Patent ID: 11935061
Assignee: KIA CORPORATION
Field: IT methods for management (Electrical engineering)
Classification: CPC G  B  Y | IPC B  G

Claim 0:
1. A device for detecting a fraudulent financial transaction occurred in a vehicle configured to provide an in-vehicle payment function, the device comprising:
a processor configured to detect the fraudulent financial transaction in an in-vehicle payment provided by the vehicle based on at least one of a real time GPS vehicle location value, the number of vehicle occupants, a state of a communication network, a real time vehicle speed while the vehicle is traveling, whether a fingerprint authentication module is mounted, a state of a battery, a user account, and/or information on the in-vehicle payment when the in-vehicle payment is requested from the vehicle configured to provide the in-vehicle payment function,
wherein the processor is further configured to
calculate a shortest time required to travel between a location at which the in-vehicle payment has occurred and a location at which a previous payment has occurred in consideration of a time zone,
acquire, from a GPS device, real-time GPS location values of the vehicle while the vehicle is traveling,
acquire, from a vehicle speed sensor, real-time vehicle speeds while the vehicle is traveling,
determine that the fraudulent financial transaction has occurred, when the calculated shortest time required is greater than a difference between a time at which a current in-vehicle payment has occurred and a time at which the previous payment has occurred,
determine in real time that the fraudulent financial transaction has occurred, when a real-time GPS location value of the vehicle while the vehicle is traveling at a time point at which the in-vehicle payment has occurred and a GPS location value of an affiliated store where a payment request has occurred are different from each other even when a location error of a specific value is corrected,
determine that the fraudulent financial transaction has occurred, when a number of occupants of the vehicle is identified through an occupant detection system (ODS) of the vehicle to be 0,
determine that the fraudulent financial transaction has occurred, based on whether the communication network of the vehicle is in a sleep state,
determine in real time that the fraudulent financial transaction has occurred while the vehicle is traveling, based on whether a real-time vehicle speed while the vehicle is traveling and when the in-vehicle payment is requested by the vehicle is equal to or higher than a predetermined speed,
determine that the fraudulent financial transaction has occurred, based on whether the in-vehicle payment through fast identity online (FIDO) has been requested in a state where the fingerprint authentication module is not mounted in the vehicle,
determine that the fraudulent financial transaction has occurred, based on whether the in-vehicle payment has been requested in a state where the battery of the vehicle is being charged, and
send a signal in real time to instruct an in-vehicle payment operation server to stop the in-vehicle payment function provided by the vehicle in response to the determination that the fraudulent financial transaction has occurred.