Card-personalization system

• US 10,425,406 B2
• Filed: 04/01/2016
• Issued: 09/24/2019
• Est. Priority Date: 04/01/2015
• Status: Active Grant

• Current Assignee: Truist Bank (Private Banking) (Truist Financial Corp.)
• Original Assignee: Branch Banking & Trust Company (Truist Financial Corp.)
• Inventors: Douglas-Middleton, Elliotte, Mathes, Nicole Riggs, Panda, Madhusadan, Herring, Jennifer Kay, Lyttle, Charles C., Kumar, Alok
• Primary Examiner(s): Reza, Mohammad W
• Assistant Examiner(s): Lin, Amie C.
• Application Number:
  US15/088,483
• Publication Number:
  US 20160294820A1
• Time in Patent Office: 1,271 Days
• CPC Class Codes: G06F 21/00 Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
• CPC Class Codes: G06F 21/34 involving the use of external additional devices, e.g. dongles or smart cards
• CPC Class Codes: G06F 2221/2115 Third party
• CPC Class Codes: G06Q 20/355 Personalisation of cards for use
• 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: H04L 63/0853 using an additional device, e.g. smartcard, SIM or a different communication terminal cryptographic mechanisms or cryptographic arrangements for entity authentication involving additional secure or trusted devices H04L9/3234

Abstract

A personalized card may be generated using a card-personalization system accessible via multiple access points on a network. In some aspects, the personalized card may include a physical card having an image selected by a user in a card-personalization process. The user may be assigned a code that may both authenticate the user to access the card-personalization system and identify a position of the user in the card-personalization process. The card-personalization process may include a selection process for selecting an image, an approval process for approving the image, and a creation process for generating the personalized card including the image.

Claims

1. A system comprising:

a processing device configured for communicating through multiple access points of a network to exchange information with a user, the multiple access points comprising a plurality of different devices and a plurality of different communication channels; and

a memory device accessible to the processing device and including instructions executable by the processing device to cause the processing device to;

generate a graphical user interface for a process for personalizing a physical card, wherein the process is formed from a plurality of steps that includes at least (a) receiving an image or a selection of the image from the user, and (b) associating the image with a personalization plan for the physical card;

receive a code from the user via a device, wherein the code was previously generated by the processing device and provided to the user to enable the user to access the graphical user interface and avoid inputting user-specific authentication information, and wherein the code is a unique set of characters;

in response to receiving the code, authenticate the device based on the code and determine a current step of the user in the process based on the code by accessing a database that includes a relationship between (i) the code, and (ii) a status identifier indicating the current step of the user in the process;

in response to authenticating the device and determining the current step of the user in the process, update the graphical user interface to reflect the current step of the user in the process;

determine that the process is complete in response to receiving manual confirmation from an agent that the image includes acceptable subject matter; and

in response to determining that the process is complete, electronically transmit the image and the personalization plan for the physical card to a printing subsystem for generating a personalized card for the user using the personalization plan for the physical card.

2. The system of claim 1, further comprising the database, wherein the database is also configured to store the image and the personalization plan.

3. The system of claim 1, wherein the memory device includes additional instructions executable by the processing device to cause the processing device to:

modify the status identifier to indicate a next step of the user in response to a signal indicating that the current step is complete.

4. The system of claim 1, wherein the memory device includes additional instructions executable by the processing device to cause the processing device to generate one or more user interfaces collectively forming the graphical user interface and corresponding to the plurality of steps, the one or more user interfaces including:

a first interface corresponding to a first step of receiving the code from the user via the device and including a first input option to receive the code from the user; and

a second interface corresponding to a second step of receiving the image or the selection of the image from the user and including a second input option to receive the image or the selection of the image from the user.

5. The system of claim 1, further including a code generator for generating the code, the code including a random set of alphanumeric characters, wherein the memory device includes additional instructions executable by the processing device to cause the processing device to:

generate the code using the code generator in response to a request to personalize the physical card; and

transmit the code to the user via the network in an electronic message, the electronic message including a link corresponding to an access point of the multiple access points.

6. The system of claim 1, wherein the memory device includes additional instructions executable by the processing device to cause the processing device to:

implementing an approval process for the image by;

identifying one or more properties of the image; and

determining an approval status of the image by comparing the one or more properties to one or more image requirements corresponding to the one or more properties;

determine that the current step corresponds to;

a first step of receiving a new image or a selection of the new image from the user subsequent to the approval status indicating that the image is rejected;

or

a second step of associating the image to the personalization plan for the physical card subsequent to the approval status indicating that the image is approved; and

update the graphical user interface to inform the user of the approval status and the current step in the process.

7. The system of claim 6, wherein the one or more properties of the image includes a resolution and a size, wherein the one or more image requirements include a resolution threshold corresponding to a minimum resolution for approving the image and a size range corresponding to an acceptable range of sizes for approving the image, and wherein the memory device includes additional instructions executable by the processing device to cause the processing device to:

receive the image from the user;

extract metadata associated with the image, the metadata including resolution metadata corresponding to the resolution of the image and size metadata corresponding to the size of the image;

store the image and the metadata in one or more databases accessible to an image analyzer; and

modify the status identifier to correspond to the current step in response to an approval signal indicating that the image analyzer has approved or rejected the image, wherein the image analyzer is configured to determine the approval status of the image by;

comparing the resolution metadata to the resolution threshold; and

comparing the size metadata to the size range, wherein the approval status is indicative of an approval of the image in response to the image analyzer determining that (1) the resolution metadata is at or above the resolution threshold and (2) the size metadata is within the size range, wherein the approval status is indicative of a rejection of the image in response to the image analyzer determining that (1) the resolution metadata is below the resolution threshold or (2) the size metadata is outside of the size range.

8. The system of claim 1, wherein the memory device includes additional instructions executable by the processing device to cause the processing device to:

generate a report including the code and the image;

transmit the report to the agent to manually review a subject matter of the image;

receive an approval report including the code and an approval status corresponding to an approval of the image subsequent to the agent determining that the subject matter of the image is acceptable;

modify the status identifier in the database to indicate a next step in the plurality of steps based on the approval status, the next step including the printing subsystem applying data from the personalization plan to the physical card to generate the physical card; and

update the graphical user interface to inform the user of the approval status and the next step in the process.

9. The system of claim 1, further comprising the printing subsystem, wherein the printing subsystem is configured to apply data from the personalization plan and the image to the physical card to generate the personalized card, wherein the personalized card is a payment card associated with an account of the user, wherein the personalization plan includes account information corresponding to the account of the user and stored in a secure location that is only accessible to the processing device subsequent to an approval of the image, the account information including an account number associated with the account, a name of the user associated with the account, an expiration date for the payment card, wherein the memory device includes additional instructions executable by the processing device to cause the processing device to retrieve the image and the personalization plan from the secure location using the code.

10. A method, comprising:

generating, by a processing device, a graphical user interface for a process for personalizing a physical card, wherein the process is formed from a plurality of steps that includes at least (a) receiving an image or a selection of the image from a user, and (b) associating the image with a personalization plan for the physical card;

receiving, by the processing device, a code from the user via a device, wherein the code was previously generated by the processing device and provided to the user to enable the user to access the graphical user interface and avoid inputting user-specific authentication information, wherein the code is a unique set of characters;

in response to receiving the code, authenticating, by the processing device, the device based on the code;

determining, by the processing device, the current step of the user in the process based on the code by accessing a database that includes a relationship between (i) the code, and (ii) a status identifier indicating the current step of the user in the process;

in response to authenticating the device and determining the current step of the user in the process, updating, by the processing device, the graphical user interface to reflect the current step of the user in the process;

determining, by the processing device, that the process is complete in response to receiving manual confirmation from an agent that the image includes acceptable subject matter; and

in response to determining that the process is complete, electronically transmitting, by the processing device, the image and the personalization plan for the physical card to a printing subsystem for generating a personalized card for the user using the personalization plan for the physical card.

11. The method of claim 10, further comprising:

generating one or more user interfaces collectively forming the graphical user interface and corresponding to the plurality of steps, the one or more user interfaces including one of;

a first interface corresponding to a first step of receiving the code from the user via the device and including a first input option to receive the code from the user; and

a second interface corresponding to a second step of receiving the image or the selection of the image from the user and including a second input option to receive the image or the selection of the image from the user.

12. The method of claim 10, further comprising:

generating the code in response to a request to personalize the physical card, the code including a random set of alphanumeric characters;

associating the code with the user by storing the code in the database with user information corresponding to the user; and

transmitting the code electronically to the user via the network in an electronic message, the electronic message including a link to a website for accessing the graphical user interface.

13. The method of claim 10, further comprising:

transmitting a report to the agent to manually review a subject matter of the image, the report including the code and the image;

receiving an approval report including the code and an approval status corresponding to an approval of the image subsequent to the agent determining that the subject matter of the image is acceptable;

modifying the status identifier stored in the database to indicate a next step in the plurality of steps based on the approval status, the next step including the printing subsystem applying the image and data from the personalization plan to the physical card to generate the physical card; and

updating the graphical user interface to inform the user of the approval status and the next step in the process.

14. The method of claim 10, further including:

receiving, by the printing subsystem, an approved image from a secure location in memory, the approved image corresponding to the image subsequent to being approved by the agent and associated with the personalization plan;

receiving, from the secure location in the memory and by the printing subsystem, account information corresponding to an account of the user and included in the personalization plan, the account information including an account number associated with the account, a name of the user associated with the account, and an expiration date for the physical card;

receiving, by the printing subsystem, the physical card; and

applying, by the printing subsystem, the image and the account information to the physical card to generate the personalized card, the personalized card being usable as a payment card.

15. A non-transitory computer-readable medium comprising program code executable by a processing device to cause the processing device to:

generate a graphical user interface for a process for personalizing a physical card, wherein the process is formed from a plurality of steps that includes at least (a) receiving an image or a selection of the image from a user, and (b) associating the image with a personalization plan for the physical card;

receive a code from the user via a device, wherein the code was previously generated by the processing device and provided to the user to enable the user to access the graphical user interface and avoid inputting user-specific authentication information, and wherein the code is a unique set of characters;

in response to receiving the code, authenticate the device based on the code and determine a current step of the user in the process based on the code by accessing a database that includes a relationship between (i) the code, and (ii) a status identifier indicating the current step of the user in the process;

in response to authenticating the device and determining the current step of the user in the process, update the graphical user interface to reflect the current step of the user in the process;

determine that the process is complete in response to receiving manual confirmation from an agent that the image includes acceptable subject matter; and

in response to determining that the process is complete, electronically transmit the image and the personalization plan for the physical card to a printing subsystem for generating a personalized card for the user using the personalization plan for the physical card.

16. The non-transitory computer-readable medium of claim 15, further comprising program code executable by the processing device to cause the processing device to:

modify the status identifier to indicate a next step of the user in response to a signal indicating that the current step is complete.

17. The non-transitory computer-readable medium of claim 15, further comprising program code executable by the processing device to cause the processing device to:

generate a report including the code and the image;

transmit the report to the agent to manually review a subject matter of the image; and

receive an approval report including the code and an approval status corresponding to an approval of the image subsequent to the agent determining that the subject matter of the image is acceptable.

18. The non-transitory computer-readable medium of claim 17, further comprising program code executable by the processing device to cause the processing device to:

modify the status identifier stored in the database to indicate a next step in the plurality of steps based on the approval status, the next step including the printing subsystem applying the image and data from the personalization plan to the physical card to generate the physical card;

update the graphical user interface to inform the user of the approval status and the next step in the process; and

electronically transmit the image and the personalization plan for the physical card to the printing subsystem for generating a personalized card for the user using the personalization plan for the physical card.

19. The non-transitory computer-readable medium of claim 15, further comprising program code executable by the processing device to cause the processing device to:

receive an approved image from a secure location in memory, the approved image corresponding to the image subsequent to being approved by the agent and associated with the personalization plan;

receive, from the secure location in the memory, account information corresponding to an account of the user and included in the personalization plan, the account information including an account number associated with the account, a name of the user associated with the account, and an expiration date for the physical card; and

apply the image and the account information to the physical card to generate a personalized card usable as a payment card.