Automated Pairing of Payment Products and Mobile to Mobile Devices

Abstract

A computer receives card transaction data in response to a transaction using a financial services card. The card transaction data identifies at least a location, date, and time associated with the transaction. Upon receiving the card transaction data, the computer compares the card transaction data with telematics information associated with a vehicle equipped with a telematics device. The telematics information identifies at least a location of the vehicle, and a time and date associated with the location of the vehicle. On the basis of the comparison, the computer determines if the location of the transaction substantially matches the location of the vehicle at the time and date of transaction. Responsive to determining a substantial match, the computer associates the financial services card with the vehicle.

What is claimed is: 
     
         1 . A method comprising:
 receiving, at a computer, card transaction data associated with a transaction using a financial services card, the card transaction data identifying a location, a time, and a date associated with the transaction;   receiving, at the computer, telematics information associated with a vehicle, the telematics information identifying a location associated with the vehicle, and a time and a date for the vehicle location;   comparing, by the computer, the card transaction data and telematics information to determine that the location, the time, and the date associated with the transaction substantially matches the location associated with the vehicle, the time and the date for the vehicle location respectively; and   responsive to determining that the location, the time, and the date associated with the transaction substantially matches the location associated with the vehicle, the time and the date for the vehicle location, respectively, associating the financial services card with the vehicle.   
     
     
         2 . The method of  claim 1 , further comprising:
 receiving, by the computer, device information associated with a mobile computing device of a driver of the vehicle, the device information identifying a location of the mobile computing device and a time and date for the mobile computing device location;   comparing, by the computer, to determine that the location associated with the vehicle, the time and the date for the vehicle location substantially matches the location associated with the vehicle, the time and the date for the mobile computing device location, respectively; and   responsive to determining that the location associated with the vehicle, the time and the date for the vehicle location substantially matches the location associated with the vehicle, the time and the date for the mobile computing device location, respectively, associating the vehicle with the mobile computing device and the driver of the vehicle.   
     
     
         3 . The method of  claim 1 , wherein the telematics information is received from a telematics device associated with the vehicle. 
     
     
         4 . The method of  claim 3 , wherein the telematics device is triggered to transmit the telematics information at each start and stop event of the vehicle's engine. 
     
     
         5 . The method of  claim 3 , wherein the telematics device is triggered to transmit the telematics information upon crossing a geo-fence. 
     
     
         6 . The method of  claim 3 , wherein the telematics device is triggered to transmit the telematics information in periodic intervals. 
     
     
         7 . The method of  claim 1 , further comprising reinforcing the association of the financial service card to the vehicle by repeating the comparison using card transaction data associated with a subsequent transaction. 
     
     
         8 . A method comprising:
 receiving, at a computer, a signal comprising card transaction data associated with a transaction using a financial services card, the card transaction data identifying a location, a time, and a date associated with the transaction;   receiving, at the computer, a signal comprising telematics information associated with a vehicle, the telematics information identifying a location associated with the vehicle, and a time and a date for the vehicle location;   receiving, by the computer, a signal comprising device information associated with a mobile computing device of a driver of the vehicle, the device information identifying a location of the mobile computing device and a time and date for the mobile computing device location;   comparing, by the computer, the card transaction data and telematics information to determine that the location, the time, and the date associated with the transaction substantially matches the location associated with the vehicle, the time and the date for the vehicle location, respectively;   responsive to determining that the location, the time, and the date associated with the transaction substantially matches the location associated with the vehicle, the time and the date for the vehicle location, respectively, associating the financial services card with the vehicle;   comparing, by the computer, to determine that the location associated with the vehicle, the time and the date for the vehicle location substantially matches the location associated with the vehicle, the time and the date for the mobile computing device location, respectively; and   responsive to determining that the location associated with the vehicle and the time and the date for the vehicle location substantially matches the location associated with the vehicle and the time and the date for the mobile computing device location, respectively, associating the vehicle with the mobile computing device and the driver of the vehicle.   
     
     
         9 . The method of  claim 8 , wherein the telematics information is received from a telematics device associated with the vehicle. 
     
     
         10 . The method of  claim 9 , wherein the telematics device is triggered to transmit the telematics information at each start and stop event of the vehicle's engine. 
     
     
         11 . The method of  claim 9 , wherein the telematics device is triggered to transmit the telematics information upon crossing a geo-fence. 
     
     
         12 . The method of  claim 9 , wherein the telematics device is triggered to transmit the telematics information in periodic intervals. 
     
     
         13 . The method of  claim 8 , further comprising reinforcing the association of the financial service card to the vehicle by repeating the comparison using card transaction data associated with a subsequent transaction. 
     
     
         14 . A system comprising:
 a telematics device, associated with the vehicle, configured to transmit a wireless signal comprising telematics information associated with a vehicle, the telematics information identifying a location associated with the vehicle, and a time and a date for the vehicle location;   a computer configured to receive the signal comprising the telematics information and a signal comprising card transaction data associated with a transaction using a financial services card, the card transaction data identifying a location, a time, and a date associated with the transaction;
 the computer further configured to compare the card transaction data and telematics information to determine that the location, the time, and the date associated with the transaction substantially matches the location associated with the vehicle, the time and the date for the vehicle location respectively; and 
 responsive to determining that the location, the time, and the date associated with the transaction substantially matches the location associated with the vehicle, the time and the date for the vehicle location, respectively, the computer outputs a determination that the financial services card is associates with the vehicle. 
   
     
     
         15 . The system of  claim 14 , wherein the telematics device transmits the signal comprising telematics information at one of a start event and a stop event for the vehicle's engine. 
     
     
         16 . The system of  claim 14 , wherein the telematics device transmits the signal comprising the telematics information in response to a determination that the vehicle has crossed a geo-fence. 
     
     
         17 . The system of  claim 14 , wherein the telematics device is configured to transmit the telematics information in periodic intervals.