EV Charging Payment Session Using Digital Wallet And ISO 15118

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Solution Overview

Problem

Existing electric vehicle charging systems face compatibility issues due to varying payment systems at different charging stations, requiring cumbersome registration processes and raising data privacy concerns when customers provide payment information to multiple charge point operators.

Innovation Solution

A computing system that enables a payment transaction for electric vehicles by storing a digital card identifier in a digital wallet, establishing a TCP/IP communication session with the charging point, selecting the appropriate digital card based on accepted payment methods, signing the transaction information, and initiating an ISO 15118 communication session for parallel charging session setup, allowing authorization and power delivery upon positive response.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If customers provide payment information to multiple charge point operators for charging at different stations, then charging compatibility is improved, but data privacy concerns increase and registration complexity increases

Engineering Contradiction:
Improvecharging compatibilityVSAvoiddata privacy concerns
Core Design Contradiction:
Adaptability or versatilityVSObject-affected harmful factors

Solution Approach 1:

The patent introduces a digital wallet as an intermediary between the customer and charge point operators. The digital wallet stores payment information and presents it to multiple CPOs, eliminating the need for customers to directly provide sensitive payment data to each operator. This mediator approach maintains charging compatibility while protecting customer data privacy.

Inventive Principle:
Principle #24Intermediary (Mediator)

2Adaptability or versatility

If customers provide payment information to multiple charge point operators, then charging compatibility is improved, but the number of registration steps increases

Engineering Contradiction:
Improvecharging compatibilityVSAvoidregistration complexity
Core Design Contradiction:
Adaptability or versatilityVSEase of operation

Solution Approach 1:

The patent implements preliminary action by pre-storing payment information in the customer's digital wallet before visiting any charging station. This allows the customer to simply present the digital wallet at any CPO without going through registration steps repeatedly, reducing operational complexity while maintaining compatibility.

Inventive Principle:
Principle #10Preliminary action

3Reliability

If separate payment systems are used at each charging station, then each station can operate independently, but system complexity increases and interoperability decreases

Engineering Contradiction:
Improveindependent operationVSAvoidpayment system complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The patent applies universality by designing the digital wallet to work with multiple different charge point operators through a standardized interface. The wallet can present payment information in a format that various CPOs can understand, allowing independent operation of each station while reducing overall system complexity through a common communication protocol.

Inventive Principle:
Principle #6Universality (Multi-functionality)

Data Source

PatentUS20250272769A1System and methods for electric vehicle charging via a parallel session payment transaction
Publication Date: 2025.08.28 MASTERCARD INT INC
  • US20250272769A1 patent drawing
  • US20250272769A1 patent drawing
  • US20250272769A1 patent drawing

AI summary

Techniques for enabling a payment transaction for charging an electric vehicle (EV) at a charge point (CP) are disclosed. The techniques include storing a digital card identifier (ID) in a digital wallet of the EV, wherein the digital card ID is associated with a primary account number (PAN) associated with a payment account. Upon connection to the CP, the EV establishes a TCP/IP session and receives transaction information, including a CPID and a list of payment methods. The EV selects the digital card ID based on the accepted payment methods and signs the transaction information using a private key. The signed transaction data, including the digital card ID, is transmitted to the CP. In parallel, the EV initiates an ISO 15118 session for charging setup and monitors for an authorization response, and upon approval, charging power is delivered to the EV.