize payment of the amount to be paid to the payee.Furthermore, a second module is set up to instruct the payment of the amount to be paid to the payee based on the payment information stored in the payment information memory via an initial communication link once the payment has been authorized.
[0029] In an advantageous embodiment, the vehicle includes, in addition to the payment device, the first module, the payment information storage unit, and the second module. In particular, the first module, the payment information storage unit, and the second module are part of, or encompassed by, the payment device. This allows the payment device, or the vehicle equipped with the payment device, to execute automatic payment transactions completely autonomously. Specifically, no additional infrastructure is required for a system to carry out automatic payment transactions.Preferably, the payment device is configured to initiate payment of the user's amount due, in response to the receipt of the payment signal, by instructing the user to debit an account and / or a credit card and / or a debit card with the amount due, based on the user's payment information, via the first communication link directly to the user's financial institution or at a fixed payment point.
[0030] In a further advantageous embodiment, the first module is configured to capture at least one identity feature of at least one user together with the payment information, and the payment information storage is configured to store the at least one captured identity feature of the at least one user together with the payment information. The vehicle includes a third module configured to verify an identity feature of a user in the vehicle, and a fourth module configured to compare the at least one verified identity feature of the user in the vehicle with the at least one identity feature stored in the payment information storage.The payment device is furthermore configured to authorize payment of the amount to the payee if the at least one recorded user identifier in the vehicle substantially matches at least one identifier stored in the payment information memory, and the second module is configured to instruct payment of the amount to be paid to the payee via the first communication link using the payment information of the user identified by the at least one verified identifier, once the payment has been authorized. User identification, i.e., by verifying the at least one identifier and subsequently comparing it with the identifiers stored in the payment information memory of all eligible users or users authorized to use the payment device, is achieved.For the intended user, the automatic execution of a payment transaction is particularly secure. Specifically, this allows multiple, i.e., different, users to be identified and / or to use the payment device, i.e., to have payment transactions carried out automatically, especially by the payment device or the vehicle equipped with the payment device. The automatic payment transaction is preferentially carried out at the expense of the respective identified user, especially the driver.
[0031] In a further advantageous embodiment, the payment information storage device, the first module, and the second module are provided in a central computer system, which is connected to the vehicle via the first communication link. Preferably, the user can enter their payment information on a mobile device, such as a smartphone or tablet, which is in communicative contact with the central computer system. The payment information is then stored in the payment information storage device. Alternatively or additionally, the user can also enter their payment information in the payment device in the vehicle, which then transmits the payment information to the central computer system via the first communication link, where the payment information is recorded and stored in the payment information storage device.
[0032] When a payment signal received at the interface of the payment device is authorized by the payment device, it preferably sends a corresponding notification, in particular including the amount to be paid and the payee, via the first communication link, especially an internet connection, to the central computer system, so that the payment can be initiated there, also via the first communication link. Preferably, the corresponding notification is the payment signal; that is, after authorization by the payment device, the payment signal is forwarded to the central computer system via the first communication link.
[0033] Preferably, after the amount to be paid and the payee have been transmitted to it via the first communication link, particularly as part of the notification, the central computer system checks a certificate from the payment device. More preferably, the certificate is transmitted to the central computer system together with the amount to be paid and the payee, in particular the payment signal. If the certificate is verified by the central computer system, i.e., the check is successful, the central computer system or the second module instructs the payment of the amount to be paid to the payee based on the user's payment information. This system is particularly secure because, during the automatic payment process, the payment information does not need to be sent by the payment device in the vehicle, especially not via a potentially insecure wireless internet connection.
[0034] In a further advantageous embodiment, the first communication link and / or the second communication link is an internet connection, particularly a wireless one, especially a mobile network, and / or a wireless network connection (WLAN), and / or a near-field communication link, and / or power line communication (PLC). This allows the payment signal to be received by the payment device or the vehicle equipped with the payment device when the payment signal is generated or sent by an online shop and / or online media service and / or a fixed payment point. Likewise, this allows the instruction to pay the amount due to the payee to be issued to the user's financial institution and / or a payment service, particularly an internet service that executes cashless payment transactions, and / or a fixed payment point, based on the user's payment information.Furthermore, this allows the payment signal, in particular the amount to be paid to the payee, possibly together with the certificate, to be sent from the payment device or the vehicle equipped with the payment device to the central computer system. This ensures that the payment device or the vehicle equipped with the payment device can carry out automatic payment transactions regardless of location.
[0035] The features and advantages described in relation to the first aspect of the invention and its advantageous embodiment also apply to the second aspect of the invention and its advantageous embodiment, and vice versa.
[0036] Further features, advantages, and applications of the invention will become apparent from the following description in conjunction with the figures. These figures show, at least partially schematically:
[0037] Fig. 1 an embodiment of a method for automatically carrying out payment transactions;
[0038] Fig. 2. A first embodiment of a system for the automatic execution of payment transactions; and
[0039] Fig. 3 a second embodiment of a system for the automatic execution of payment transactions.
[0040] Fig. Figure 1 shows an embodiment of a method 100For the automated execution of payment transactions in a vehicle equipped with a payment device. In a first step (S1), the payment information of a user, in particular the vehicle owner and / or the driver and / or an occupant or passenger of the vehicle, is recorded. The payment information pertains to data that can be used to carry out payment transactions. This includes, in particular, credit card data and / or bank account data and / or debit card data and / or payment service data, especially access data of a (Internet) service provider executing the payment transactions.
[0041] The user's payment information can be entered into the payment device and / or a mobile device that is in communicative contact with the payment device, and can be recorded in this process, in particular by a first module which may be part of the payment device.
[0042] After the payment information is captured, in a second step (S2) the captured payment information is stored in a payment information memory. This payment information memory can be configured as a database or comprise a database in which the payment information of multiple users is stored. This makes it possible to automatically execute payment transactions in the vehicle, based on the payment information of the user of the payment device or the vehicle equipped with the payment device, particularly the driver.
[0043] In a third step, S3, an interface of the payment device is monitored for the receipt of a payment signal, or the receipt of a payment signal is registered. The payment signal includes, in particular, an amount to be paid and a payee, and is generated by the purchase of goods and / or the use of a service by the user and / or the payment device or the vehicle equipped with the payment device. The payment signal can, in particular, be a payment request or instruction from a third party, such as a merchant or seller and / or a service provider. A payment signal is generated, for example, when the user makes a purchase in an online shop or unlocks media on an online media service via a component of the vehicle, especially an internet-enabled one, such as the vehicle's multimedia terminal.A payment signal is generated when the vehicle streams and / or downloads content, or purchases or uses a product or service related to the vehicle from the manufacturer's online portal. A payment signal is also generated, particularly automatically, when the vehicle uses a paid service, such as driving on a toll road or using a paid parking space or garage.
[0044] The payment signal can be transmitted or sent via a physical and / or wireless first or second communication link, in particular an internet connection, for example via a mobile network, or a radio link with limited range, for example Bluetooth or near field communication (NFC) or wireless network connection (WLAN) or ultra-wideband technology (UWB), or a carrier frequency link, for example power line communication (PLC), in particular to the payment device or the vehicle equipped with the payment device.
[0045] In a fourth step (S4), the payment of the amount due to the payee, as known from the payment signal, is authorized by the payment device. This means that the costs incurred in purchasing goods and / or using a service may be settled using the user's payment information, in particular by debiting their credit card and / or bank account and / or debit card and / or through a payment service they use. The authorization may also include creating, generating, or retrieving a certificate that documents, indicates, or verifies the authorization, particularly of the payment process, by the payment device.
[0046] In a fifth step (S5), the payment of the amount due to the payee is instructed based on the user's payment information. The user's payment information, along with at least the amount due and the payee, and in particular the payment signal, can be transmitted via the first communication link, preferably a wireless internet connection, to the user's financial institution, which then uses this information to carry out the necessary transactions at the user's expense. Alternatively, this information can be transmitted via the second communication link to a fixed payment point, in particular a toll booth, parking meter, or drive-by terminal, such as at a restaurant, which then carries out the necessary transactions at the user's expense.
[0047] It is also possible to send the certificate created, generated, or retrieved in step S4, along with at least the information about the amount to be paid and the payee, in particular the payment signal, via the first communication link. This allows, in particular, a payment service of the vehicle manufacturer, which can check and verify the certificate, to carry out, initiate, or authorize the necessary transactions at the user's expense. This is particularly secure because the user's payment information does not necessarily need to be transmitted, provided it is already available to the payment service.
[0048] Fig. Figure 2 shows a first embodiment of a system 1 for automatically carrying out payment transactions in a vehicle 2 The vehicle exhibits... 2 a first module 3 , a payment information storage system 4, a payment device 5 and a second module 6 up. With the first module 3 Can a user's payment information be captured and stored in the payment information store? 4 is stored. With the second module 6 A payment can be instructed to a recipient who has been authorized.
[0049] The vehicle 2 or the payment device 5 is set up to communicate via one or more communication links, in particular a first communication link 7 and, in the example shown, via two second communication links 8 to communicate, in particular to receive and / or send signals and / or data or information, especially such signals and / or data or information which relate to payment transactions or are connected with the processing of payment transactions.
[0050] The first communication link 7 This is configured as a wireless internet connection, particularly via a mobile network. The payment device 5 or rather, the thing with the payment device 5 equipped vehicle 2 is via the first communication link 7 with an online shop 9 in communicative connection, i.e., it can be done from the vehicle 2 Goods are purchased and / or the payment device 5 or rather, the thing with the payment device 5 equipped vehicle 2 can purchase goods automatically. Alternatively to the example shown, the online shop can 9 This could also include a service provider, in particular an online media service, whose services are provided by the user and / or the payment device. 5 or the one with the payment device 5 equipped vehicle 2 can be used.
[0051] When a product is purchased, i.e., in the online shop 9 When ordered, this generates a payment signal. 10 , which specifies the amount to be paid and the payee 9 , in the example shown, that is, the online shop 9 , in particular the account information of the payee 9 , includes. In response to receiving the payment signal. 10 into an interface of the payment device 5 will the payment be processed from the payment signal 10 the resulting amount payable to the recipient 9 authorized. The second module 6 then accesses the data in the payment information storage 4 The system retrieves the user's stored payment information and sends a corresponding instruction, in particular based on the user's payment information. 11, in particular a corresponding notification to the payee of the invoiced, i.e., the amount to be paid. 9 to pay to a financial institution 12 the user. Alternatively, the second module sends 6 the corresponding instruction 11 directly to the online shop 9 , i.e. the payee 9 , where the instruction 11 in particular the user's payment information from the payment information store 4 includes, so that the online shop 9 The user's credit card and / or account and / or user's debit card can be charged accordingly.
[0052] The second communication link 8 is known as Power Line Communication between the vehicle 2 and a charging station 13trained. In particular, Power Line Communication is a charging cable used to connect an electrical energy storage device in the vehicle. 2 can be charged. The charging station 13 captures the vehicle 2 transfers the amount of charge or energy and then generates the payment signal. 10 , which is transmitted to the payment device via power line communication 5 or rather, the thing with the payment device 5 equipped vehicle 2 is transmitted. Following this, as described in the last paragraph, the instruction to pay the amount due is sent to the payee. 13 , in this case the charging station 13 or their operators, via the first communication link 7 to the financial institution 12 sent.
[0053] It should be noted that the first communication link 7It does not necessarily have to be a wireless internet connection. In another embodiment, not shown, the first communication link is a power line communication link, over which the payment signal is transmitted. 10 and then the instruction 11 is transferred. This allows the payment information storage to be accessed. 4 The user's payment information is sent directly to the charging station that will invoice the amount due. 13 or whose operator is transmitted, which can thereby debit the user's credit card and / or bank account and / or debit card with the amount to be paid.
[0054] Fig. Figure 3 shows a second embodiment of the system. 1 for automatically carrying out payment transactions in a vehicle 2 with a payment device 5 The first module 3 , the payment information storage4 and the second module 6 are in a central computer system 14 (Backend), in particular a data center, especially of the vehicle manufacturer, which is provided via the first communication link 7 with the vehicle 2 is communicatly connected. In particular, the central computer system is 14 connected to the internet or has an internet connection.
[0055] The user's payment information is retrieved by the first module. 3 , for example, after being entered into an internet portal or a mobile device that connects to the central computer system via the internet 14 can communicate, or into the payment device 5 , recorded and stored in the payment information memory 4 Deposited. Receives the payment device. 5 or the vehicle 2 the payment signal 10, which is achieved by purchasing goods in the online shop 9 was generated, authorized payment device 5 the payment of the amount due to the payee 9 , and sends a corresponding notification 11‘ via the first communication link 7 to the central computer system 14 In particular, the payment signal 10 or the one from the payment signal 10 included the amount to be paid and the payee 9 to the central computer system 14 forwarded. The corresponding notification 11‘ It also contains or includes a certificate that authorizes the payment device. 5 verified. The certificate can be stored in a memory (not shown) of the vehicle. 2 or the payment device 5 present or from the payment device 5to be generated. In particular, the certificate identifies the payment device. 5 or the vehicle 2 .
[0056] The second module 6 indicates based on the notification 11‘ the payment of the amount due to the payee 9 , especially after the certificate has been verified. This involves the payment information storage. 4 Payment information of the user contained via the first communication link 7 , i.e., the internet connection to which the payment signal is sent. 10 online shop 9 transmitted so that the user's credit card and / or bank account and / or debit card can be charged the amount due. Alternatively, the second module indicates 6 the financial institution 12 the user or a payment service used or authorized by the user via the first communication link 7with the payment of the amount to be paid to the payee 9 to.
[0057] In the Fig. In the embodiment shown in 3, a number point is used. 14 , in particular a parking meter or toll booth or other drive-by or drive-through device, for example a catering establishment with street-side food service, which uses the second communication link 8 , which is designed as a wireless radio connection, for example Bluetooth, near field communication (NFC) or WLAN, with the vehicle 2 or the payment device 5 can communicate. The payment signal 10 is generated particularly when using a service, for example, using a paid parking garage or lot or a toll road, and when the vehicle drives past. 2 at the payment point 14via the second communication link 8 to the payment device 5 or the vehicle 2 transferred. In response, the payment device authorizes. 5 the payment of the amount due to the payee 14 , in this case the payment point 14 or its operator, and sends a corresponding notification. 11‘ to the central computer system 14 , so that the second module 6 the payment of the amount due based on the information stored in the payment information store 4 Payment information of the user contained therein, especially at the financial institution 12 of the user, to the payee 14 can instruct. Reference symbol list 1. System for automatically processing payment transactions 2 vehicles 3 First Module 4 Payment information storage 5 Payment device 6 Second Module 7 First communication link 8 Second communication link 9 online shop 10 Payment signal 11 Instruction 11' Notification 12 Financial institutions 13 charging stations 14 Paypoint 100 methods for automatically processing payments S1 Recording payment information S2 Storing payment information S3 Monitoring an interface S4 Authorizing a payment of an amount due to a payee S5 Instructing a payment of an amount to be paid to a payee QUOTES INCLUDED IN THE DESCRIPTION
[0058] This list of documents cited by the applicant was automatically generated and is included solely for the reader's convenience. The list is not part of the German patent or utility model application. The DPMA accepts no liability for any errors or omissions. Cited patent literature
[0059] EP 1477936 A2
[0004] EP 0780801 A1
[0005]
Claims
[1] Procedure ( 100 ) for automatically carrying out payment transactions in a vehicle ( 2 ) with a payment device ( 5 ), showing the following steps: – Capture (S1) payment information of at least one user; – Storing (S2) the recorded payment information of at least one user in a payment information storage system ( 4 ); – Monitoring (S3) an interface of the payment device ( 5 ) upon receiving a payment signal ( 10 ), where the payment signal ( 10 ) at least one payee ( 9 , 13 , 14 ) and includes an amount to be paid; – Authorize (S4) the payment of the amount to be paid to the payee ( 9 , 13 , 14 ) through the payment device ( 5 ); and – Instructing (S5) the payment of the amount to be paid to the payee ( 9 , 13 , 14 ) using the information stored in the payment information storage ( 4 ) stored payment information via an initial communication link ( 7 ), if the payment has been authorized. [2] The method of claim 1, comprising the following steps: – Capture (S1) at least one identifying characteristic of at least one user together with the payment information; – Storing (S2) the at least one recorded identity feature of the at least one user together with the payment information in the payment information storage ( 4 ); – Checking at least one identifying characteristic of a user in the vehicle ( 2 ) to identify this user; – Verification of at least one verified user identification feature in the vehicle ( 2) with at least one in the payment information memory ( 4 ) stored identity feature; – Authorize (S3) the payment of the amount to be paid to the payee ( 9 , 13 , 14 ), if at least one recorded identifying characteristic of the user is present in the vehicle ( 2 ) with at least one in the payment information memory ( 4 ) substantially matches the stored identity characteristic; and – Instructing (S5) the payment of the amount to be paid to the payee ( 9 , 13 , 14 ) using the payment information of the user identified by at least one verified identity feature via the first communication link ( 7 ), if the payment has been authorized. [3] Procedure ( 100 ) according to claim 2, wherein the at least one user identification feature in the vehicle ( 2) is determined using a vehicle key and / or a mobile device application and / or a password and / or facial recognition and / or speech recognition and / or a fingerprint. [4] Procedure ( 100 ) according to claim 3, wherein the at least one user identification feature in the vehicle ( 2 ) is determined using a fingerprint, and the fingerprint is scanned by a person into a start / stop button of the vehicle and / or into a touch-sensitive display of the payment device ( 5 ) is detected by the integrated fingerprint sensor. [5] Procedure ( 100 ) according to any of the preceding claims, wherein the payment information includes credit card details and / or bank account details and / or payment service details. [6] Procedure ( 100 ) according to claim 1, wherein the payment device ( 5 ) is designed as a payment terminal for reading a cashless payment method. [7] Procedure ( 100 ) according to claim 6, wherein the acquisition (S1) of the payment information of at least one user and the storage of the acquired payment information of at least one user in the payment information storage ( 4 ) is achieved by reading a cashless payment method using the payment terminal. [8] Procedure ( 100 ) according to one of the preceding claims, wherein the payment signal ( 10 ) generated by using third-party services and / or purchasing goods and / or unlocking vehicle functions. [9] Procedure ( 100 ) according to claims 2 and 8, wherein at least one vehicle function is based on the verification of at least one identity feature of a user in the vehicle ( 2 ) is unlocked for the identification of this user. [10] Procedure ( 100 ) according to claim 8 or 9, wherein the payment signal ( 10) via the first communication link ( 7 ) or a second communication link ( 8 ) at the interface. [11] System ( 1 ) for automatically carrying out payment transactions in a vehicle ( 2 ), showing: – a first module ( 3 ) for capturing (S1) payment information of at least one user; – a payment information storage system ( 4 ) for storing (S2) the recorded payment information of at least one user; – a vehicle ( 2 ) with a payment device ( 5 ), wherein the payment device ( 5 ) has at least one interface and is configured to receive at least one payment signal ( 10 ) to monitor (S3), whereby the payment signal ( 10 ) at least one payee ( 9 , 13 , 14) and includes an amount to be paid, and a payment of the amount to be paid to the payee ( 9 , 13 , 14 ) to authorize (S4); and – a second module ( 6 ) to instruct (S5) the payment of the amount to be paid to the payee ( 9 , 13 , 14 ) based on the information stored in the payment information memory ( 4 ) stored payment information via an initial communication link ( 7 ), if the payment has been authorized. [12] System ( 1 ) for automatically carrying out payment transactions in a vehicle ( 2 ) according to claim 11, wherein the vehicle ( 2 ) next to the payment device ( 5 ) also the first module ( 3 ), the payment information storage ( 4 ) and the second module ( 6 ) exhibits. [13] System ( 1) for automatically carrying out payment transactions in a vehicle ( 2 ) according to claim 12, wherein the first module ( 3 ) is set up to capture at least one identifying characteristic of at least one user together with the payment information, and the payment information store ( 4 ) is set up to store at least one recorded identifying characteristic of at least one user together with the payment information, and the vehicle ( 2 ) further exhibits: – a third module, which is set up to store an identity feature of a user in the vehicle ( 2 ) to check; – a fourth module, which is designed to store at least one verified user identifier in the vehicle ( 2 ) with at least one in the payment information memory ( 4 ) to compare the stored identity feature, whereby the payment device ( 5) is set up to process the payment of the amount to the payee ( 9 , 13 , 14 ) to authorize if at least one recorded user identifier is present in the vehicle ( 2 ) with at least one in the payment information memory ( 4 ) essentially matches the stored identity characteristic, and the second module ( 6 ) is set up to process the payment of the amount to be paid to the payee ( 9 , 13 , 14 ) using the payment information of the user identified by at least one verified identity feature via the first communication link ( 7 ) to instruct when the payment has been authorized. [14] System ( 1 ) according to claim 11, wherein the payment information storage device ( 4 ), the first module ( 3 ) and the second module ( 6 ) in a central computer system ( 14) are provided, which is connected to the vehicle ( 2 ) is connected via the first communication link. [15] System ( 1 ) according to one of claims 11 to 14, wherein the first communication link ( 7 ) and / or the second communication link ( 8 ) an internet connection, in particular a wireless one, especially a mobile network, and / or a wireless network connection and / or a near field communication connection and / or a powerline communication.