Vehicle Transaction Authentication Using Driver-Vehicle Verification
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Solution Overview
Problem
Conventional vehicle payment methods are insecure, inefficient, and lack control mechanisms, leading to fraud and inconvenience during transactions, especially in scenarios requiring physical interaction and proximity to merchants, which can be dangerous during pandemics.
Innovation Solution
Implement multi-factor authentication using vehicle identification information (e.g., VIN, license plate) and user identification information (e.g., biometrics) to authorize transactions, with automatic enforcement of business rules for parental or employee spending control.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If conventional vehicle payment methods (RFID, physical cards) are used, then transactions can be completed quickly, but security is compromised and fraud risk increases
Solution Approach 1:
The patent combines vehicle identification (VIN) and user identification (biometric data) into a unified authentication system. The merchant system receives both vehicle data and biometric data, computes hashes of both, and verifies them together against stored authentication data, creating a merged authentication mechanism that secures transactions while maintaining speed
Solution Approach 2:
The patent introduces a merchant system with a merchant device as an intermediary between the vehicle and the payment processing system. This intermediary captures and verifies both vehicle and user identification data, acting as a trusted mediator that enables secure contactless transactions without requiring direct physical interaction between user and merchant
2Reliability
If physical interaction with tellers is required for transactions, then payment verification is direct, but exposure to viruses and health risks increases
Solution Approach 1:
The patent replaces mechanical/physical interaction systems with electronic and optical systems. Instead of physically handing over cards or cash to tellers, the system uses electronic data transmission via RFID readers and optical biometric scanners, eliminating the need for physical contact while maintaining verification reliability
Solution Approach 2:
The system enables self-service authentication where the vehicle and user automatically present their identification data without human intervention. The RFID reader automatically captures vehicle data, biometric sensors automatically scan user characteristics, and the system automatically verifies authentication, eliminating the need for teller interaction
3Adaptability or versatility
If authorized users permit others to use the vehicle for payments, then vehicle utilization increases, but control over spending is lost
Solution Approach 1:
The patent segments the authentication process into distinct components: vehicle identification verification and user biometric verification. By requiring both components to match stored authentication data, the system creates a segmented control mechanism where both the vehicle owner and the user must be validated, maintaining spending control while allowing authorized usage
Applied Scientific Principles
This section explains which scientific principles are used to turn an abstract innovation direction into a practical engineering solution.
Function Achieved in This Case
Facilitates secure, efficient, and contactless transactions by verifying the driver-vehicle pair, reducing transaction time to approximately 15 seconds and enforcing spending limits, enhancing safety and convenience.
Implementation Method 1
a vehicle may have an ability to pay for some transactions via an electronic toll-collection system (e.g., radio frequency identification (RFID) unit that transmits radio signals)
Data Source
AI summary
Methods and systems are employed for completing a transaction via an internet-connected vehicle by leveraging a multi-factor authentication to compare vehicle identification information and user identification information based on stored information. In addition, methods and systems are provided for completing a transaction via an internet-connected vehicle by automatic enforcement of business rules (e.g., parental control spending tools, or employee spending tracking tools).