Systems and methods for processing data messages from a user vehicle

US12321929B2 · kind B2 · utility

Assignee

• MASTERCARD INTERNATIONAL INCORPORATED · US

Inventors

• Jeffrey D. Woods · Beaumont, US
• Christopher Eric Mullen · Menlo Park, US
• Rick Unnerstall · O'Fallon, US

Key dates

• Filing date: Sep 3, 2021
• Grant date: Jun 3, 2025
• Expiry date: Jul 15, 2042

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/405
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A payment processor computing device for performing an electronic transaction initiated by a vehicle is described. The payment processor computing device is configured to receive a registration secure token from a vehicle computing device, the registration secure token corresponding to a cardholder and including an account identifier, a vehicle identifier, and a biometric identifier. The payment processor computing device is further configured to store the registration secure token in memory, receive an authorization request message associated with a payment transaction initiated by the cardholder using the vehicle computing device in communication with a merchant computing device wherein the authorization request message includes a transaction secure token, authenticate the authorization request message by matching the transaction secure token to the registration secure token, embed a matching indicator within the authorization request message, and transmit the authorization request message with the embedded matching indicator to an issuer.