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    Masterpass enables in-car payments through General Motors’ OnStar

    OnStar Go from Mastercard, IBM and GM

    MOBILE PAYMENT: Drivers will be able to make secure purchases inside their cars

    Drivers will soon be able to make purchases from within vehicles using their Masterpass account through OnStar — a subscription-based, in-car communications service and General Motors (GM) subsidiary. The Masterpass-enabled service, designed in collaboration with IBM, is to be embedded in “many GM vehicles” in 2017.

    “By embedding Masterpass within OnStar Go, Mastercard will enable drivers and passengers to safely make secure and seamless payments for goods and services using credit or debit cards stored within their Masterpass wallet,” Mastercard says.

    “With IBM Watson, OnStar Go enables merchants and brands to create new, connected driving experiences. For example, if a driver picks up breakfast from a specific restaurant that is part of the OnStar Go merchant marketplace, the restaurant would have the ability to prompt the driver to order menu items based on past order history.

    Personalised offers

    “The driver is then able to order ahead and checkout with Masterpass directly from the car and pick up his order, without having to pay at the restaurant. With time and increased usage, the merchant is able to learn more about the driver’s preferences and is able to make offers, which are delivered on the dashboard and are more personalised and contextual.”

    By combining OnStar with Watson — a cognitive technology platform available as a set of open APIs and software-as-a-service (SaaS) products — OnStar Go will also be able to enable experiences such as alerting drivers to traffic jams or letting them know when they are low on fuel and activating a fuel pump and paying from the dashboard.

    “With the customer’s consent, Watson will learn the driver’s preferences, apply machine learning and sift through data to recognise patterns in their decisions and habits,” IBM explains. “This information will allow brand and marketing professionals working with IBM and OnStar to deliver individualised, location-based interactions that directly impact their target audiences.

    Connected drivers

    “Companies in retail, fuel, hospitality, media and entertainment, restaurants and travel and transportation and more can use OnStar Go to build individualised mobile, in-vehicle experiences for a growing population of connected drivers that opt in.”

    ExxonMobil, Glympse, iHeartRadio and Parkopedia will be some of the first companies utilising the new service when it becomes available next year.

    An extension to OnStar enabled retailers to send drivers coupons tied to their specific destinations in January 2015. By the end of 2016, GM expects to have 12m OnStar-connected vehicles on the road worldwide.

    • Mark Johnson

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