Systems and methods for electronic payment instrument repository

• US 10,049,354 B2
• Filed: 06/16/2017
• Issued: 08/14/2018
• Est. Priority Date: 02/27/2013
• Status: Active Grant

• Current Assignee: Fiserv Incorporated
• Original Assignee: Fiserv Incorporated
• Inventors: Kenyon, Leah Phillips, Barlok, Todd Christopher, Sheehan, Timothy Patrick
• Primary Examiner(s): Hamilton, Lalita M
• Application Number:
  US15/624,968
• Publication Number:
  US 20170286950A1
• Time in Patent Office: 424 Days
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes

Abstract

Systems and methods that receive one or more images and based at least in part on the received images, identify information associated with a payment instrument. The information associated with the payment instrument may be stored in a payment instrument repository, such as an electronic wallet (eWallet), associated with a user. The eWallet may be accessed by the user to add, delete, or modify payment instruments and associated information in the eWallet. The eWallet may further be used by the use to initiate a financial transaction using one or more of the payment instruments associated with the eWallet.

Claims

1. A financial system, comprising:

one or more memories storing computer-executable instructions; and

one or more processors configured to access the one or more memories, wherein the one or more processors are further configured to execute the computer-executable instructions to;

receive, on behalf of a user, a front-side image that represents at least a portion of a payment instrument associated with a financial account associated with the user;

receive a back-side image depicting a back side of the payment instrument;

perform, using one or more image processing techniques, image analysis of the front-side image and the back-side image to extract one or more payment instrument data elements, wherein at least one of the one or more payment instrument data elements identifies the financial account;

identify a contact identifier associated with an owner of the payment instrument;

transmit, using the contact identifier, electronic correspondence comprising a request for authorization for the user to use the payment instrument;

in response to transmitting the electronic correspondence, receive authorization for the user to use the payment instrument; and

in response to receiving the authorization for the user to use the payment instrument, store the one or more payment instrument data elements in an electronic wallet associated with the user.

2. The financial system of claim 1, wherein the one or more processors are further configured to execute the computer-executable instructions to provide, on behalf of the user, at least one of the one or more payment instrument data elements to initiate a financial transaction drawn on the financial account.

3. The financial system of claim 1, wherein the one or more processors are further configured to execute the computer-executable instructions to authenticate the user to:

(i) create the electronic wallet associated with the user, or (ii) access the electronic wallet associated with the user, wherein the electronic wallet is pre-existing.

4. The financial system of claim 1, wherein the one or more processors are further configured to execute the computer-executable instructions to receive, on behalf of a user, a request to add or modify the payment instrument in the electronic wallet, wherein receiving the front-side image is associated with receiving the request.

5. The financial system of claim 1, wherein the one or more processors are further configured to execute the computer-executable instructions to:

transmit, for presentation to the user, an indication of at least one of the one or more payment instrument data elements; and

receive, on behalf of the user, at least one of;

(i) a confirmation of the at least one of the one or more payment instrument data elements, or (ii) modification of one or more of the at least one of the one or more payment instrument data elements.

6. The financial system of claim 1, wherein the one or more image processing techniques comprise at least one of:

(i) image filtering;

(ii) image sharpening;

(iii) modifying the orientation;

(iv) modifying the dithering of one or more pixels;

(v) modifying the contrast;

(vi) modifying the brightness;

(vii) processing metadata associated with the one or more images;

(vii) image field recognition;

(viii) text sequence recognition;

(ix) optical character recognition;

or (x) intelligent character recognition.

7. The financial system of claim 1, wherein the one or more payment instrument data elements comprise at least one of:

(i) an identification of a payment instrument type;

(ii) an identification of the financial account;

(iii) an identification of a financial account number;

(iv) an expiration date;

(v) a card verification string;

(vi) a card type;

(vii) a card association;

or (viii) a card issuer.

8. The financial system of claim 1, wherein the one or more processors are configured to store the one or more payment instrument data elements in the electronic wallet by executing the computer-executable instructions to at least one of:

(i) create a new indication of the payment instrument in the electronic wallet, or (ii) update an existing indication of the payment instrument in the electronic wallet.

9. The financial system of claim 1, wherein the one or more processors are further configured to execute the computer-executable instructions to:

receive additional parameters associated with the payment instrument, wherein the additional parameters are associated with restrictions on the financial transaction; and

store the additional parameters in the electronic wallet.

10. The financial system of claim 9, wherein the restrictions on the financial transaction includes at least one of:

(i) a spending limit per financial transaction;

(ii) a total spending limit over a predefined period of time;

or (iii) one or more merchants with which the financial transaction cannot be performed.

11. A method, comprising:

receiving, by a computerized financial system comprising one or more computers and on behalf of a user, a front-side image that represents at least a portion of a payment instrument associated with a financial account associated with the user;

receiving, by the computerized financial system, a back-side image depicting a back side of the payment instrument;

performing, by the computerized financial system, using one or more image processing techniques, image analysis of the front-side image and the back-side image to extract one or more payment instrument data elements, wherein at least one of the one or more payment instrument data elements identifies the financial account;

identifying a contact identifier associated with an owner of the payment instrument;

transmitting, using the contact identifier, electronic correspondence comprising a request for authorization for the user to use the payment instrument;

in response to transmitting the electronic correspondence, receiving authorization for the user to use the payment instrument; and

in response to receiving the authorization for the user to use the payment instrument, storing, by the computerized financial system, the one or more payment instrument data elements in an electronic wallet associated with the user.

12. The method of claim 11, further comprising providing, by the computerized financial system and on behalf of the user, at least one of the one or more payment instrument data elements to initiate a financial transaction drawn on the financial account.

13. The method of claim 11, further comprising authenticating, by the computerized financial system, the user to:

(i) create the electronic wallet associated with the user, or (ii) access the electronic wallet associated with the user, wherein the electronic wallet is pre-existing.

14. The method of claim 11, further comprising receiving, by the computerized financial system on behalf of a user, a request to add or modify the payment instrument in the electronic wallet, wherein receiving the front-side image is associated with receiving the request.

15. The method of claim 11, further comprising:

transmitting, by the computerized financial system for presentation to the user, an indication of at least one of the one or more payment instrument data elements; and

receiving, by the computerized financial system and on behalf of the user, at least one of;

(i) a confirmation of the at least one of the one or more payment instrument data elements, or (ii) modification of one or more of the at least one of the one or more payment instrument data elements.

16. The method of claim 11, wherein the one or more image processing techniques comprise at least one of:

(i) image filtering;

(ii) image sharpening;

(iii) modifying the orientation;

(iv) modifying the dithering of one or more pixels;

(v) modifying the contrast;

(vi) modifying the brightness;

(vii) processing metadata associated with the one or more images;

(vii) image field recognition;

(viii) text sequence recognition;

(ix) optical character recognition;

or (x) intelligent character recognition.

17. The method of claim 11, wherein the one or more payment instrument data elements comprise at least one of:

(i) an identification of a payment instrument type;

(ii) an identification of the financial account;

(iii) an identification of a financial account number;

(iv) an expiration date;

(v) a card verification string;

(vi) a card type;

(vii) a card association;

or (viii) a card issuer.

18. The method of claim 11, wherein storing the one or more payment instrument data elements in the electronic wallet comprises at least one of:

(i) creating a new indication of the payment instrument in the electronic wallet, or (ii) updating an existing indication of the payment instrument in the electronic wallet.

19. The method of claim 11, further comprising:

receiving, by the computerized financial system, additional parameters associated with the payment instrument, wherein the additional parameters are associated with restrictions on the financial transaction; and

storing, by the financial system, the additional parameters in the electronic wallet.

20. The method of claim 19, wherein the restrictions on the financial transaction includes at least one of:

(i) a spending limit per financial transaction;

(ii) a total spending limit over a predefined period of time;

or (iii) one or more merchants with which the financial transaction cannot be performed.