Electronic Fuel Code Generation for Contactless Payment Validation
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Solution Overview
Problem
Existing fuel purchasing systems require individuals to physically present a tender instrument at a filling station, which can be inconvenient, and do not efficiently facilitate online fuel purchases or validate payments without physical card presence.
Innovation Solution
Generating redeemable electronic fuel codes that can be encrypted and transmitted to users, allowing for secure online fuel purchases and validating fuel payments using a unique security PIN associated with a phone number, eliminating the need for physical payment instruments at the fuel point of sale.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If physical tender instruments are required at fueling stations, then payment validation is secure, but user convenience and online purchasing capability are reduced
Solution Approach 1:
The patent creates electronic copies of fuel purchase authorizations in the form of redeemable codes that can be transmitted digitally. These codes contain all necessary payment and dispensing information, replacing the need for physical card presence while maintaining secure validation through encrypted code redemption at the pump
Solution Approach 2:
The system introduces an intermediary redeemable code that mediates between the online purchase transaction and the physical fuel dispensing. The code serves as a secure token that carries payment authorization information, enabling validation without direct physical instrument presentation
2Ease of operation
If online fuel purchasing is enabled, then user convenience is improved, but payment validation complexity increases
Solution Approach 1:
The payment and dispensing process is segmented into distinct phases: online purchase authorization, code generation and transmission, code redemption at pump, and fuel dispensing. This segmentation allows each component to be independently optimized and validated, reducing overall system complexity despite enabling online purchasing
3Productivity
If physical cards are required at the pump, then payment security is maintained, but operational efficiency is reduced
Solution Approach 1:
Payment authorization is performed in advance during the online purchase transaction. The redeemable code is generated with pre-validated payment information, eliminating the need for card presentment and authentication at the pump. This preliminary action significantly speeds up the dispensing process while maintaining security through the encrypted code
Data Source
AI summary
Methodologies, systems, and computer-readable media are provided for generating redeemable electronic fuel codes and validating fuel payments at a fuel point of sale terminal. An enterprise can be configured to receive an indication of fuel purchase request and can request authorization from a financial institution or account associated with at least one individual. If the payment is authorized, the enterprise can generate a purchase authorization for the amount of fuel requested and create an encrypted electronic fuel code that can be transmitted to the individual and used for redeeming fuel at a fuel point of sale terminal associated with the enterprise. An enterprise can be configured to sell fuel to at least one individual using a phone number and a unique security PIN at a fuel point of sale terminal, such that the at least one individual is billed for the fuel purchase via their phone service provider.