Device including image with multiple layers

• US 10,311,441 B2
• Filed: 03/05/2018
• Issued: 06/04/2019
• Est. Priority Date: 08/23/2008
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Markison, Timothy
• Primary Examiner(s): Mizrahi, Diane D
• Application Number:
  US15/912,236
• Publication Number:
  US 20180197179A1
• Time in Patent Office: 456 Days
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/3274 using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/3572 Multiple accounts on card
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/12 Accounting
• CPC Class Codes: G06V 30/142 using hand-held instruments; Constructional details of the instruments
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: G07F 7/0833 Card having specific functional components
• CPC Class Codes: G07F 7/0846 On-card display means

Abstract

A mobile device is disclosed. The mobile device includes an image including a transactional image layer and a master image layer. The mobile device can be used to conduct transactions.

Claims

1. A method comprising:

detecting, by a processor in a mobile device, an initiation of a transaction using the mobile device;

sending, by the processor, a retrieval message to a remote server computer via a communications network, the retrieval message including an identifier associated with the mobile device, wherein the remote server computer

receives the retrieval message from the mobile device,

retrieves a transactional image layer from a memory based on the identifier associated with the mobile device, and

provides the transactional image layer to the mobile device; and

displaying, by the processor, image data including the transactional image layer and a master image layer via a display of the mobile device.

2. The method of claim 1, wherein the transactional image layer includes at least one of transactional data associated with the mobile device and transactional data for the transaction.

3. The method of claim 1, wherein the mobile device is a mobile phone.

4. The method of claim 1, wherein the transactional image layer comprises an available balance associated with the identifier for the mobile device.

5. The method of claim 1, further comprising:

converting, by a wireless transceiver of the mobile device, the retrieval message to a radio frequency signal prior to sending the retrieval message to the remote server computer.

6. The method of claim 1, wherein the communications network is a wireless communications network.

7. The method of claim 1, wherein the transactional image layer comprises data relating to a current purchase.

8. The method of claim 1, wherein the remote server computer further:

retrieves the master image layer from the memory based on the identifier associated with the mobile device,

processes the master image layer and the transactional image layer to generate the image data, and

transmits the image data to the mobile device.

9. The method of claim 1, wherein the master image layer is retrieved from a memory in the mobile device.

10. The method of claim 1, wherein the master image layer is retrieved from a memory in the mobile device, and the processor in the mobile device generates the image data.

11. A mobile device comprising:

a processor; and

a display coupled to the processor;

a non-transitory computer-readable storage medium coupled to the processor, comprising code executable by the processor for implementing a method comprising;

detecting, by the processor in the mobile device, an initiation of a transaction using the mobile device;

sending, by the processor, a retrieval message to a remote server computer via a communications network, the retrieval message including an identifier associated with the mobile device, wherein the remote server computer

receives the retrieval message from the mobile device,

retrieves a transactional image layer from a memory based on the identifier associated with the mobile device, and

provides the transactional image layer to the mobile device; and

displaying, by the processor, image data including the transactional image layer and a master image layer via the display of the mobile device.

12. The mobile device of claim 11, wherein the transactional image layer includes at least one of transactional data associated with the mobile device and transactional data for the transaction.

13. The mobile device of claim 11, wherein the mobile device is a mobile phone.

14. The mobile device of claim 11, wherein the transactional image layer comprises an available balance associated with the identifier for the mobile device.

15. The mobile device of claim 11, wherein the method further comprises:

converting, by a wireless transceiver of the mobile device, the retrieval message to radio frequency signal prior to sending the retrieval message to the remote server computer.

16. The mobile device of claim 11, wherein the communications network is a wireless communications network.

17. The mobile device of claim 11, wherein the transactional image layer comprises data relating to a current purchase.

18. The mobile device of claim 11, wherein the remote server computer further:

retrieves the master image layer and the transactional image layer from the memory based on the identifier associated with the mobile device,

processes the master image layer and the transactional image layer to generate the image data, and

transmits the image data to the mobile device.

19. The mobile device of claim 11, wherein the master image layer is retrieved from a memory in the mobile device.

20. The mobile device of claim 11, wherein the master image layer is retrieved from a memory in the mobile device, and the processor in the mobile device generates the image data.