DISPLAYING PAYMENT INSTRUMENT ART

• US 20140040125A1
• Filed: 12/27/2012
• Published: 02/06/2014
• Est. Priority Date: 07/31/2012
• Status: Abandoned Application

• Current Assignee: Google LLC (Alphabet Inc.)
• Original Assignee: Google LLC (Alphabet Inc.)
• Inventors: Kunz, William Dennis, Park, Brian Taewon, Christoff, Max
• Application Number:
  US13/728,619
• Publication Number:
  US 20140040125A1
• Time in Patent Office: Days
• US Class Current: 705/41
• CPC Class Codes: G06K 5/00 Methods or arrangements for verifying the correctness of markings on a record carrier; Column detection devices
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/351 Virtual cards
• CPC Class Codes: G06Q 20/354 Card activation or deactivation
• CPC Class Codes: G06Q 20/3572 Multiple accounts on card
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/00 Commerce
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

Displaying payment instrument art in a proxy card transaction includes a proxy card system that employs a server configured for receiving a plurality of electronic image files for financial payment instruments; receiving information identifying guidelines for determining which of the plurality of electronic image files is appropriate for the corresponding plurality of financial payment instruments; receiving a request to associate a payment instrument with a proxy card account maintained by the one or more computing devices, the request comprising information identifying the payment instrument, the payment instrument being associated with a payment instrument account maintained by a payment instrument system; determining a particular one of the electronic image files associated with the status of the payment instrument account; receiving a verification of the particular one of the electronic image files; and displaying the verified particular one of the electronic image files with the payment instrument on the user computing device.

Claims

1. A computer-implemented method to display payment instrument art on user computing devices, comprising:

receiving, using one or more computing devices, a plurality of electronic image files for a plurality of art available for a corresponding plurality of financial payment instruments;

receiving, using the one or more computing devices, guidelines for determining which of the plurality of electronic image files is appropriate for the corresponding plurality of financial payment instruments;

receiving, using the one or more computing devices, a request to associate a payment instrument with a proxy card account maintained by the one or more computing devices, the request comprising information identifying the payment instrument, the payment instrument being associated with a payment instrument account maintained by a payment instrument system;

identifying, using the one or more computing devices, a status of the payment instrument account on the payment instrument system;

determining, using the one or more computing devices, a particular one of the electronic image files associated with the status of the payment instrument account, the particular one of the electronic image files being determined based at least in part on the guidelines;

receiving, using the one or more computing devices and from a user computing device, a verification of the particular one of the electronic image files; and

displaying, using the one or more computing devices, the verified particular one of the electronic image files with the payment instrument on the user computing device, the displaying step being performed at the time of a transaction using the payment instrument on the user computing device or upon request input into the user computing device.

2. The computer-implemented method of claim 1, further comprising:

displaying, using the one or more computing devices, one or more options for the particular one of the electronic image files for selection on the user computing device; and

receiving, using the one or more computing devices and from the user computing device, a selection of the particular one of the electronic image files to be associated with the payment instrument.

3. The computer-implemented method of claim 2, further comprising:

receiving, using the one or more computing devices, electronic art input into the user computing device, the submitted electronic art complying with the guidelines; and

incorporating, using the one or more computing devices, the submitted art into the options.

4. The computer-implemented method of claim 2, further comprising:

determining, using the one or more computing devices, that the payment instrument account has encountered a change of status;

determining, using the one or more computing devices, if the status of the payment instrument account requires a new electronic image file based at least in part on the guidelines and the change of status; and

updating, using the one or more computing devices, the particular one of the electronic image files associated with the payment instrument based on the guidelines and the change of status.

5. The computer-implemented method of claim 1, the information identifying the payment instrument comprising an issuer identification number.

6. The computer-implemented method of claim 1, the payment instrument comprising a credit card, a debit card, a stored value card, a loyalty card, a peer-to-peer transaction account, a value added service account, or a bank account.

7. The computer-implemented method of claim 1, each of the electronic image files comprising a virtual representation of a physical card associated with the payment instrument.

8. The computer-implemented method of claim 7, the virtual representation comprising a color of the card, a picture on the card, or a set of written text on the card.

9. A computer program product, comprising:

a non-transitory computer-readable storage device having computer-readable program instructions embodied thereon that when executed by a computer perform a method to display digital wallet object art on user computing devices, the computer-readable program instructions comprising;

computer program instructions to receive a plurality of electronic image files for a plurality of art available for a corresponding plurality of digital wallet objects;

computer program instructions to receive guidelines for determining which of the plurality of electronic image files is appropriate for the corresponding plurality of digital wallet objects; and

computer program instructions to receive a request to associate a digital wallet object with an account maintained by the one or more computing devices, the request comprising information identifying the digital wallet object, the digital wallet object being associated with a digital wallet account maintained by an issuer of the digital wallet object;

computer program instructions to determine a particular one of the electronic image files associated with the status of the digital wallet account, the particular one of the electronic image files being determined based at least in part on the guidelines; and

computer program instructions to display the determined particular one of the electronic image files with the digital wallet object on the user computing device.

10. The computer program product of claim 9, further comprising:

computer-executable program instructions to receive, from a user computing device, a verification of the particular one of the electronic image files; and

computer program instructions to display the verified particular one of the electronic image files with the digital wallet object on the user computing device.

11. The computer program product of claim 9, wherein the displaying step is performed at the time of a transaction using the digital wallet object on the user computing device or upon request input into the user computing device.

12. The computer program product of claim 9, further comprising computer-executable program instructions to identify a status of the digital wallet object account on the issuer of the digital wallet object.

13. The computer program product of claim 9, the digital wallet object comprising a credit card, a debit card, a stored value card, a loyalty card, a peer-to-peer transaction account, a value added service account, or a bank account or other digital wallet account comprising an access key, an identification card, a passport, a transit card, a boarding pass, a ticket, a coupon, or any object that can be presented in exchange for goods or services or to gain access to goods or services.

14. The computer program product of claim 9, further comprising:

computer-executable program instructions to display one or more options for the particular one of the electronic image files for selection on the user computing device; and

computer-executable program instructions to receive from the user computing device, a selection of the particular one of the electronic image files to be associated with the digital wallet object.

15. The computer program product of claim 9, further comprising:

computer-executable program instructions to receive electronic art input into the user computing device, the submitted electronic art complying with the guidelines; and

computer-executable program instructions to incorporate the submitted art into the options.

16. A system to use a one-time code to display payment instrument art on user computing devices, the system comprising:

a storage resource;

a network module; and

a processor communicatively coupled to the storage resource and the network module, wherein the processor executes application code instructions that are stored in the storage resource and that cause the system to;

receive a plurality of electronic image files for a plurality of art available for a corresponding plurality of financial payment instruments;

receive guidelines for determining which of the plurality of electronic image files is appropriate for the corresponding plurality of financial payment instruments;

receive a request to associate a payment instrument with a proxy card account maintained by the one or more computing devices, the request comprising information identifying the payment instrument, the payment instrument being associated with a payment instrument account maintained by a payment instrument system;

determine a particular one of the electronic image files associated with the status of the payment instrument account, the particular one of the electronic image files being determined based at least in part on the guidelines;

receive from a user computing device, a verification of the particular one of the electronic image files; and

display the verified particular one of the electronic image files with the payment instrument on the user computing device.

17. The system of claim 16, the instructions further comprising identifying a status of the payment instrument account on the payment instrument system.

18. The system of claim 16, wherein the displaying step is performed at the time of a transaction using the payment instrument on the user computing device or upon request input into the user computing device.

19. The system of claim 16, the instructions further comprising:

displaying one or more options for the particular one of the electronic image files for selection on the user computing device; and

receiving, from the user computing device, a selection of the particular one of the electronic image files to be associated with the payment instrument.

20. The system of claim 16, the instructions further comprising:

receiving electronic art input into the user computing device, the submitted electronic art complying with the guidelines; and

incorporating the submitted art into the options.