CPC G06Q 30/0609 (2013.01) [G06Q 30/0633 (2013.01)] | 20 Claims |
1. A method comprising:
connecting, by a communication module of a merchant device of a merchant and at a certain merchant location of the merchant, with an onboard vehicle device of a vehicle within a first distance to the certain merchant location, the connecting for obtaining a user identifier unique to a first user of the vehicle;
receiving, by the communication module, a broadcast of the user identifier from the onboard vehicle device
determining, by a processor of the merchant device based on the user identifier, a transaction processing restriction for transactions of the first user with the merchant;
receiving, by the communication module from the onboard vehicle device, a request for a transaction with the merchant;
detecting, by the merchant device using short range wireless communications and/or geo-location data, a mobile device required for electronic transaction processing of the transaction within a second distance to at least one of the certain merchant location or the vehicle;
authenticating, by the processor, the onboard vehicle device based on the detecting; and
processing, by the processor, the transaction based on the transaction processing restriction and the authenticating.
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