Vehicle Payment Secure Tokens for Cardless Authentication
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Solution Overview
Problem
Existing systems require cardholders to physically present a transaction card to merchants for electronic transactions, which is inconvenient and time-consuming, especially in inclement weather, and can be impossible if the cardholder does not have the card.
Innovation Solution
A payment processing system that utilizes a vehicle computing device to perform cardless transactions by registering a cardholder's biometric information, along with a payment card identifier and vehicle identifier, to generate a secure token for authentication during transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If cardholders physically present transaction cards to merchants, then transaction security is maintained through card verification, but transaction time increases and convenience decreases
Solution Approach 1:
The system performs preliminary actions by registering the cardholder's biometric information and vehicle identifier in advance with the payment processor. This allows the vehicle computing device to be pre-authenticated, eliminating the need for physical card presentation during the transaction. The biometric data is captured and stored beforehand, enabling rapid verification at the point of sale without adding time to the actual transaction process.
Solution Approach 2:
The invention extracts the essential authentication function from the physical card itself and relocates it to the vehicle's computing device. Instead of requiring the card to be physically present, the system uses the vehicle identifier and biometric data stored in the vehicle's device to perform authentication. This separation allows the transaction process to proceed without the physical card, reducing transaction time while maintaining security through the extracted authentication capability.
2Productivity
If cardless transactions using vehicle computing devices are implemented, then transaction speed and convenience are improved, but system complexity increases due to biometric registration and token generation
Solution Approach 1:
The payment processor acts as an intermediary that manages the complexity of biometric registration, secure token generation, and authentication verification. Rather than placing all this complexity in the vehicle computing device or merchant system, the payment processor serves as a central mediator that handles these sophisticated functions. This allows the vehicle and merchant systems to remain relatively simple while still enabling fast, cardless transactions through the intermediary's coordinated processing.
Solution Approach 2:
The system creates a digital copy of the cardholder's authentication credentials in the form of a secure token generated from biometric data. Instead of requiring the physical card or complex real-time biometric verification at the point of sale, the system uses a previously generated token that replicates the authentication function. This copying approach simplifies the transaction process while maintaining security, as the token can be quickly verified without re-running complex biometric algorithms.
3Reliability
If physical card presentation is required, then authentication reliability is ensured, but the system becomes inaccessible to cardholders who forget or lose their cards
Solution Approach 1:
The invention replaces the mechanical system of physical card handling with a digital authentication system based on biometric data and electronic tokens. Instead of relying on the physical card that can be lost or forgotten, the system uses the cardholder's biometric information (such as fingerprint or facial recognition) stored in the vehicle computing device. This substitution maintains authentication reliability through secure biometric verification while dramatically improving accessibility, as the authentication is tied to the cardholder's biological characteristics rather than a physical object they might misplace.
Data Source
AI summary
A payment processor computing device for performing an electronic transaction initiated by a vehicle is described. The payment processor computing device is configured to receive a registration secure token from a vehicle computing device, the registration secure token corresponding to a cardholder and including an account identifier, a vehicle identifier, and a biometric identifier. The payment processor computing device is further configured to store the registration secure token in memory, receive an authorization request message associated with a payment transaction initiated by the cardholder using the vehicle computing device in communication with a merchant computing device wherein the authorization request message includes a transaction secure token, authenticate the authorization request message by matching the transaction secure token to the registration secure token, embed a matching indicator within the authorization request message, and transmit the authorization request message with the embedded matching indicator to an issuer.