Vehicle-Based Contactless Payment Through Wireless Authorization
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Solution Overview
Problem
Current payment systems require direct interactions between a purchaser and a vendor, which can be inconvenient and pose safety risks, especially in situations where physical contact is undesirable or impossible.
Innovation Solution
Configuring a vehicle with a communications device to enable contactless payment by transmitting payment information wirelessly to a payment receiving mechanism, optionally with biometric verification and user authorization.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Object-affected harmful factors
If contactless payment is implemented using wireless communication, then safety and convenience are improved by eliminating direct human interaction, but device complexity increases due to integration of communication modules and payment mechanisms in the vehicle
Solution Approach 1:
The patent combines multiple functions into the vehicle system: wireless communication capabilities, payment information storage, and automated transmission mechanisms are integrated directly into the vehicle, allowing the vehicle itself to perform payment operations without human intervention. This merging resolves the contradiction by embedding the necessary complexity within the vehicle system while eliminating the need for direct human-vendor interaction.
Solution Approach 2:
The vehicle is configured to autonomously handle payment transactions by automatically transmitting payment information in response to payment requests, without requiring the purchaser to manually intervene. The system self-manages the communication and payment processes, improving safety by removing direct human interaction while the automated nature handles the complexity internally.
2Ease of operation
If payment information is transmitted wirelessly from the vehicle, then convenience is improved for autonomous operations, but reliability may worsen due to potential security risks in wireless transmission
Solution Approach 1:
Payment information is pre-configured and stored securely within the vehicle system before any transaction occurs. The vehicle is prepared in advance with the necessary payment credentials and communication protocols, allowing immediate and reliable transmission when a payment request is received, without requiring manual setup during the transaction.
Solution Approach 2:
The vehicle acts as an intermediary between the purchaser and the payment receiving mechanism. It securely holds and transmits payment information through controlled wireless communication channels, mediating the transaction process to maintain both convenience for autonomous operation and reliability through secured transmission protocols.
Data Source
AI summary
Contactless payment from a vehicle, including: configuring the vehicle with payment information associated with a payment mechanism; receiving a request for payment from a payment recipient; requesting, by the vehicle, permission to transmit at least a portion of the payment information associated with the payment mechanism to the payment receiving mechanism; receiving, by the vehicle, permission to transmit at least a portion of the payment information associated with the payment mechanism to the payment receiving mechanism; and transmitting, from the vehicle to a payment receiving mechanism, at least a portion of the payment information associated with a payment mechanism.