CARD-PERSONALIZATION SYSTEM

• US 20160294820A1
• Filed: 04/01/2016
• Published: 10/06/2016
• 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
• Granted Patent: US 10,425,406 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• 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;

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

receive a code from a device of the plurality of different devices, the device being associated with the user;

access a location in memory and use the code and user information stored at the location in the memory to authenticate the user and determine a current step of the user in a process that includes a plurality of steps for personalizing a physical card, the plurality of steps including at least (a) receiving an image, or a selection of the image, from user input and (b) associating the image with a personalization plan for the physical card; and

transmit the image and the personalization plan for the physical card electronically 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:

a database accessible to the memory device and comprising the memory for storing the image and the personalization plan, wherein the user information stored in the database is accessible from the device using the code.

3. The system of claim 1, wherein the database further comprises a status identifier associated with the user and indicative of the current step of the user in the process,

wherein the memory device includes additional instructions executable by the processing device to cause the processing device to:

use, in response to receiving the code from the device, the status identifier to generate a user interface displayable on the device to inform the user of the current step in the process; and

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 displayable on the device 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 input 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 in response to a request to personalize the physical card, 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 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, further including an image analyzer actuatable, in response to a signal indicative that the image is received from the user input, to approve 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,

wherein the memory device includes additional instructions executable by the processing device to cause the processing device to;

determine, in response to receiving the code from the device, the current step in the plurality of steps for personalizing the physical card using a status identifier stored in the memory and indicative of the current step, the current step corresponding to;

a first step of receiving a new image or a selection of the new image from the user input 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

generate, in response to receiving the code from the device, a user interface displayable on the device 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,

wherein the memory device includes additional instructions executable by the processing device to cause the processing device to:

receive the image from the user input;

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 a database accessible to the 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 determining 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 an agent to manually review a subject matter of the image;

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

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

generate, in response to receiving the code from the device, a user interface displayable on the device 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 couplable to a database including the personalization plan 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 in the database 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:

receiving a code from a user via a device of a plurality of user devices couplable to a card-personalization system that is accessible to the plurality user devices through multiple access points of a network;

authenticating the user from the device by accessing a location in a memory of the card-personalization system and comparing the code to a stored code that is associated with the user in the memory;

determining a current step of the user in a process that includes a plurality of steps for personalizing a physical card, the plurality of steps including at least (a) receiving an image, or a selection of the image, from user input and (b) associating the image with a personalization plan for the physical card; and

transmitting the image and the personalization plan for the physical card electronically 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, wherein determining the current step of the user in the process includes retrieving a status identifier indicative of the current step from a database comprising the memory, the status identifier being associated with the code in the database, the method further comprising using, in response to receiving the code from the device and authenticating the user, the status identifier to generate a user interface displayable on the device to inform the user of the current step.

12. The method of claim 10, further comprising:

generating one or more user interfaces displayable on the device and corresponding to the plurality of steps, the one or more user interfaces including one of;

a first user interface corresponding to a step in the plurality of steps of receiving the image, or the selection of the image, from the user input and including an input option to receive the image or the selection of the image from the user via the device; and

a second user interface displayable on the device and generated in response to receiving the code from the user, the third user interface including status information informing the user of the current step of the user in the process based on a status identifier associated with the user in the memory.

13. 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 to the user by storing the code in the location in the memory 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 corresponding to an access point of the multiple access points.

14. The method of claim 10, further comprising:

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

receiving an approval report from the image 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 an acceptable subject matter;

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

generating, in response to receiving the code from the user via the device, a user interface displayable on the device to inform the user of the approval status and the next step in the process.

15. The method of claim 10, further including:

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

receiving, 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;

receiving the physical card;

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

16. A non-transitory computer-readable medium comprising program code executable by 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, the program code being executable by the processing device to cause the processing device to:

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

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;

receive the code from the user via a device of a plurality of user devices;

authenticate the user from the device by accessing a location in a memory and comparing the code to a stored code that is associated with the user in the memory; and

determine a current step of the user in a process that includes a plurality of steps for personalizing the physical card, the plurality of steps including at least (a) receiving an image, or a selection of the image, from user input and (b) associating the image with a personalization plan for the physical card.

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

determine the current step of the user in the process by retrieving a status identifier indicative of the current step from a database comprising the memory, the status identifier being associated with the code in the database;

use, in response to receiving the code from the device and authenticating the user, the status identifier to generate a user interface displayable on the device to inform the user of the current step in the process; and

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

18. The non-transitory computer-readable medium of claim 16, 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 an agent to manually review a subject matter of the image; and

receive an approval report from the image 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 an acceptable subject matter.

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

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

generate, in response to receiving the code from the user via the device, a user interface displayable on the device to inform the user of the approval status and the next step in the process; and

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

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

receive an approved image from a secure location in the memory, the approved image corresponding to the image subsequent to being approved by an 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;

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