US 12,437,287 B2
Method for performing a payment process of a user by a payment system, as well as a corresponding payment system
Mark Gerban, Hamburg (DE); and Marco Zunino, Schönaich (DE)
Assigned to MERCEDES-BENZ GROUP AG, Stuttgart (DE)
Appl. No. 17/917,045
Filed by MERCEDES-BENZ GROUP AG, Stuttgart (DE)
PCT Filed Dec. 9, 2020, PCT No. PCT/EP2020/085156
§ 371(c)(1), (2) Date Oct. 5, 2022,
PCT Pub. No. WO2021/204411, PCT Pub. Date Oct. 14, 2021.
Claims priority of provisional application 63/005,940, filed on Apr. 6, 2020.
Prior Publication US 2023/0153794 A1, May 18, 2023
Int. Cl. G06Q 20/36 (2012.01); G06Q 20/34 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/367 (2013.01) [G06Q 20/3552 (2013.01); G06Q 20/4014 (2013.01); G06Q 2220/00 (2013.01)] 10 Claims
OG exemplary drawing
 
1. A method for performing a payment process of a user by a payment system, the method comprising:
receiving, by an electronic computing device of the payment system, at least one registration information from the user in a vehicle environment;
transmitting, by the electronic computing device to a card network of the payment system, at least the one registration information, wherein the card network generates a payment token dependent on the at least one registration information and a corresponding cryptogram for the payment token;
receiving, by the electronic computing device from the card network, the payment token;
storing, in the electronic computing device, at least the payment token;
generating, by the electronic computing device, payment data for paying a merchant using at least the payment token and omitting the cryptogram, wherein the payment token is not stored in combination with the cryptogram, and wherein the payment data does not comprise the cryptogram; and
transmitting, by the electronic computing device to the merchant, the payment data usable to conduct a transaction with the merchant, wherein the cryptogram is not transmitted to the merchant;
transmitting the cryptogram from a vehicle manufacturer system in the vehicle environment to the card network for authorization of payment for the transaction, wherein the cryptogram is only used for authorizing the payment for the transaction.