Remote Transaction Authorization Using Vehicle Image and Location Match
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Solution Overview
Problem
Existing transaction methods, particularly for fuel refuelling and parking, require proximity to payment terminals and have limitations on transaction values, leading to inconvenience and inefficiency.
Innovation Solution
A transaction authorization system using mobile devices, a central server, and image capture devices to authenticate users based on vehicle registration marks and location data, enabling contactless transactions with enhanced security and flexibility.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Speed
If contactless payment is used, then transaction speed is improved, but transaction value is limited
Solution Approach 1:
The patent introduces a mobile device as an intermediary between the payment card and the payment terminal. The mobile device runs a payment application that can perform transactions remotely, eliminating the need for direct proximity to the terminal. This allows high-value transactions to be authorized contactlessly through the mobile device's communication capabilities rather than being constrained by the terminal's contactless limits.
Solution Approach 2:
The system transitions from a two-dimensional contactless payment model (card near terminal) to a three-dimensional distributed model where the mobile device acts as a portable payment hub. The payment application on the mobile device can communicate with the terminal wirelessly, adding a communication dimension that enables higher transaction values while maintaining contactless convenience.
2Reliability
If payment terminal proximity is required, then transaction security is improved, but user convenience is worsened
Solution Approach 1:
The mobile device performs self-validation by running a payment application that automatically verifies transaction details, authorizes payments, and manages security protocols without requiring user intervention at the terminal. The device autonomously handles the payment process, maintaining security through built-in verification mechanisms while eliminating the need to physically present the card near the terminal.
Solution Approach 2:
The mobile device serves as a secure intermediary that holds the payment card credentials and performs authentication remotely. Instead of the terminal directly verifying the card, the mobile device's payment application acts as a trusted mediator that secures the transaction through its own verification processes, maintaining security while enabling remote operation.
3Adaptability or versatility
If multiple locations are required for refuelling and payment, then transaction flexibility is improved, but time consumption is worsened
Solution Approach 1:
The patent merges the refuelling operation and payment transaction into a single integrated process. The mobile device's payment application communicates directly with the fuel dispenser or service terminal, combining what were previously separate steps (refuelling at one location, then paying at another) into a unified operation that occurs at the same location and time, eliminating the need to travel between different service stations.
Solution Approach 2:
The payment transaction continues seamlessly during the refuelling process without interruption. The payment application on the mobile device maintains continuous communication with the service terminal, allowing the transaction to proceed concurrently with the refuelling operation rather than requiring the user to complete refuelling first, then travel to a separate payment location.
4Reliability
If manual payment processes are used, then transaction control is improved, but processing speed is worsened
Solution Approach 1:
The payment application implements automated feedback loops that continuously monitor transaction status, verify payment details, and provide real-time confirmation. The system automatically receives authorization responses from the payment network, validates transaction completeness, and provides immediate feedback to both the user and the service terminal, eliminating manual verification steps while maintaining secure control through automated verification protocols.
Solution Approach 2:
The payment processing system performs self-validation and automated authorization without requiring manual intervention. The mobile device's payment application automatically verifies transaction details, communicates with the payment network, and completes the transaction process autonomously, maintaining secure control through built-in verification mechanisms while significantly increasing processing speed by eliminating manual steps.
Data Source
AI summary
A set of user accounts are maintained, each associated with a corresponding mobile device. Each user account comprises a set of user-identifying features, including at least one of: an image of a user-identifying asset, and information that is derivable from an image of a user-identifying asset. Each user account also comprises the location of the associated mobile device and transactional data, such as payment card data, for performing a transaction. An image of a user-identifying asset is captured at a known service location, and a match is determined with one of the user accounts dependent on image and location similarity. The use of transactional data from the matched user account is therefore authorized, and so service provision at the service location is permitted.