Vehicle Computing System Payment Verification via Wireless Device
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Solution Overview
Problem
The increasing portability and convenience of modern technology, such as cellular phones, make them susceptible to loss and theft, posing a risk for unauthorized access to personal and financial data, which existing security measures can be inconvenient and not adequately secure.
Innovation Solution
A method and apparatus that utilize communication between a wireless device and a paired vehicle computing system to verify the presence of a known vehicle, allowing for secure transmission of payment-related information without the need for explicit user input of secondary identification, leveraging Bluetooth communication and vehicle-based computing systems like SYNC.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If wireless devices store payment information for convenience, then ease of operation is improved, but security against theft and unauthorized access deteriorates
Solution Approach 1:
The patent introduces a vehicle computing system as an intermediary between the wireless device and payment network. The vehicle VCS acts as a trusted mediator that hosts the payment application and manages security, separating the convenience of wireless device portability from the security requirements of payment transactions
Solution Approach 2:
The patent divides the payment system into separate components: the wireless device for user interaction and portability, the vehicle VCS for secure payment processing and storage, and the payment network for transaction validation. This segmentation allows each component to specialize in its strength while mitigating individual weaknesses
2Reliability
If secondary identification verification is implemented for security, then security is improved, but device complexity and ease of operation worsen
Solution Approach 1:
The system performs automatic verification of device identity and vehicle presence without requiring users to manually input secondary identification. The payment application automatically communicates with the vehicle VCS to verify device identity and confirm vehicle presence, eliminating manual verification steps while maintaining security
Solution Approach 2:
The system pre-establishes trusted relationships between the wireless device, vehicle VCS, and payment network before transactions occur. Device identity is verified in advance, and vehicle presence is confirmed before payment information is transmitted, so security verification is completed beforehand rather than adding complexity during the transaction
Data Source
AI summary
A computer implemented method includes receiving a request for payment-related information at a wireless device. The method also includes communicating between the wireless device and a paired vehicle computing system (VCS) to verify the presence of a known vehicle. Further, the method includes transmitting requested payment-related information, responsive to the verification of the presence of the known vehicle.