Multi-Factor Authentication for Contactless Vehicle Transactions
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Solution Overview
Problem
Conventional vehicle transaction systems are inefficient, insecure, and pose health risks due to the need for physical interaction during payments, lacking control over transactions and exposure to fraud and viral transmission during pandemics.
Innovation Solution
Implementing a multi-factor authentication system that uses vehicle identification information (such as VIN, type, and license plate) and user identification information (like biometrics) to securely and efficiently complete transactions by comparing hashed data stored in a database, allowing for automatic enforcement of business rules and minimizing contact.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If physical payment methods (credit cards, cash, QR codes) are used in vehicle transactions, then the transaction can be completed, but the user is exposed to health risks from viral transmission and the transaction becomes time-consuming and inefficient
Solution Approach 1:
The patent replaces physical payment methods (mechanical contact-based systems) with contactless authentication systems. Specifically, it uses biometric authentication (fingerprint, facial recognition, voice recognition) and electronic key fob authentication to eliminate the need for physical card swiping, cash handling, or QR code scanning, thereby removing the mechanical contact that transmits viruses while maintaining transaction convenience
2Ease of operation
If RFID electronic toll collection system is used in vehicles, then contactless payment is achieved, but the system lacks security controls and allows unauthorized transactions
Solution Approach 1:
The patent merges multiple authentication factors into a unified security system. It combines vehicle identification (VIN, license plate recognition) with driver authentication (biometric or electronic key fob) and links these to pre-authorized payment methods. This multi-factor authentication approach ensures that only authorized drivers can initiate transactions, preventing unauthorized use while maintaining contactless operation
Solution Approach 2:
The patent introduces an intermediary authentication system between the vehicle and the payment processing. The system acts as a mediator that verifies both vehicle identity and driver authorization before allowing transactions to proceed. This intermediary layer prevents direct RFID-style unauthorized transactions by requiring validated authentication credentials
3Productivity
If conventional payment systems are used at drive-through, then transactions can be completed, but the process slows down both users and merchants
Solution Approach 1:
The patent implements preliminary authentication by pre-registering vehicle identification and driver biometric data in the system before transactions occur. Payment methods are pre-authorized and linked to specific vehicle-driver combinations. When a vehicle arrives at the drive-through, the system has already prepared the authentication framework, allowing rapid verification without delays for manual payment processing
4Reliability
If multi-factor authentication with biometric verification is implemented, then transaction security and control are improved, but the system complexity increases
Solution Approach 1:
The patent implements self-service authentication where the system automatically captures vehicle identification (VIN, license plate), performs biometric verification (fingerprint, facial, or voice recognition), and processes payment authorization without requiring manual intervention. The complexity is managed through automated workflows that guide users through simple interactions while the backend handles complex verification processes
Data Source
AI summary
Methods and systems are employed for completing a transaction via an internet-connected vehicle by leveraging a multi-factor authentication to compare vehicle identification information and user identification information based on stored information. In addition, methods and systems are provided for completing a transaction via an internet-connected vehicle by automatic enforcement of business rules (e.g., parental control spending tools, or employee spending tracking tools).