Value token conversion

• US 8,590,779 B2
• Filed: 06/28/2011
• Issued: 11/26/2013
• Est. Priority Date: 06/29/2010
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Tullis, John, Li, Shaw, McFarland, Lisa
• Primary Examiner(s): Le, Thien M
• Assistant Examiner(s): Brown, Claude J
• Application Number:
  US13/171,256
• Publication Number:
  US 20120024946A1
• Time in Patent Office: 882 Days
• Field of Search: 235/379, 235/375, 235/380, 382/139, 382/168, 382/293, 705/26, 705/35, 705/44, 705/45
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes

Abstract

A method is disclosed. The method includes obtaining value token image data associated with the image of the value token, the value token image data being derived from an image of the value token obtained from a scanning device. The method also includes initiating verification of the value token. The method may also include (i) providing a temporary use account identifier correlated with the value token; and sending the temporary use account identifier to a user; or (ii) increasing the value of a prepaid account.

Claims

1. A server computer apparatus comprising a processor and a non-transitory computer-readable storage medium, comprising code executable by the processor for implementing a method comprising:

obtaining value token image data associated with an image of a value token, the value token image data being derived from an image of the value token obtained from a scanning device;

initiating verification of the value token;

providing a temporary use account identifier correlated with the value token;

sending the temporary use account identifier to a user, wherein the user thereafter uses the temporary use account identifier to conduct a transaction; and

settling the value token after sending the temporary use account identifier and after the user uses the temporary use account identifier.

2. The server computer apparatus of claim 1, wherein the scanning device is a mobile device capable of capturing images.

3. The server computer apparatus of claim 1, wherein the temporary use account identifier is a one-time use account identifier, and wherein the one-time use account identifier is in a payment card account number format.

4. The server computer apparatus of claim 2, wherein sending the temporary use account identifier to the user comprises transmitting the temporary use account identifier to the scanning device.

21. The server computer apparatus of claim 1, wherein the value token is a check, gift certificate, or a voucher.

22. The server computer apparatus of claim 1, wherein the temporary use account identifier is associated with a rewards account or a virtual money account.

5. A method comprising:

obtaining value token image data associated with an image of a value token, the value token image data being derived from an image of the value token obtained from a scanning device;

initiating verification of the value token image data;

providing a temporary use account identifier correlated with the value token;

sending the temporary use account identifier to a user, wherein the user thereafter uses the temporary use account identifier to conduct a transaction; and

settling the value token after sending the temporary use account identifier and after the user uses the temporary use account identifier.

6. The method of claim 5, wherein the scanning device is a mobile device capable of capturing images.

7. The method of claim 5, wherein the temporary use account identifier is a one-time use account identifier, and wherein the one-time use account identifier is in a payment card account number format.

8. The method of claim 5, further comprising transmitting the temporary account identifier to the scanning device.

9. A scanning device, comprising:

a processor;

an imaging device capable of capturing images; and

a non-transitory computer-readable medium coupled to the processor, the non-transitory computer-readable medium comprising code executable by the processor for implementing a method comprising;

capturing an image of a value token;

generating value token image data for the image of the value token;

transmitting the value token image data; and

receiving a temporary use account identifier, wherein the temporary use account identifier is correlated with the value token, wherein the temporary use account identifier is thereafter used to conduct a transaction, and further wherein the value token is settled after receiving the temporary use account identifier and after the temporary use account identifier is used to conduct the transaction.

10. The scanning device of claim 9 wherein the imaging device is a camera, scanner, MICR scanner, or a web camera.

11. The scanning device of claim 9 wherein the scanning device is capable of receiving and transmitting SMS, text, MMS, or e-mail messages via a network interface.

12. The scanning device of claim 9 wherein the temporary use account identifier is a one-time use account identifier that is in a payment card number format.

13. The scanning device of claim 9, wherein the scanning device is a phone.

14. A method comprising:

capturing an image of a value token using an imaging device in a scanning device;

generating value token image data for the image of the value token;

transmitting the value token image data; and

receiving a temporary use account identifier, wherein the temporary use account identifier is correlated with the value token, wherein the temporary use account identifier is thereafter used to conduct a transaction, and further wherein the value token is settled after receiving the temporary use account identifier and after the temporary use account identifier is used to conduct the transaction.

15. The method of claim 14, wherein the imaging device is a camera, scanner, MICR scanner, or a web camera.

16. The method of claim 14, wherein the scanning device is capable of receiving and transmitting SMS, text, MMS, or e-mail messages via a network interface.

17. The method of claim 14, wherein the temporary use account identifier is a one-time use account identifier that is in a payment card number format.

18. A method comprising:

capturing an image of a value token using an imaging device in a scanning device;

generating value token image data for the image of the value token;

transmitting the value token image data to a server computer; and

receiving a notification that a prepaid account has increased in value before the value token is settled.

19. A non-transitory computer readable medium comprising code executable by a processor for implementing the method of claim 18.

20. A scanning device comprising the non-transitory computer readable medium of claim 19.