Vehicle Refueling Payment Authentication Without Manual Input
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Existing refueling processes require manual user interaction for payment transactions, which can be inconvenient and prone to errors or fraud.
Innovation Solution
A system enabling automated remote payments between a vehicle and a refueling station using a remote payment system that communicates with a refueling station to authorize transactions based on vehicle identifying data, generates payment cryptograms, and uses a trusted platform module for secure data transmission and authentication.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If manual prepayment and account information input are required, then transaction security can be maintained through user control, but user convenience deteriorates and transaction time increases
Solution Approach 1:
The system performs preliminary actions by automatically retrieving account information from the vehicle's database before the refueling transaction begins. The payment authorization is prepared in advance through the TPM module, eliminating the need for manual information input during the transaction.
Solution Approach 2:
The vehicle's remote payment system performs self-service by automatically managing the payment transaction without requiring user intervention. The system autonomously retrieves account data, generates payment cryptograms, and communicates with the refueling station's payment gateway.
2Reliability
If manual account information input is required, then transaction authorization can be controlled by the user, but susceptibility to fraudulent transactions and data compromise increases
Solution Approach 1:
The Trusted Platform Module (TPM) acts as an intermediary that securely stores account information and generates cryptographically secure payment authorizations. The TPM module mediates between the vehicle's payment system and the refueling station, preventing direct exposure of sensitive account data and reducing fraud risk.
Solution Approach 2:
The system replaces manual mechanical input methods (typing card numbers, signing receipts) with automated electronic processes. The payment authorization is generated and transmitted electronically through secure cryptographic protocols, eliminating the need for physical interaction that could expose data to compromise.
3Ease of operation
If automated remote payment systems are implemented, then transaction security and convenience are improved, but system complexity increases
Solution Approach 1:
The vehicle's telematics system and TPM module are designed to perform multiple functions including secure key storage, cryptographic operations, and payment transaction management. By making these components multi-functional, the patent avoids adding separate dedicated hardware for each function, thereby limiting the increase in overall system complexity.
Data Source
AI summary
A system and method for automated remote payments between a vehicle and a refueling station is disclosed. The system may enable the vehicle to initiate an automated remote payment to the refueling station without needing the user to manually input transaction account information, or to manually prepay for the transaction. The refueling station may detect when the vehicle is in proximity, and the vehicle and the refueling station may open communications to transmit data. The vehicle may transmit vehicle identifying data to the refueling station, and the refueling station may communicate the vehicle identifying data to a payment network to authorize the transaction. In response to authorizing the transaction, the vehicle may proceed with refueling at the refueling station.