CREDIT CARD IMAGING FOR MOBILE PAYMENT AND OTHER APPLICATIONS

• US 20120089506A1
• Filed: 12/16/2011
• Published: 04/12/2012
• Est. Priority Date: 08/23/2008
• Status: Active Grant

• Current Assignee: Timothy W. Markison
• Original Assignee: Timothy W. Markison
• Inventors: Markison, Timothy W.
• Granted Patent: US 8,583,173 B2
• Time in Patent Office: Days
• US Class Current: 705/39
• 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 payment device includes a contactless payment module, a processing module, and a display module. The contactless payment module is coupled to execute a credit payment transaction. The processing module is coupled to detect the executing of the credit payment transaction and retrieve credit image data based on the detecting. The display module is coupled to process the credit image data into a displayed credit image.

Claims

1. A mobile payment device comprises:

a contactless payment module coupled to execute a credit payment transaction;

a processing module coupled to;

detect the executing of the credit payment transaction; and

retrieve credit image data based on the detecting; and

a display module coupled to process the credit image data into a displayed credit image.

2. The mobile payment device of claim 1 further comprises:

memory that stores the credit image data, wherein the processing module retrieves the credit image data from the memory.

3. The mobile payment device of claim 1 further comprises:

a wireless transceiver operable to;

receive a radio frequency (RF) signal from a financial institution server, wherein the RF signal includes the credit image data;

recover the credit image data from the RF signal to produce recovered credit image data; and

provide the recovered credit image data to the processing module.

4. The mobile payment device of claim 1, wherein the contactless payment module comprises at least one of:

a subscriber identity module (SIM) having a radio frequency identification (RFID) interface;

a smart card with the RFID interface;

a SIM having a near field communication (NFC) interface; and

a smart card with the NFC interface.

5. The mobile payment device of claim 4, wherein the processing module further functions to retrieve the credit image data from the contactless payment module.

6. The mobile payment device of claim 1, wherein the credit image data comprises:

a master image layer; and

a design image layer.

7. The mobile payment device of claim 6, wherein the design image layer comprises at least one of:

a custom design image layer; and

one of a plurality of approved design image layers.

8. The mobile payment device of claim 6 further comprises:

a wireless transceiver operable to;

receive a radio frequency (RF) signal from a financial institution server, wherein the RF signal includes the transactional data;

recover the transactional data from the RF signal to produce recovered transactional data; and

provide the recovered transactional data to the processing module, wherein the processing module generates a transactional image layer of the credit image data based on the recovered transactional data.

9. The mobile payment device of claim 1, wherein the processing module further functions to:

detect a type of the credit payment transaction; and

retrieve one of a plurality of credit image data based on the type to provide the credit card image.

10. The mobile payment device of claim 1, wherein the processing module further functions to:

retrieve the credit image data from a plurality of credit image data in accordance with a retrieval scheme.

11. A mobile payment device comprises:

a contactless payment module coupled to execute a credit payment transaction;

a digital image sensor coupled to capture a digital image;

memory coupled to;

store a plurality of digital images that include the digital image; and

store a credit image master layer;

a processing module coupled to;

detect the executing of the credit payment transaction;

retrieve the credit image master layer from memory in accordance with the detecting;

retrieve one of the plurality of digital images from memory in accordance with the detecting; and

generate credit image data based on the credit image master layer and the one of the plurality of digital images;

a display module coupled to process the credit image data into a displayed credit image.

12. The mobile payment device of claim 11 further comprises:

a wireless transceiver operable to;

receive a radio frequency (RF) signal from a financial institution server, wherein the RF signal includes the credit image master layer;

recover the credit image master layer from the RF signal to produce recovered credit image master layer; and

provide the recovered credit image master layer to the memory for storage.

13. The mobile payment device of claim 11, wherein the retrieving of the one of the plurality of digital images by the processing module further comprises:

determining content of the one of the plurality of digital images to produce determined content;

analyzing the determined content to determine whether the determined content contains inappropriate content; and

when the determined content does not include inappropriate content, retrieving the one of the plurality of digital images from memory.

14. The mobile payment device of claim 11 further comprises:

a wireless transceiver operable to;

receive a radio frequency (RF) signal from a financial institution server, wherein the RF signal includes the transactional data;

recover the transactional data from the RF signal to produce recovered transactional data; and

provide the recovered transactional data to the processing module, wherein the processing module generates a transactional image layer of the credit image data based on the recovered transactional data.

15. The mobile payment device of claim 11, wherein the contactless payment module comprises at least one of:

a subscriber identity module (SIM) having a radio frequency identification (RFD) interface;

a smart card with the RFID interface;

a SIM having a near field communication (NFC) interface; and

a smart card with the NFC interface.

16. The mobile payment device of claim 15, wherein the processing module further functions to retrieve the credit image master layer from the contactless payment module.

17. The mobile payment device of claim 11, wherein the processing module further functions to:

retrieve the one of the plurality of digital images in accordance with a retrieval scheme.

18. A contactless payment module comprises:

a key module that contains a unique subscriber identification code and credit transactional information;

memory coupled to store credit image data;

a contactless interface coupled to transmit at least one of the unique subscriber identification code and the credit transactional information during execution of a credit transaction; and

memory interface coupled to output the credit image data during the execution of the credit transaction.

19. The contactless payment module of claim 18, wherein the contactless interface comprises at least one of:

a radio frequency identification (RFID) interface; and

a near field communication (NFC) interface.

20. The contactless payment module of claim 18, wherein the credit image data comprises:

a master image layer; and

a design image layer.

21. The contactless payment module of claim 20, wherein the design layer comprises at least one of:

a custom design image layer; and

one of a plurality of approved design image layers.

22. The contactless payment module of claim 18, wherein unique subscriber identification code comprises:

International Mobile Subscriber Identity (IMSI).

23. An apparatus comprises:

an interface;

a processing module; and

memory, wherein the processing module functions to;

receive, via the interface, a digital image;

determine content of the digital image to produce determined content;

analyze the determined content to determine whether the determined content contains inappropriate content;

when the determined content does not include inappropriate content, generate a design image layer based on the digital image;

retrieve from memory a master image layer;

process the design image layer and the master image layer to produce credit image data; and

transmit, via the interface, the credit image data.

24. The apparatus of claim 23, wherein the processing module further functions to:

receive, via the interface, an indication of execute of a credit payment transaction;

determine identity of a mobile payment device based on the indication;

generate a transactional data image layer based on at least one of transactional data of the mobile payment device and the credit payment transaction; and

generate the credit image data based on the design image layer, the master image layer, and the transactional data image layer.

25. The apparatus of claim 23 further comprises:

the processing module transmitting, via the interface, the credit image data to a mobile payment device.

26. An apparatus comprises:

an interface;

a processing module; and

memory, wherein the processing module functions to;

receive, via the interface, a request for credit image data from a mobile payment device;

retrieve the credit image data based on identity of mobile payment device; and

provide, via the interface, the credit image data to the mobile payment device.

27. The apparatus of claim 26, wherein the credit image data comprises:

a master image layer; and

a design image layer.

28. The apparatus of claim 27, wherein the design layer comprises at least one of:

a custom design image layer; and

one of a plurality of approved design image layers.

29. The apparatus of claim 27, wherein the processing module further functions to:

receive, via the interface, an indication of execute of a credit payment transaction from the mobile payment device;

generate a transactional data image layer based on at least one of transactional data of the mobile payment device and the credit payment transaction; and

generate the credit image data based on the design image layer, the master image layer, and the transactional data image layer.