Patent ID: 11880819
Assignee: CAPITAL ONE SERVICES, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A contactless fuel payment system comprising:
a near field communication (NFC) tag disposed at a fixed position proximate a fuel tank of a vehicle associated with one or more authorized users;
a vehicle communication device associated with the vehicle and configured to selectively pair with one or more devices positioned within a predefined distance of the vehicle communication device to enable short-range wireless communication;
one or more processors; and
memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to:
receive, via the NFC tag, a transaction request for a fuel transaction for the vehicle from a third-party point-of-sale (POS) NFC reader positioned proximate a fuel pump;
detect a first user device being paired with the vehicle communication device to enable the short-range wireless communication;
determine that the first user device is associated with a first authorized user of the one or more authorized users;
automatically unlock the NFC tag to enable the NFC tag to communicate with the third-party POS NFC reader for a predefined time limit responsive to determining that the first user device is associated with the first authorized user based on detecting the first user device being paired with the vehicle communication device, the NFC tag being configured to automatically lock as a default before being unlocked and after the predefined time limit expires; and
responsive to unlocking the NFC tag:
retrieve first account payment information associated with the first authorized user; and
transmit, via the NFC tag, the first account payment information to the third-party POS NFC reader to complete the fuel transaction for the vehicle.