SYSTEMS AND METHODS FOR ELECTRONIC PAYMENT INSTRUMENT REPOSITORY
First Claim
Patent Images
1. A financial system, comprising:
- one or more memories storing computer-executable instructions; and
one or more processors configured to access the one or more memories, wherein the one or more processors are further configured to execute the computer-executable instructions to;
receive, on behalf of a user, a front-side image that represents at least a portion of a payment instrument associated with a financial account associated with the user;
receive a back-side image depicting a back side of the payment instrument;
perform, using one or more image processing techniques, image analysis of the front-side image and the back-side image to extract one or more payment instrument data elements, wherein at least one of the one or more payment instrument data elements identifies the financial account;
identify a contact identifier associated with an owner of the payment instrument;
transmit, using the contact identifier, electronic correspondence comprising a request for authorization for the user to use the payment instrument;
in response to transmitting the electronic correspondence, receive authorization for the user to use the payment instrument; and
in response to receiving the authorization for the user to use the payment instrument, store the one or more payment instrument data elements in an electronic wallet associated with the user.
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Accused Products
Abstract
Systems and methods that receive one or more images and based at least in part on the received images, identify information associated with a payment instrument. The information associated with the payment instrument may be stored in a payment instrument repository, such as an electronic wallet (eWallet), associated with a user. The eWallet may be accessed by the user to add, delete, or modify payment instruments and associated information in the eWallet. The eWallet may further be used by the use to initiate a financial transaction using one or more of the payment instruments associated with the eWallet.
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Citations
20 Claims
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1. A financial system, comprising:
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one or more memories storing computer-executable instructions; and one or more processors configured to access the one or more memories, wherein the one or more processors are further configured to execute the computer-executable instructions to; receive, on behalf of a user, a front-side image that represents at least a portion of a payment instrument associated with a financial account associated with the user; receive a back-side image depicting a back side of the payment instrument; perform, using one or more image processing techniques, image analysis of the front-side image and the back-side image to extract one or more payment instrument data elements, wherein at least one of the one or more payment instrument data elements identifies the financial account; identify a contact identifier associated with an owner of the payment instrument; transmit, using the contact identifier, electronic correspondence comprising a request for authorization for the user to use the payment instrument; in response to transmitting the electronic correspondence, receive authorization for the user to use the payment instrument; and in response to receiving the authorization for the user to use the payment instrument, store the one or more payment instrument data elements in an electronic wallet associated with the user. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method, comprising:
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receiving, by a computerized financial system comprising one or more computers and on behalf of a user, a front-side image that represents at least a portion of a payment instrument associated with a financial account associated with the user; receiving, by the computerized financial system, a back-side image depicting a back side of the payment instrument; performing, by the computerized financial system, using one or more image processing techniques, image analysis of the front-side image and the back-side image to extract one or more payment instrument data elements, wherein at least one of the one or more payment instrument data elements identifies the financial account; identifying a contact identifier associated with an owner of the payment instrument; transmitting, using the contact identifier, electronic correspondence comprising a request for authorization for the user to use the payment instrument; in response to transmitting the electronic correspondence, receiving authorization for the user to use the payment instrument; and in response to receiving the authorization for the user to use the payment instrument, storing, by the computerized financial system, the one or more payment instrument data elements in an electronic wallet associated with the user. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification