US 11,697,581 B2
Efficient resource provider system
Jagdeep Sahota, Rodeo, CA (US); Weiyi Zhou, Foster City, CA (US); Lance Weber, Longmont, CO (US); Kiran Zaveri, Foster City, CA (US); and Shiv Bhatt, San Francisco, CA (US)
Assigned to VISA INTERNATIONAL SERVICE ASSOCIATION, San Francisco, CA (US)
Appl. No. 16/85,895
Filed by VISA INTERNATIONAL SERVICE ASSOCIATION, San Francisco, CA (US)
PCT Filed Jun. 20, 2017, PCT No. PCT/US2017/038253
§ 371(c)(1), (2) Date Sep. 17, 2018,
PCT Pub. No. WO2017/223039, PCT Pub. Date Dec. 28, 2017.
Claims priority of provisional application 62/352,377, filed on Jun. 20, 2016.
Prior Publication US 2019/0106317 A1, Apr. 11, 2019
Int. Cl. B67D 7/08 (2010.01); G06Q 50/30 (2012.01); G06Q 30/06 (2023.01); G07F 13/02 (2006.01); G06V 20/62 (2022.01); G01G 19/08 (2006.01); G06Q 20/28 (2012.01); G06Q 20/40 (2012.01); B67D 7/04 (2010.01)
CPC B67D 7/08 (2013.01) [G01G 19/086 (2013.01); G06Q 20/28 (2013.01); G06Q 20/40 (2013.01); G06Q 30/06 (2013.01); G06Q 50/30 (2013.01); G06V 20/62 (2022.01); G07F 13/025 (2013.01); B67D 2007/0457 (2013.01)] 19 Claims
OG exemplary drawing
 
1. A method comprising:
a) detecting, by a computer comprising a processor and a memory, a presence of a vehicle at a fuel dispenser by receiving information relating to an image of at least a portion of the vehicle at or approaching a resource provider by optically recognizing vehicle identification information from the vehicle;
b) determining, by the computer, a user account based on the information relating to the image;
c) determining, by the computer, a payment token associated with the user account;
d) determining, by the computer, a pre-authorization amount for a financial transaction by:
identifying a vehicle type of the vehicle based on the image;
querying a database of vehicle information based on the vehicle type in order to obtain a resource capacity for the vehicle and to obtain a resource grade for the vehicle, wherein the database of vehicle information is a database that is separate from the user account; and
calculating the pre-authorization amount based on a price for the resource grade for the vehicle and the resource capacity of the vehicle;
e) transmitting a pre-authorization request message to an issuer bank computer, the pre-authorization request message including at least the pre-authorization amount and the payment token, wherein a real account number is substituted for the payment token by a token exchange server;
f) upon receiving a pre-authorization response message from the issuer bank computer, authorizing the fuel dispenser to dispense fuel to the vehicle up to the determined pre-authorization amount, the pre-authorization response message including at least the payment token that is substituted for the real account number by the token exchange server; and
g) after dispensing of the fuel to the vehicle is completed, generating a second authorization request message including the payment token and a transaction amount notifying the issuer bank computer to release the pre-authorization amount held on the user account,
wherein a user of the vehicle does not interact with the fuel dispenser between or during steps a) through f).