USING CARD IMAGE TO EXTRACT BANK ACCOUNT INFORMATION
First Claim
1. A method to complete a sales transaction, comprising:
- obtaining, by a merchant mobile device of a merchant, a digital image of a financial card of a consumer, wherein the digital image captures a code and an account number displayed in a text format on the financial card;
requesting, in response to obtaining the digital image, a payment of the sales transaction by;
extracting, by a processor of the merchant mobile device using optical character recognition of the digital image, the account number and the code,identifying a depository financial institution and a consumer financial account based on the code and the account number, respectively, wherein the consumer financial account is held at the depository financial institution and controlled by the consumer, andsending a request to the depository financial institution to transfer, via an electronic funds transfer, an amount of the payment from the consumer financial account to a merchant financial account controlled by the merchant; and
receiving, by the merchant mobile device, a confirmation of completing the electronic funds transfer,wherein the sales transaction is completed in response to the confirmation.
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Accused Products
Abstract
A method to complete a sales transaction. The method includes (a) obtaining, by a merchant mobile device, a digital image of a financial card of a consumer, wherein the digital image captures a code and an account number, (b) requesting a payment of the sales transaction by (i) extracting, by a processor of the merchant mobile device using optical character recognition, the account number and the code, (ii) identifying a depository financial institution and a consumer financial account based on the code and the account number, respectively, and (iii) sending a request to the depository financial institution to transfer an amount of the payment from the consumer financial account to a merchant financial account controlled by the merchant, and (c) receiving, by the merchant mobile device, a confirmation of completing the electronic funds transfer, wherein the sales transaction is completed in response to the confirmation.
326 Citations
23 Claims
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1. A method to complete a sales transaction, comprising:
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obtaining, by a merchant mobile device of a merchant, a digital image of a financial card of a consumer, wherein the digital image captures a code and an account number displayed in a text format on the financial card; requesting, in response to obtaining the digital image, a payment of the sales transaction by; extracting, by a processor of the merchant mobile device using optical character recognition of the digital image, the account number and the code, identifying a depository financial institution and a consumer financial account based on the code and the account number, respectively, wherein the consumer financial account is held at the depository financial institution and controlled by the consumer, and sending a request to the depository financial institution to transfer, via an electronic funds transfer, an amount of the payment from the consumer financial account to a merchant financial account controlled by the merchant; and receiving, by the merchant mobile device, a confirmation of completing the electronic funds transfer, wherein the sales transaction is completed in response to the confirmation. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A system for completing a sales transaction, comprising:
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a merchant mobile device of a merchant, configured to; obtain a digital image of a financial card of a consumer, wherein the digital image captures a code and an account number displayed in text format on the financial card, extract, using optical character recognition of the digital image, the account number and the code, and receive a confirmation of transferring, via an electronic funds transfer from a consumer financial account controlled by the consumer to a merchant financial account controlled by the merchant, an amount of a payment for the sales transaction, wherein the sales transaction is completed in response to the confirmation; a processor of a computer server; a payment engine executing on the processor and configured to; identify a depository financial institution and the consumer financial account based on the code and the account number, respectively, wherein the consumer financial account is held at the depository financial institution, and send a request to the depository financial institution to compete the electronic funds transfer; and a repository coupled to the processor and configured to store the code, the account number, and a record of the electronic funds transfer. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18)
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19. A non-transitory computer readable medium storing instructions to complete a sales transaction, the instructions comprising functionality to:
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obtain, by a merchant mobile device of a merchant, a digital image of a financial card of a consumer, wherein the digital image captures a code and an account number displayed in a text format on the financial card; request, in response to obtaining the digital image, a payment of the sales transaction by; extracting, using optical character recognition of the digital image, the account number and the code, identifying a depository financial institution and a consumer financial account based on the code and the account number, respectively, wherein the consumer financial account is held at the depository financial institution and controlled by the consumer, and sending a request to the depository financial institution to transfer, via an electronic funds transfer, an amount of the payment from the consumer financial account to a merchant financial account controlled by the merchant; and receive, by the merchant mobile device, a confirmation of completing the electronic funds transfer, wherein the sales transaction is completed in response to the confirmation. - View Dependent Claims (20, 21, 22, 23)
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Specification