Credit card imaging for mobile payment and other applications

• US 8,103,249 B2
• Filed: 12/02/2008
• Issued: 01/24/2012
• Est. Priority Date: 08/23/2008
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Markison, Timothy W.
• Primary Examiner(s): MIZRAHI, DIANE D
• Application Number:
  US12/326,873
• Publication Number:
  US 20100048247A1
• Time in Patent Office: 1,148 Days
• Field of Search: 455/411, 235/380, 382/103, 715/764
• US Class Current: 455/411
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• 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 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/3572 Multiple accounts on card
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/12 Accounting
• CPC Class Codes: G06V 30/142 using hand-held instruments; Constructional details of the instruments
• 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: G07F 7/0833 Card having specific functional components
• CPC Class Codes: G07F 7/0846 On-card display means

Abstract

A mobile payment device includes a contactless payment module, a processing module, and a display module. The contactless payment module is coupled to execute a credit payment transaction. The processing module is coupled to detect the executing of the credit payment transaction and retrieve credit image data based on the detecting. The display module is coupled to process the credit image data into a displayed credit image.

Claims

1. A contactless payment module comprising:

a key module that contains a unique subscriber identification code and credit transactional information;

a memory configured to store credit image data, wherein the credit image data comprises a master image layer and a design image layer;

a contactless interface configured to transmit at least one of the unique subscriber identification code and the credit transactional information during execution of a credit transaction; and

a memory interface configured to output the credit image data during the execution of the credit transaction.

2. The contactless payment module of claim 1, wherein the contactless interface comprises at least one of:

a radio frequency identification (RFID) interface; and

a near field communication (NFC) interface.

3. The contactless payment module of claim 1, wherein the design layer comprises at least one of:

a custom design image layer; and

one of a plurality of approved design image layers.

4. The contactless payment module of claim 1, wherein unique subscriber identification code comprises:

International Mobile Subscriber Identity (IMSI).

5. The contactless payment module of claim 1, wherein the credit image data is received from a server computer of a financial institution.

6. The contactless payment module of claim 1, wherein the contactless payment module is housed in a mobile payment device.

7. The contactless payment module of claim 1, configured to exchange account information with a point of sale terminal via radio frequency (RF) when in proximity of the point of sale terminal.