DE102011078797A1 - Service device for service system, has processing unit which causes and/or authorizes associated financial transaction, when authenticity is established and when money transaction request assigned from vehicle component is identified - Google Patents

Abstract

The service device (DV) has communication interface (1) which receives the vehicle authentication information associated with the respective vehicle (FZG) and receives the financial transaction request. A processing unit (3) determines the authenticity of the respective vehicle depending on the vehicle authentication information. The processing unit causes and/or authorizes the associated financial transaction, if the authenticity is established and if the money transaction request assigned from one of the vehicle component is identified. Independent claims are included for the following: (1) method for operating service device; and (2) service system.

Description

The invention relates to a service device, a method for operating the service device and a service system.

Cashless payment systems are increasingly being used by consumers. There are various online payment services that specialize in the processing of online transactions. Furthermore, there are various systems that support payments via mobile phones.

From the US Pat. No. 6,834,267 B1 there is known a toll toll device for use in a vehicle traveling through a lane in which a toll booth is located. In response to insertion of a card with an IC storing at least one card ID into a card slot of the apparatus, a driving status of the vehicle is detected to indicate an immobile or running condition. In the case of a running state of the vehicle, the driver can not input a code such as the map ID code or a password. When the vehicle is stopped, the code input is allowed.

From the GB 2423855 A For example, a system is known which allows the driver to pay for the actual time his vehicle is parked. For this he books the vehicle in and out of the system using a mobile phone. On the basis of a sign a telephone number is indicated. The driver sends a text to the server which can be reached under the corresponding telephone number by means of his mobile telephone. When he returns to the vehicle, he sends another text to the server to stop a timer. The server calculates the parking fee taking into account the time actually passed.

From the US 2010/0179907 A1 For example, a system for providing a service that allows users to securely request and receive data representing details of a payment card using a mobile phone is known. This data may then be used for a commercial transaction in which the user is not present or is away from the location of the transaction.

The object on which the invention is based is to provide a service device, a method for operating the service device and a service system which enable the simple and convenient secure payment transaction.

The object is solved by the features of the independent claims. Advantageous embodiments are characterized in the subclaims.

According to a first aspect, the invention is characterized by a service device with a communication interface which is adapted to receive vehicle authentication information associated with a respective vehicle and to receive a money transaction request. The service device further comprises a processing unit that is configured to determine the authenticity of the respective vehicle depending on the vehicle authentication information. If the authenticity is established and if the money transaction request is initiated and / or authorized as initiated by a component associated with the vehicle, the processing unit is adapted to initiate the associated monetary transaction.

In this way, the vehicle authentication information is used, which may be deposited, for example in the form of a certificate in the respective vehicle, so the recognition is used that such a determination of the authenticity of the vehicle as a prerequisite for initiating the financial transaction has a particularly high level of security because the vehicle authentication information is stored directly in the vehicle and thus is particularly secure against manipulation and beyond also due to the regularly high value of a vehicle and its much greater mass than, for example, a check card-shaped card with an integrated circuit very fast unauthorized theft is detected and Thus, simply by appropriate measures further use in this regard can be prevented.

According to an advantageous embodiment of the first aspect, the vehicle authentication information comprises a vehicle identification code, in particular a vehicle identification number. In this way, the vehicle authentication information includes an identifier that can be uniquely assigned to the vehicle.

The component associated with the vehicle can be arranged, for example, in the vehicle in a mobile manner and be, for example, a vehicle key and / or be stationarily arranged in the vehicle. It may also be configured, depending on user input, to generate and thus initiate the money transaction request.

According to a further advantageous embodiment, the communication interface of the service device is configured to vehicle occupant authentication information that a respective vehicle occupant of the respective vehicle is assigned to receive. In this case, the processing unit is further configured to determine the authenticity of the vehicle occupant depending on the vehicle occupant authentication information and, if the authenticity of the vehicle occupant is determined, to initiate the monetary transaction associated with the money transaction request initiated as the component associated with the vehicle and / or authorized.

The vehicle occupant is merely to be understood as a person who is in predefined relationship to the respective vehicle. He can thus actually sit in the vehicle. However, it may also, for example, be in possession of the component associated with the vehicle, which is designed, for example, as a vehicle key, and which are also located external to the vehicle.

By taking into account the vehicle occupant authentication information, the security of the financial transaction can be further increased and thus differentiated between different possible vehicle occupants of the vehicle.

In this connection, it is particularly advantageous if the vehicle occupant authentication information comprises vehicle key authentication information of a respective vehicle key. This is also particularly comfortable on the vehicle key retrievable and securely stored in the vehicle key that carries the vehicle occupant regularly.

According to a further advantageous refinement of the first aspect, the vehicle authentication information is associated with operating information of the respective vehicle and is communicated with the vehicle authentication information. In this way, for example, any sensor information or other information that is present within the vehicle can be used, such as a fuel level, oil level, maintenance interval expiration, moreover, for example, preferred radio stations or profiles of the respective vehicle occupant.

This operating information can be used in an optional embodiment of the correspondingly designed service device to provide, depending on this offer information at the communication interface of the service device for transmission to the respective vehicle. In this way, the respective vehicle occupant can be supplied with specific, targeted offer information and the vehicle occupant can conveniently carry out a corresponding financial transaction within the framework of the acceptance of the respective offer.

According to a further advantageous refinement, the vehicle authentication information is assigned to position information of the respective vehicle and is communicated therewith. This position information may preferably include, for example, geographic coordinates. In this way, using the position information, a contribution can be made to make the cash transaction even safer if, for example, as in the case of toll booths, it can also depend on the current geographical position of the vehicle. On the other hand, offer information can thus be brought to the attention of the respective vehicle occupant in a particularly targeted manner.

Position information is basically operating information of the respective vehicle.

According to a second aspect, a method for operating the service device according to the first aspect and also its advantageous embodiment is provided. The method corresponds with regard to its effects and also its advantageous embodiments to the first aspect. According to the second aspect, the authenticity of the respective vehicle is determined depending on the vehicle authentication information. If the authenticity is determined and if the money transaction request is initiated and / or authorized as initiated by a component associated with the vehicle, the associated cash transaction is initiated.

According to a third aspect, the invention is characterized by a service system having the service device according to the first aspect and at least one vehicle having a communication interface that is configured to provide vehicle authentication information associated with the respective vehicle for transmission to the communication interface of the service device. The third aspect corresponds in this respect with respect to its advantages and advantageous embodiment to those of the first aspect.

According to an advantageous embodiment of the third aspect, the communication interface of the vehicle is configured to provide the money transaction request for transmission to the communication interface of the service device. For example, payment transactions can be carried out or initiated directly from the vehicle.

According to a further advantageous embodiment of the second aspect, the service system comprises a transaction device having a communication interface for communicating with the component of the vehicle. The communication interface of the transaction device is configured to receive vehicle occupant authentication information associated with a respective vehicle occupant of the respective vehicle and forward it to the communication interface of the service device. The communication interface of the service device is designed in this context to receive the vehicle occupant authentication information. The processing unit is designed in this context to determine the authenticity of the vehicle occupant depending on the vehicle occupant authentication information. If the authenticity of the vehicle occupant is established, it is configured to initiate the cash transaction associated with the money transaction request that is initiated and / or authorized identified by the component associated with the vehicle. In this way, monetary transactions can also be initiated when the vehicle occupant is outside the vehicle, such as in a shop in which, for example, the transaction device is arranged. In particular, if the component associated with the vehicle is so far away from the vehicle that it can no longer communicate with it, corresponding vehicle occupant authentication information can be provided via the transaction device, which is particularly advantageous, for example, in the case of the component as a vehicle key , The initiation of the money transaction request in this case can either be done by the transaction device or continue via the vehicle itself.

Embodiments of the invention are explained in more detail with reference to the schematic drawings. Show it:

1 a service system,

2 to 4 Message charts related to various embodiments of the service system.

A service system ( 1 ) points to a service device DV, which may be embodied, for example, in the form of a server, in particular a back-end server. Furthermore, the service system comprises at least one vehicle FZG, but in particular a plurality of vehicles FZG.

In addition, a transaction device TAV can optionally be provided, which is arranged in particular externally to the respective vehicle FZG. The transaction device TAV can for example be assigned to a shop and thus be arranged in it, for example.

The service device DV can be embodied, for example, in a central computer device, which, however, can in principle also be distributed over different hardware platforms.

The service device has a communication interface 1 adapted to receive vehicle authentication information FZG_AUT associated with a respective vehicle FZG and to receive a money transaction request GTA_ANF.

Furthermore, the service device comprises a processing unit 3 , which is adapted to determine the authenticity of the respective vehicle FZG depending on the vehicle authentication information FZG_AUT. The processing unit 3 Furthermore, it is configured such that if the authenticity is established and if the money transaction request GTA_ANF is initiated and / or authorized by components KOMP assigned to the vehicle FZG, the associated financial transaction GTA_ANF is initiated.

The service device has a corresponding program and data memory in which programs or at least one program are stored, which is processed during the operation of the service device in a computing unit, which in particular comprises a microprocessor.

The respective vehicle FZG has a communication interface 5 configured to provide vehicle authentication information FZG_AUT associated with the respective vehicle FZG for transmission to the communication interface 1 the service device DV.

The vehicle authentication information FZG_AUT can include, for example, a certificate which is assigned directly to the vehicle FZG. For example, this may include a vehicle identification code, in particular in coded form, such as a vehicle identification number. The vehicle identification information FZG_AUT is preferably stored in an area of the vehicle FZG secured against manipulation and / or is generated by means of appropriate program functionality also in a secure and tamper-proof manner.

Preferably, the communication between the communication interface 5 of the vehicle and the communication interface 1 the service device in a protected manner, in particular in encrypted form. This applies in particular to the transmission of the vehicle authentication information FZG_AUT.

The communication between the communication interface 5 of the vehicle and the Communication Interface 1 The service device can in principle be direct, but it can also be done indirectly, for example with the interposition of any communication network or any combination of communication networks, such as a mobile network and / or the Internet.

The communication interface 5 and the corresponding functionality for generating the data within the functionality relevant to the money transaction request GTA_ANF is fixedly arranged in the vehicle, for example in a unit. This unit is also preferably also designed to provide the vehicle occupant with other functionality, such as, for example, so-called tele-services or also tele-services, which enable the exchange of maintenance information relating to the vehicle FZG with the service device DV. In this way, therefore, in principle no additional device, such as a so-called onboard unit in conventional toll payment systems required or not a corresponding additional payment functionality, which may be implemented for example in a mobile phone.

The vehicle FZG also has the component KOMP assigned permanently. The component KOMP can be designed, for example, as a vehicle key. However, in addition to the vehicle key, for example, a mobile arrangement relative to the vehicle, it may also be arranged stationarily in the vehicle and may be designed to generate and thereby authorize and / or authorize the money transaction request GTA_ANF depending on a respective user input of a vehicle occupant.

In this context, authorization is to be understood in particular as meaning that it is signaled that the respective money transaction request is to be legitimately executed. This can be done, for example, when a corresponding code, such as a PIN code or a TAN code is entered by the respective user. In simple cases, an actuation of a corresponding actuating element may be sufficient, which may be, for example, a rotary control element. However, it may also be, for example, a corresponding key on a vehicle key.

Optionally, the communication interface 1 the service device may be further configured to receive vehicle occupant authentication information FZGI_AUT associated with a respective vehicle occupant of the respective vehicle. In this case, the processing unit 3 further configured to determine the authenticity of the vehicle occupant depending on the vehicle occupant authentication information FZGI_AUT. This can be done, for example, by means of one of the respective component and in this case, in particular the respective vehicle key associated vehicle key authentication information. In this context, the knowledge is used that a respective vehicle key is regularly used by one and the same person and thus different vehicle keys of the same vehicle are clearly assigned to different people.

The processing unit is further formed for this case, if the authenticity of the vehicle occupant is determined to cause the financial transaction that is associated with the money transaction request, which is caused by the the vehicle FZG associated component KOMP and / or authorized identified.

The reasoning may include directly instructing a corresponding money transfer to the respective intended recipient by the service device. In principle, however, it can also indirectly serve to carry out the financial transaction and thus comprise the corresponding payment transaction via another payment service provider, such as a credit card company. In addition, optionally in the context of the initiation of the financial transaction and a correspondingly suitable receipt, in particular be generated electronically and in particular the payee to be forwarded.

The communication interface is preferred 5 the vehicle FZG further configured to provide the money transaction request GTA_ANF for transmission to the communication interface 1 the service device. In this way, in particular a payment process can be carried out directly in the vehicle.

In particular with regard to the possible use of the service system for carrying out financial transactions, which are also carried out by the respective vehicle occupant outside the vehicle, at least one transaction device TAV is preferably provided. The transaction device TAV also has a communication interface 9 for communication with the component KOMP of the vehicle FZG, which is designed to receive vehicle occupant authentication information FZGI_AUT, which is assigned to a respective vehicle occupant of the respective vehicle FZG, and to the communication interface 1 the service device DV forward. This can also be done directly or indirectly via any communication network.

The money transaction request can optionally also be initiated directly by the transaction device TAV, in particular using the vehicle occupant authentication information FZGI_AUT. In this way, it is possible to cause corresponding Geldtransaktionsanforderungen GTA_ANF using the component KOMP of the vehicle FZG outside the vehicle and even if, for example, the component KOMP can not communicate directly with this due to their distance from the vehicle. This allows, for example, then also payment transactions in a shopping center, to which the vehicle occupant has driven with the vehicle FZG.

For example, the communication interface 7 formed the component KOMP to a so-called Near Field Communication (NFC) and can for example communicate with the transaction device TAV directly.

Based on the following message flow diagrams in the 2 to 4 various optional configurations of the service system are exemplified, which can be present in principle in any combination.

In a first step ( 2 ) the vehicle authentication information FZG_AUT is transmitted from the vehicle FZG to the service device DV. Preferably assigned to the vehicle authentication information FZG_AUT operating information BI of the respective vehicle FZG is also provided to the service device DV. Such operational information BI may include any information available in the vehicle. It can, for example, directly represent sensor information or also represent information derived therefrom of the vehicle. For example, it can be representative of a tank level, an oil level and / or a maintenance interval sequence, preferred radio transmitters and / or a profile of the respective vehicle occupant and / or be representative of a current position of the vehicle and thus include, for example, its determined geographic coordinates.

The vehicle authentication information FZG_AUT and / or the operating information BI can, for example, be periodically transmitted to the service device DV during the operation of the vehicle FZG, but it can also be transmitted when a given event occurs.

Optionally, the service device DV can be designed to generate offer information AI and at the communication interface, depending on the operating information received from and associated with the respective vehicle FZG 1 the service device DV to provide for transmission to the respective vehicle FZG. The offer information may thus comprise, for example, offer information adapted specifically to the needs of the vehicle occupant and / or offer information adapted to a state of the vehicle, for example a motor vehicle workshop, in particular a repair shop of the respective vehicle manufacturer, offer information regarding, for example, a nearby one the car park located in the vehicle, with regard to skin stretches and / or a parking space and / or a device, such as a restaurant with a so-called drive-in device and / or a gas station and / or any shop, such as a supermarket.

The offer information can also take into account historical information about the user behavior of the vehicle occupant, which may be stored for example in the service device DV. In this way, on the one hand, very tailor-made offers can be made available to the respective vehicle occupants, who have a very high probability of arousing their interest. On the other hand, the respective providers can also adapt their respective offers according to the existing operating information BI or also the corresponding history from the user behavior. In this way, for example, in the case of a very low tank filling level in a vehicle with a large tank due to the expected high tank volume, a particularly favorable offer be made by a corresponding gas station.

The communication interface 5 The vehicle is then set up to receive the offer information and to provide it to the respective vehicle occupants for signaling. The signaling is preferably carried out by means of already existing output devices of the vehicle, such as a screen, which is also present for the output of navigation data and / or the set radio stations or the like anyway in the vehicle FZG.

The vehicle FZG is further configured such that when the vehicle occupant manifests his will to initiate a corresponding money transaction request, the money transaction request GTA_ANF is initiated and thus from the communication interface 5 of the vehicle to the communication interface 1 the service device DV is transmitted. The announcement of the will, for example, by predetermined operation of a corresponding control element of the vehicle and / or input of a PIN and / or a TAN and / or pressing a predetermined key on, for example, the Vehicle key, Also in all other embodiments of the service system explained below, the operating information BI with the vehicle authentication information FZG_AUT can be transmitted to the service device DV and likewise offer information AI can be transmitted from the service device DV to the vehicle FZG. Preferably, the vehicle and / or the service device DV is designed to prevent or restore at least the signaling of the offer information or to limit it by the driver by means of a predetermined input of the vehicle occupant. The offer information can also be determined in the service device, for example, depending on whether the vehicle is currently approaching a device for vehicle-related payment, which can also be referred to as a car-pay location, and then made available as a function of the speed profile, in particular then when the speed decreases. In this case, for example, especially for toll systems, a targeted presentation, for example by means of a pop-up window, the offer information can be made, which can then be easily accepted by the user and so the money transaction request GTA_ANF can be initiated. This can be done without taking the driver's attention to a high degree.

In addition, in this context, for example, be considered as operating information BI, whether in the vehicle, a brake is applied and / or a gear is taken out.

In the embodiment according to the 3 First, the vehicle authentication information FZG_AUT is transmitted from the vehicle FZG to the service device DV. Subsequently, the vehicle authentication information FZG_AUT is transmitted from the component KOMP directly to the vehicle FZG, which includes, for example, the vehicle key authentication information of the respective vehicle key. Subsequently, the vehicle occupant authentication information FZGI_AUT is transmitted from the vehicle to the service device DV. At a later time, a respective money transaction request GTA_ANF is transmitted from the vehicle to the service device DV.

According to the embodiment according to the 4 the vehicle authentication information FZG_AUT is transmitted from the vehicle to the service device DV. Subsequently, the vehicle occupant authentication information FZGI_AUT is transmitted from the component KOMP to the transaction device TAV. The transaction device TAV then transmits this vehicle occupant authentication information FZGI_AUT to the service device DV. The money transaction request GTA_ANF can, for example, also be transmitted by the transaction device TAV for initiation to the service device DV. In this way, a payment outside the vehicle FZG is possible and certainly outside a range of communication between the component KOMP and the vehicle FZG possible.

In principle, the position of the vehicle FZG can also be evaluated for the purpose of possibly increasing the security, in order to make a decision as to whether the respective financial transaction should be initiated in accordance with the money transaction request GTA_ANF or not.

LIST OF REFERENCE NUMBERS

DV

service device

1

Communication interface DV

3

processing unit

FZG

vehicle

5

Communication interface FZG

COMP

component

7

Communication interface KOMP

TAV

transaction device

9

Communication interface TAV

FZG_AUT

Vehicle authentication information

BI

operating information

GTA_ANF

Money transaction request

FZGI_AUT

Vehicle occupant authentication information

AI

offer information

QUOTES INCLUDE IN THE DESCRIPTION

This list of the documents listed by the applicant has been generated automatically and is included solely for the better information of the reader. The list is not part of the German patent or utility model application. The DPMA assumes no liability for any errors or omissions.

Cited patent literature

• US 6834267 B1 [0003]
• GB 2423855 A [0004]
• US 2010/0179907 A1 [0005]

Claims (11)

Service device (DV) with - a communication interface ( 1 ) which is adapted to receive vehicle authentication information (FZG_AUT) associated with a respective vehicle (FZG) and to receive a money transaction request (GTA_ANF), - a processing unit ( 3 ), which is designed to - depending on the vehicle authentication information (FZG_AUT) to determine the authenticity of the respective vehicle (FZG), - if the authenticity is detected and if the money transaction request (GTA_ANF) as caused by a vehicle component (KOMP) and / or is authorized to initiate the associated monetary transaction. Service device according to claim 1, in which the communication interface ( 1 ) is adapted to receive vehicle occupant authentication information (FZGI_AUT) associated with a respective vehicle occupant of the respective vehicle (FZG), and the processing unit ( 3 ) is adapted to - determine the authenticity of the vehicle occupant depending on the vehicle occupant authentication information (FZGI_AUT), - if the authenticity of the vehicle occupant is determined to cause the financial transaction associated with the money transaction request (GTA_ANF) than that of the vehicle (FZG) assigned component (KOMP) caused and / or authorized is identified. A service device according to any one of the preceding claims, wherein the vehicle occupant authentication information (FZGI_AUT) comprises vehicle key authentication information of a respective vehicle key. Service device (DV) according to one of the preceding claims, wherein the vehicle authentication information (FZG_AUT) comprises a vehicle identification code. Service device (DV) according to one of the preceding claims, in which the vehicle authentication information (FZG_AUT) is associated with and is communicated with operating information (BI) of the respective vehicle (FZG). Service device (DV) according to one of the preceding claims, wherein the vehicle authentication information (FZG_AUT) is associated with position information of the respective vehicle (FZG) and is communicated with it. Service device (DV) according to one of the preceding claims, which is designed, depending on received operating information (BI) of the respective vehicle (FZG) offer information (AI) at the communication interface ( 1 ) of the service device (DV) to be transmitted to the respective vehicle (FZG). Method for operating a service device (DV) according to one of the preceding claims, in which The authenticity of the respective vehicle (FZG) is determined as a function of the vehicle authentication information (FZG_AUT), If the authenticity is established and if the money transaction request (GTA_ANF) is initiated and / or authorized as authorized by a component (KOMP) assigned to the vehicle (FZG), the associated cash transaction is initiated. Service system with a service device (DV) according to one of claims 1 to 7 and at least one vehicle (FZG) with a communication interface ( 5 ), which is adapted to provide vehicle authentication information (FZG_AUT) associated with the respective vehicle (FZG) for transmission to the communication interface ( 1 ) of the service device (DV). Service system according to one of the preceding claims, in which the communication interface ( 5 ) of the vehicle (FZG) is designed to provide the money transaction request (GTA_ANF) for transmission to the communication interface ( 1 ) of the service device (DV). Service system according to one of Claims 9 or 10, comprising - a transaction device (TAV) which has a communication interface ( 9 ) for communication with the component (KOMP) of the vehicle (FZG) and the communication interface ( 9 ) of the transaction device (TAV) is configured to receive vehicle occupant authentication information (FZGI_AUT) which is assigned to a respective vehicle occupant of the respective vehicle (FZG) and to the communication interface ( 1 ) of the service device (DV) and the communication interface ( 1 ) of the service device (DV) is adapted to receive the vehicle occupant authentication information (FZGI_AUT), and wherein the processing unit ( 3 ) is designed to - determine the authenticity of the vehicle occupant depending on the vehicle occupant authentication information (FZGI_AUT), - if the authenticity of the vehicle occupant is determined to cause the monetary transaction, the money transaction request (GTA_ANF) is assigned, as caused by the the vehicle (FZG) associated component (KOMP) and / or authorized identified.

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