CUSTOMIZABLE PAYMENT SYSTEMS, DEVICES, AND METHODS, AND VISUALIZATION THEREOF

• US 20200134605A1
• Filed: 10/26/2018
• Published: 04/30/2020
• Est. Priority Date: 10/26/2018
• Status: Abandoned Application

• Current Assignee: Christina Susanto, Evita V. Grant
• Original Assignee: Christina Susanto, Evita V. Grant
• Inventors: Grant, Evita V., Susanto, Christina
• Application Number:
  US16/171,367
• Publication Number:
  US 20200134605A1
• Time in Patent Office: Days
• 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 20/351 Virtual cards
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 30/0215 Including financial accounts

Abstract

Provided herein are payment systems, methods, and devices with customizable features. A user may select, modify, or remove one or more features from a payment system, method, and/or device. In some instances, the selected features may be visible to the user on the payment medium or instruments. The payment medium may be tangible, such as in the form of a card or other plastic material. The payment medium may be virtual, and accessible via one or more user devices via a user interface. For example, the user interface can be a graphical user interface (GUI) and/or a web-based interface. The payment system may be a mobile payment system.

Claims

1. A virtual payment system, comprising a graphical user interface displaying a virtual card, wherein the virtual card comprises graphical representations of one or more customizable features selected by a user, wherein the one or more customizable features (i) define one or more financial capabilities of the virtual card, and (ii) are selected from the group consisting of:

single-use, reloadable, international, domestic, direct deposit, reward, gift, shared, savings, elder support, and allowance.

2. The virtual payment system of claim 1, wherein the one or more customizable features can be modified.

3. The virtual payment system of claim 1, further comprising a tangible card associated with the virtual card, wherein the tangible card comprises the one or more customizable features selected by the user.

4. The virtual payment system of claim 1, further comprising a display window, wherein the graphical user interface is communicatively coupled to a processor capable of obtaining information about financial credit associated with the virtual card, and wherein the display window is configured to show the information about the financial credit associated with said virtual card.

5. The virtual payment system of claim 4, wherein the virtual card is a prepaid card and the information about the financial credit associated with the virtual card is an available balance of the virtual card.

6. The virtual payment system of claim 4, wherein the information about the financial credit associated with the virtual card is selected from the group consisting of available balance, amount spent, rewards accumulated, and rewards spent.

7. The virtual payment system of claim 4, further comprising a plurality of display windows, wherein each of the plurality of display windows shows a different type of information about the financial credit associated with the virtual card.

8. A method for creating a virtual card, comprising:

(a) presenting a user, on a graphical user interface, with a graphical representation of the virtual card and an option menu comprising graphical representations or textual representations or both of a plurality of customizable features, wherein the plurality of customizable features define the financial capabilities of the virtual card;

(b) receiving, from the user, a selection for a subset of the plurality of customizable features; and

(c) displaying the respective graphical representations of the subset of the plurality of customizable features on the graphical representation of the virtual card.

9. The method of claim 8, wherein the plurality of customizable features are selected from the group consisting of:

single-use, reloadable, international, domestic, direct deposit, reward, gift, shared, savings, elder support, and allowance.

10. The method of claim 8, wherein the respective graphical representations of the subset of the plurality of customizable features are displayed on the graphical representation of the virtual card in real-time as the selection is received from the user.

11. The method of claim 10, wherein the graphical representation of the virtual card is updated in real-time with each selection of each of the subset of the plurality of customizable features.

12. The method of claim 8, further comprising receiving, from the user, a modification to the selection for the subset, and updating the graphical representation of the virtual card with the modification.

13. The method of claim 12, wherein the modification comprises adding or removing a customizable feature to or from the subset.

14. The method of claim 8, further comprising issuing a tangible card associated with the virtual card, wherein the tangible card comprises the subset of the plurality of customizable features.

15. The method of claim 8, wherein the graphical representation of the virtual card comprises a display window showing information about a financial credit associated with the virtual card.

16. The method of claim 15, wherein the virtual card is a prepaid card and the information about the financial credit associated with the virtual card is an available balance of the virtual card.

17. The method of claim 15, wherein the information about the financial credit associated with the virtual card is selected from the group consisting of available balance, amount spent, rewards balance, and rewards spent.

18. The method of claim 8, wherein the option menu further comprises options for setting or modifying one or more visual parameters of the virtual card or an element thereof, and the method further comprises receiving a user command for setting or modifying at least one visual parameter of the virtual card or the element thereof, and updating the graphical representation of the virtual card with the user command.

19. The method of claim 18, wherein the one or more visual parameters comprises colors, shapes, forms, background images, or sizes for the virtual card.

20. The method of claim 18, wherein the graphical representation of the virtual card is updated in real-time with receipt of the user command.