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We talk about how the payment services implemented in the car dashboard work, as well as their benefits for drivers
Payment services in cars: how technology will make the driver's life easier.
135 million Americans spend 51 minutes a day in their cars, according to a 2021 Digital Drive Report study conducted by PYMNTS.com in partnership with payment giant Visa. The report says that 73% of them connect to the Internet while driving and use various web services while waiting in traffic. Drivers' habit of being online is a new commercial opportunity for businesses. According to the study, the introduction of payment technologies in cars will allow private companies to earn $ 230 billion.
According to the Digital Drive study, so far only 16.7% of drivers in the United States use a car dashboard to pay for goods and services. At the same time, most of them (56.3%) prefer to pay for their purchases using smartphones, using Google Pay or Apple Pay, or with bank cards through applications.
Jaguar, a major car manufacturer , introduced its own payment solution for connected cars in February 2021. In particular, the company has developed a touch-controlled system for paying for gasoline through the payment application of the Shell filling station network. The new service is currently only available to UK drivers, but Jaguar intends to launch it globally. At the same time, owners of Jaguar XE, XF and F-PACE models can use it.
In order to pay for gasoline, you need to launch the Shell application on the car dashboard. Then the system will independently inform the motorist about his further actions. In particular, the driver will be offered a route to the nearest Shell gas station. Arriving at a gas station, you will need to enter the number of the column and the pistol, as well as the required amount of gasoline, on the instrument panel screen.
You can pay with PayPal or Apple Pay, and Jaguar has promised to add support for Android Pay. The payment receipt is sent to the driver's email and displayed on the screen.
This year, Jaguar Land Rover introduced a digital wallet with which you can earn cryptocurrency. To receive virtual money, a motorist will need to notify the system about the situation on the roads - traffic jams, potholes, etc. The earned cryptocurrency can be used to charge an electric car.
The digital wallet is embedded in the dashboard of the car. Data on road conditions will go to navigation service providers, local authorities. While the service is in the testing phase, Jaguar F-Pace and Range Rover Velar models with a built-in digital wallet are being tested.
In April last year, Chevrolet and Shell also introduced a service for paying for fuel through an auto dashboard called Pay & Save. The payment service is based on the Marketplace trading platform, which can also be used to order food in supermarkets, book tables in restaurants, hotel rooms, and search for free parking spaces.
Thus, drivers will be able to pay for fuel at Shell filling stations through a touchscreen built into the vehicle's interior.
First, you need to click on the gas station logo on the Marketplace screen, and then select the Pay & Save service.
Next, the system generates a code to activate the column.
Then you need to confirm the transaction.
You need to pay for the service in a pre-downloaded payment application using the Fuel Rewards loyalty program.
The Marketplace platform can be installed on Chevrolet 2017MY and newer Chevrolet vehicles. It can be used so far only in the United States, but the automaker intends to introduce it in other markets.
Also in 2021, Hyundai and Xevo shared their intentions to introduce payments into the car. Last May, they announced their collaboration to create a payment service for sedans and crossovers.
The system will work according to the same principle as in the examples presented above: first, the user will need to open the My Hyundai application in the car multimedia system, select the type of fuel and petrol station. Then you should press the payment button, after which - enter the pump number and confirm the payment. Next, the system will generate an activation code that will need to be entered into the pump before refueling the car.
Smart parking benefits:
Companies such as Nokia, Hertz and Concur plan to use the solution of the German tech giant SAP for cars, parking lots and gas stations. The system operates on the basis of Nokia IMPACT IoT Platform - a platform for managing connected objects. Working together, the new service should enhance the customer experience at Hertz, a car rental company. With this system, it will be possible to pay for parking and fuel online through the vehicle dashboard.
While cars need services like fuel and parking, drivers will look for ways to automate those needs. And once they get used to the convenience of controlling such services from the dashboard of their car, they will probably want to increase the number of such opportunities.
Car maintenance is another of the most promising IoT uses in the automotive industry. By analyzing data in real time, specialized diagnostic systems can transmit information to the driver about possible vehicle malfunctions through the dashboard. As a result, the service will be able to find the nearest dealership for a timely technical inspection.
Fiat Chrysler recently introduced Uconnect Market Commerce for the 2019 and 2020 Chrysler, Dodge, Jeep and Ram models. Besides the fact that the platform can be used for paying for fuel, parking and ordering food, it can be used to book a date for maintenance.
It is worth noting that automated payments for repairs will become relevant for self-driving cars. An autonomous vehicle (with the permission of its owner) can be pre-programmed to be sent for maintenance (when the need arises). After carrying out all the diagnostic work, the system will independently write off the funds for diagnostics or repairs, and the owner of the car will receive an invoice in digital form.
Using voice commands, drivers and passengers can place and pay orders while the car is moving through the dashboard. As a result, it would be possible to avoid situations when, for example, a fast food employee hands a person a POS terminal through the window of a vehicle to pay for food. It’s not very convenient.
Similar solutions from grocery retailers could bring many benefits to drivers as well. The latter could send a list of the products they need through the auto panel, and pay for the order in the same way. After that, the driver will only have to come to the store to pick up the goods.
Earlier this year, the Japanese company Honda introduced the Honda Dream Drive system. The service was first demonstrated as a concept at CES 2017. The Japanese manufacturer's new system integrates multimedia functions into a single platform.
The driver is offered a wide range of services: reserving tables in a restaurant and groceries in a supermarket, food delivery, cinema tickets. At the same time, you can pay for them from the car dashboard - through the on-board payment system developed by Honda in conjunction with Visa and Connected Travel. In addition, the automaker has established partnerships with several other companies, including: Atom Tickets, Chevron, Phillips 66, GrubHub. He also expanded the number of payment partners by connecting Mastercard and PayPal.
The popular pizzeria chain Domino’s has provided connected car owners with the ability to order pizza through the vehicle's dashboard. To do this, the driver needs to download the AnyWare service from Domino's, after which he can place an order through the touchscreen display of the car. The platform from the network of pizzerias will initially be available to owners of GM and Hyundai car models.
In September 2018, the American company Amazon announced plans to release the Echo Auto, a device designed for in-car use. It acts as a guide for the Alexa voice assistant in the car. Echo Auto is equipped with multiple microphones and connects to the car's interactive system and the user's smartphone at the same time. As a result, the driver or passengers can interact with Alexa from their phone, and receive feedback through the car's sound system. Amazon officials said the company is in talks with a number of automakers, including Ford, BMW and Toyota, to bring the device into their vehicles.
Harman, acquired by Samsung in 2021, has unveiled its Harman Ignite 3.0 platform, integrated with Samsung Pay's digital wallet, for connected car owners. In addition, the system supports Samsung SmartThing platform. This allows connected smart devices, such as home security systems, doorbells, garage doors, etc., to be controlled directly from the passenger compartment.
Innovative payment solutions for cars.
A division of the Chinese e-commerce giant Alibaba, AutoNavi, has also joined in the development of payment services for cars . It intends to work with automaker Honda on payment systems for connected cars.
A number of payment solutions for the automotive industry were offered by IBM, one of the world's largest computer and software developers. In particular, the American corporation announced a partnership with the Swiss bank UBS and spare parts manufacturer ZF in order to develop a payment system for cars based on the blockchain. The new service must be presented in the format of the Car eWallet digital wallet.
(c) psm7.com
Payment services in cars: how technology will make the driver's life easier.
135 million Americans spend 51 minutes a day in their cars, according to a 2021 Digital Drive Report study conducted by PYMNTS.com in partnership with payment giant Visa. The report says that 73% of them connect to the Internet while driving and use various web services while waiting in traffic. Drivers' habit of being online is a new commercial opportunity for businesses. According to the study, the introduction of payment technologies in cars will allow private companies to earn $ 230 billion.
According to the Digital Drive study, so far only 16.7% of drivers in the United States use a car dashboard to pay for goods and services. At the same time, most of them (56.3%) prefer to pay for their purchases using smartphones, using Google Pay or Apple Pay, or with bank cards through applications.
Popular cases of using payment functionality in a car
Popular cases of using payment functionality in a car.Fuel payment
Paying for gas at a gas station without using a card or phone is the most popular function among drivers. They can also automatically receive notifications from their car when they are running out of gas and go to the nearest gas station. In most cases, upon arrival at the gas station, the car independently finds the fuel pump, and the driver can send a command about the amount of gasoline through the digital dashboard, see the payment amount and confirm the transaction by pressing a button or by voice.Jaguar, a major car manufacturer , introduced its own payment solution for connected cars in February 2021. In particular, the company has developed a touch-controlled system for paying for gasoline through the payment application of the Shell filling station network. The new service is currently only available to UK drivers, but Jaguar intends to launch it globally. At the same time, owners of Jaguar XE, XF and F-PACE models can use it.
In order to pay for gasoline, you need to launch the Shell application on the car dashboard. Then the system will independently inform the motorist about his further actions. In particular, the driver will be offered a route to the nearest Shell gas station. Arriving at a gas station, you will need to enter the number of the column and the pistol, as well as the required amount of gasoline, on the instrument panel screen.
You can pay with PayPal or Apple Pay, and Jaguar has promised to add support for Android Pay. The payment receipt is sent to the driver's email and displayed on the screen.
This year, Jaguar Land Rover introduced a digital wallet with which you can earn cryptocurrency. To receive virtual money, a motorist will need to notify the system about the situation on the roads - traffic jams, potholes, etc. The earned cryptocurrency can be used to charge an electric car.
The digital wallet is embedded in the dashboard of the car. Data on road conditions will go to navigation service providers, local authorities. While the service is in the testing phase, Jaguar F-Pace and Range Rover Velar models with a built-in digital wallet are being tested.
In April last year, Chevrolet and Shell also introduced a service for paying for fuel through an auto dashboard called Pay & Save. The payment service is based on the Marketplace trading platform, which can also be used to order food in supermarkets, book tables in restaurants, hotel rooms, and search for free parking spaces.
Thus, drivers will be able to pay for fuel at Shell filling stations through a touchscreen built into the vehicle's interior.
Next, the system generates a code to activate the column.
Then you need to confirm the transaction.
You need to pay for the service in a pre-downloaded payment application using the Fuel Rewards loyalty program.
The Marketplace platform can be installed on Chevrolet 2017MY and newer Chevrolet vehicles. It can be used so far only in the United States, but the automaker intends to introduce it in other markets.
Also in 2021, Hyundai and Xevo shared their intentions to introduce payments into the car. Last May, they announced their collaboration to create a payment service for sedans and crossovers.
The system will work according to the same principle as in the examples presented above: first, the user will need to open the My Hyundai application in the car multimedia system, select the type of fuel and petrol station. Then you should press the payment button, after which - enter the pump number and confirm the payment. Next, the system will generate an activation code that will need to be entered into the pump before refueling the car.
Parking payment
Drivers can also pay for parking through their vehicle's dashboard. However, parking stations must be equipped with innovative systems based on Internet of Things (IoT) technologies. Such a parking will transmit information on the availability of vacancies to the digital instrument panel of the car using OTA technology. The driver will be able to reserve a place suitable for him, the money for which will be debited automatically when he leaves the parking lot.Smart parking benefits:
- Reduced congestion: traffic volume is expected to decrease by an average of 8%.
- Reducing air pollution: 30% reduction in the number of meters / kilometers looking for a parking space.
- Time saving: Reduce 43% of the time spent looking for a parking space.
- Increased Revenue: Increased monthly profit of $ 97.30 per smart parking space.
Companies such as Nokia, Hertz and Concur plan to use the solution of the German tech giant SAP for cars, parking lots and gas stations. The system operates on the basis of Nokia IMPACT IoT Platform - a platform for managing connected objects. Working together, the new service should enhance the customer experience at Hertz, a car rental company. With this system, it will be possible to pay for parking and fuel online through the vehicle dashboard.
While cars need services like fuel and parking, drivers will look for ways to automate those needs. And once they get used to the convenience of controlling such services from the dashboard of their car, they will probably want to increase the number of such opportunities.
Maintenance payment
Payment for maintenance through the car dashboard.Car maintenance is another of the most promising IoT uses in the automotive industry. By analyzing data in real time, specialized diagnostic systems can transmit information to the driver about possible vehicle malfunctions through the dashboard. As a result, the service will be able to find the nearest dealership for a timely technical inspection.
Fiat Chrysler recently introduced Uconnect Market Commerce for the 2019 and 2020 Chrysler, Dodge, Jeep and Ram models. Besides the fact that the platform can be used for paying for fuel, parking and ordering food, it can be used to book a date for maintenance.
It is worth noting that automated payments for repairs will become relevant for self-driving cars. An autonomous vehicle (with the permission of its owner) can be pre-programmed to be sent for maintenance (when the need arises). After carrying out all the diagnostic work, the system will independently write off the funds for diagnostics or repairs, and the owner of the car will receive an invoice in digital form.
Paying for groceries in the supermarket and ordering food in restaurants
Payments "on the go": how to buy groceries and order food through the car dashboard.Using voice commands, drivers and passengers can place and pay orders while the car is moving through the dashboard. As a result, it would be possible to avoid situations when, for example, a fast food employee hands a person a POS terminal through the window of a vehicle to pay for food. It’s not very convenient.
Similar solutions from grocery retailers could bring many benefits to drivers as well. The latter could send a list of the products they need through the auto panel, and pay for the order in the same way. After that, the driver will only have to come to the store to pick up the goods.
Earlier this year, the Japanese company Honda introduced the Honda Dream Drive system. The service was first demonstrated as a concept at CES 2017. The Japanese manufacturer's new system integrates multimedia functions into a single platform.
The driver is offered a wide range of services: reserving tables in a restaurant and groceries in a supermarket, food delivery, cinema tickets. At the same time, you can pay for them from the car dashboard - through the on-board payment system developed by Honda in conjunction with Visa and Connected Travel. In addition, the automaker has established partnerships with several other companies, including: Atom Tickets, Chevron, Phillips 66, GrubHub. He also expanded the number of payment partners by connecting Mastercard and PayPal.
The popular pizzeria chain Domino’s has provided connected car owners with the ability to order pizza through the vehicle's dashboard. To do this, the driver needs to download the AnyWare service from Domino's, after which he can place an order through the touchscreen display of the car. The platform from the network of pizzerias will initially be available to owners of GM and Hyundai car models.
Other innovative solutions for cars
How to turn a car into a payment device: other examples.In September 2018, the American company Amazon announced plans to release the Echo Auto, a device designed for in-car use. It acts as a guide for the Alexa voice assistant in the car. Echo Auto is equipped with multiple microphones and connects to the car's interactive system and the user's smartphone at the same time. As a result, the driver or passengers can interact with Alexa from their phone, and receive feedback through the car's sound system. Amazon officials said the company is in talks with a number of automakers, including Ford, BMW and Toyota, to bring the device into their vehicles.
Harman, acquired by Samsung in 2021, has unveiled its Harman Ignite 3.0 platform, integrated with Samsung Pay's digital wallet, for connected car owners. In addition, the system supports Samsung SmartThing platform. This allows connected smart devices, such as home security systems, doorbells, garage doors, etc., to be controlled directly from the passenger compartment.
Innovative payment solutions for cars.
A division of the Chinese e-commerce giant Alibaba, AutoNavi, has also joined in the development of payment services for cars . It intends to work with automaker Honda on payment systems for connected cars.
A number of payment solutions for the automotive industry were offered by IBM, one of the world's largest computer and software developers. In particular, the American corporation announced a partnership with the Swiss bank UBS and spare parts manufacturer ZF in order to develop a payment system for cars based on the blockchain. The new service must be presented in the format of the Car eWallet digital wallet.
(c) psm7.com
