Automotive Payment Token Flow for Standardized Vehicle Data Sharing
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
The automotive industry is fragmented in data management and lacks a unified platform for data management and data sharing, with existing systems fragmented and proprietary, non-standardized, proprietary, and proprietary, non-standardized, low-resolution, and non-real-time data collection and sharing, lacking a common OS across OEMs, leading to fragmented fleet management and insurance data access challenges.
Innovation Solution
An automotive data sharing platform utilizing a common Android OS for data collection, enabling standardized data aggregation, anonymization, and consent management, with a cloud-based system facilitating data access and payment incentives through a vehicle-specific account.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Manufacturing precision
If a unified automotive data sharing platform with common OS is implemented, then data standardization and real-time access are improved, but device complexity and implementation difficulty increase
Solution Approach 1:
The patent implements a universal Android-based operating system across multiple OEM vehicles, enabling standardized data collection and sharing protocols. This common OS platform provides multi-functional capabilities including data aggregation, consent management, and real-time sharing across diverse vehicle types, resolving the contradiction by establishing a unified technical foundation that standardizes data without requiring complete system redesign for each OEM
Solution Approach 2:
The patent introduces an intermediary data sharing platform that sits between vehicles and data consumers, managing consent, aggregation, and distribution of vehicle data. This intermediary layer standardizes data interfaces and protocols, enabling real-time access while abstracting the complexity from individual vehicle systems and OEMs
2Reliability
If individualized consent for each data consumer is obtained, then data privacy and operator control are improved, but ease of operation and consent management difficulty increase
Solution Approach 1:
The patent segments consent management into distinct layers: vehicle-level consent, OEM-level consent, and data consumer-level consent. Each layer operates independently with specific permissions and controls, allowing operators to grant granular access rights to different data consumers while maintaining privacy. The segmented approach simplifies management by breaking down the complex consent process into manageable units that can be configured and revoked independently
3Adaptability or versatility
If proprietary data collection systems are used by each OEM, then OEM control over data is improved, but data sharing efficiency and fleet management effectiveness worsen
Solution Approach 1:
The patent merges proprietary OEM data collection systems with a unified Android-based platform, combining the strengths of both approaches. Each OEM maintains control over their specific data collection mechanisms while the unified platform enables standardized aggregation and sharing. This merging allows data to flow efficiently across the ecosystem while preserving OEM adaptability and control flexibility
Data Source
AI summary
An automotive payment method and system, including: at a cloud system, generating a payment token, signing the payment token using a cloud private key, and sending the payment token to a vehicle system; at the vehicle system, receiving the payment token, signing the payment token using a vehicle private key, and sending the payment token to a mobile device system; and, at the mobile device system, receiving the payment token and sending the payment token to the cloud system to exchange the payment token for a payment to a third party payee that is debited from a ledger associated with the vehicle system in the cloud system. Optionally, the payment to the third party payee is made by, at the cloud system, receiving the payment token from the mobile device system and sending a virtual credit card to the mobile device system that is provided to the third party payee.