In-Vehicle Mobile Transaction Security via Geolocation

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Solution Overview

Problem

Existing in-vehicle mobile transaction systems require physical interaction and expose users to weather elements, are inconvenient due to vehicle size or height issues, and may compromise personal information security.

Innovation Solution

A mobile client system that initiates a wireless communication with a transaction system, receives a digital certificate with embedded geographic location, establishes an encrypted communication channel, and allows users to perform transactions using a graphical user interface within the vehicle, minimizing physical interaction and ensuring security.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If physical exchange of financial instruments and button selections are used, then transaction functionality is achieved, but user comfort deteriorates due to weather exposure and physical interaction requirements

Engineering Contradiction:

Improvetransaction convenienceVSAvoidweather exposure

Core Design Contradiction:

Ease of operationVSObject-affected harmful factors

Solution Approach 1:

The patent replaces mechanical interactions (physical card exchange, manual button pressing) with wireless communication technology. The mobile device automatically communicates with the transaction system via wireless signals, eliminating the need for physical contact between the user and transaction equipment, thereby protecting users from weather exposure while maintaining transaction functionality.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The system enables self-service transactions where the mobile device automatically performs authentication and transaction processing without requiring manual intervention. The device uses stored credentials and automated communication protocols to complete transactions, reducing the need for physical interaction with transaction equipment.

Inventive Principle:

Principle #25Self-service

2Productivity

If physical interaction with transaction system is required, then transaction can be completed, but user convenience deteriorates due to vehicle size or height constraints

Engineering Contradiction:

Improvetransaction completionVSAvoidvehicle accessibility

Core Design Contradiction:

ProductivityVSEase of operation

Solution Approach 1:

The patent eliminates mechanical interaction requirements by using wireless communication between the mobile device and transaction system. This allows users in vehicles of any size or configuration to complete transactions without needing to reach, see, or physically interact with transaction equipment, solving accessibility issues related to vehicle dimensions.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

3Device complexity

If open transaction interface is used, then transaction processing is simplified, but information security deteriorates due to potential viewing by unknown persons

Engineering Contradiction:

Improvetransaction interfaceVSAvoidinformation security

Core Design Contradiction:

Device complexityVSReliability

Solution Approach 1:

The patent introduces the mobile device as an intermediary between the user and the transaction system. Sensitive information such as credentials and transaction details are processed and displayed only within the secure environment of the mobile device, preventing unauthorized viewing while maintaining smooth transaction processing. The mobile device acts as a private communication channel.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The replacement of physical card readers and open interfaces with wireless digital communication enables secure transmission of information. Encryption and authentication protocols embedded in the wireless communication system protect information security while maintaining transaction efficiency.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Data Source

PatentUS9047602B2In-vehicle mobile transactions

Publication Date: 2015.06.02 GM GLOBAL TECHNOLOGY OPERATIONS LLC

AI summary

A mobile client system initiates a wireless communication with a transaction system and receives a digital certificate from the transaction system in response. The digital certificate includes an embedded geographic location of the transaction system. The mobile client system also compares the geographic location of the transaction system with a current geographic location of the mobile client system and establishes an encrypted communication channel with the transaction system upon determining that the location of the transaction system is in proximity of the current location of the mobile client system. The mobile client system further sends the user credentials to the transaction system via the encrypted communication channel. Upon successful authentication of the mobile client system via the user credentials, the mobile client system performs a transaction with the transaction system using a graphical user interface of the client system.