Augmented pre-paid cards, systems and methods

• US 10,521,817 B2
• Filed: 04/02/2014
• Issued: 12/31/2019
• Est. Priority Date: 04/02/2014
• Status: Active Grant

• Current Assignee: Nant Holdings IP, LLC (NantWorks, LLC)
• Original Assignee: Nant Holdings IP, LLC (NantWorks, LLC)
• Inventors: Soon-Shiong, Patrick
• Primary Examiner(s): Brady, Marie P
• Application Number:
  US14/243,833
• Publication Number:
  US 20150287076A1
• Time in Patent Office: 2,099 Days
• CPC Class Codes: G06Q 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G06Q 20/346 Cards serving only as information carrier of service
• CPC Class Codes: G06Q 30/0253 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0276 Advertisement creation

Abstract

Pre-paid transaction card systems and methods are described. A transaction system can include a transaction database to store transaction objects that represent characteristics of a pre-paid transaction card. A deal engine communicatively coupled with the transaction database can receive an image of a marker-less portion of the transaction card and derive a set of image descriptors from the marker-less portion. The deal engine can also identify transaction characteristics associated with the card from the transaction database using the image descriptors. In addition, the deal engine can construct a deal recommendation based on the transaction characteristics previously identified. The deal recommendation can be transmitted to a user, and in some cases, displayed to the user as an augmented reality image.

Claims

1. A transaction system for pre-paid cards comprising:

a transaction database having a plurality of transaction objects stored therein, the transaction objects each representing transaction characteristics of a transaction card, the transaction objects being stored according to associated image descriptor objects, wherein the transaction card has at least one marker-less portion, wherein characteristics of the at least one marker-less portion have not been pre-stored in a lookup database in an object-specific manner for identification purposes;

a deal engine communicatively coupled with the transaction database and communicatively coupled with a user mobile device comprising an image capture device, so that the deal engine;

receives from the user mobile device an image of at least a marker-less portion of the transaction card, the image having been captured by the image capture device;

derives a set of image descriptors from the marker-less portion, wherein at least one image descriptor of the set of image descriptors comprises a mathematical representation of an image portion, the at least one image descriptor being derived by performing one or more feature extraction algorithms on the image portion;

identifies a corresponding plurality of transaction characteristics from the transaction database and associated with the transaction card based on the image descriptors, by comparing the image descriptors with image descriptor objects saved on the transaction database and associated with various transaction cards;

constructs a first plurality of deal recommendations based on at least a subset of the plurality of transaction characteristics that includes data unique to a user of the transaction card, and another subset of the plurality of transaction characteristics that includes data unique to an original purchaser of the transaction card, the first plurality of deal recommendations corresponding to a plurality of purchases that are available to the user of the transaction card;

transmits the first plurality of deal recommendations to the user mobile device;

generates an augmented real-time image signal comprising a visual representation of the first plurality of deal recommendations overlaying a real-time video signal of the transaction card from the image capturing device; and

a marketing engine coupled with the transaction database that;

identifies a first subset of the image descriptors; and

transmits the first subset of the image descriptors to a first vendor, where the first subset of the image descriptors determine an advertising platform offer.

2. The system of claim 1, wherein the deal engine derives the set of image descriptors using scale-invariant feature transform (SIFT).

3. The system of claim 1, wherein the image comprises at least one of a still image, a video image, an augment realty image, a virtual image, and a game image.

4. The system of claim 1, wherein the deal engine transmits a first deal recommendation of the first plurality of deal recommendations to the user via a client device comprising one of a cell phone, smart phone, tablet, phablet, laptop, and computer.

5. The system of claim 1, wherein the real-time video signal includes an image of a marker-less portion of the transaction card.

6. The system of claim 5, wherein the visual representation overlays the real-time video signal proximal to the marker-less portion of the transaction card.

7. The system of claim 1, wherein the deal engine tracks a usage history of the transaction card by storing at least one usage characteristic of the transaction card in the transaction database.

8. The system of claim 1, wherein the image descriptors are bound to at least one of time, location, and context.

9. The system of claim 1, wherein the image descriptors are bound to at least one of a deal and a promotion.

10. A method of facilitating redemption of a transaction card, comprising the steps of:

receiving, from a user mobile device comprising an image capture device, an image, captured by the image capture device, of a marker-less portion of the transaction card, wherein characteristics of the marker-less portion have not been pre-stored in a lookup database in an object-specific manner for identification purposes;

deriving a set of image descriptors from the marker-less portion, wherein at least one image descriptor of the set of image descriptors comprises a mathematical representation of an image portion, the at least one image descriptor being derived by performing one or more feature extraction algorithms on the image portion;

identifying a corresponding plurality of transaction objects, each transaction object representing transaction characteristics of the transaction card, and being stored on a transaction database, the transaction objects being stored according to associated image descriptor objects, by comparing the image descriptors with image descriptor objects stored on the transaction database and associated with various transaction cards;

constructing a first deal recommendation of a first plurality of deal recommendations based on at least a subset of the transaction characteristics that includes data unique to a user of the transaction card, and another subset of the plurality of transaction characteristics that includes data unique to an original purchaser of the transaction card;

transmitting the first plurality of deal recommendations to the user mobile device;

displaying an augmented real-time video signal to the user comprising a visual representation of the first plurality of deal recommendations overlaying a real-time video signal of the transaction card;

identifying a current value of the transaction card;

identifying a plurality of deals that fall within a predetermined range of the current value of the transaction card;

identifying, by a marketing engine coupled with a transaction database, a first subset of the image descriptors, and

transmitting, by the marketing engine, the first subset of the image descriptors to a first vendor as an advertising platform offer.

11. The method of claim 10, wherein the step of constructing a first deal recommendation based on at least one of the transaction characteristics further comprises ranking the plurality of deals according to a savings value of each of the deals, wherein the savings value is defined by a regular purchase price minus a discount purchase price.

12. The method of claim 10, wherein the step of constructing a first deal recommendation based on at least one of the plurality of transaction characteristics further comprises:

receiving a deal selection criteria from the user; and

ranking the plurality of deals according to the deal selection criteria.

13. The method of claim 12, wherein the deal selection criteria comprises at least one of a type of good, a type of service, a price range, and a transaction type.

14. The method of claim 10, wherein the predetermined range is from 0 up to no more than the current value.

15. The method of claim 10, wherein the predetermined range is from 0 to no more than 20% of the current value.

16. The method of claim 10, wherein the deal recommendation comprises a promotion associated with at least one of a good and service.

17. The method of claim 10, wherein at least one of the plurality of transaction characteristics is one of a buyer name, purchase date, purchase time, retail store, purchase location, beneficiary name, beneficiary gender, beneficiary age, and gift event.

18. The method of claim 10, wherein the transaction card comprises at least one of the following:

a gift card, a loyalty card, a health card, a credit card, a pre-paid debit card, a rebate card, a points card.

19. The method of claim 10, wherein the visual representation of the first plurality of deal recommendations further comprises a hyperlink to an online website that offers for sale a good or service associated with the first deal recommendation.

20. The method of claim 10, wherein the first deal recommendation is a daily deal corresponding to a first date.

21. The method of claim 10, further comprising the steps of:

constructing a second deal recommendation based on a characteristic of a purchase transaction, the second deal recommendation comprising a daily deal corresponding to a second date; and

transmitting the second deal recommendation to a user of the transaction card.

22. The method of claim 10, wherein the marker-less portion of the transaction card comprises one of a logo, a hologram, and a user image.

23. The method of claim 10, wherein the step of deriving a set of image descriptors from the marker-less portion includes the step of performing at least one of the following algorithmic methods:

scale-invariant feature transform (SIFT), features from accelerated segment test (FAST), binary robust independent elementary feature (BRIEF), oriented fast and rotated BRIEF (ORB), binary robust invariant scalable keypoints (BRISK), fast retina keypoint (FREAK), speed-up robust feature (SURF), visual simultaneous localization and mapping (vSLAM), simultaneous localization and mapping (SLAM), and based upon related sequence types (BURST).