Electronic vouchers and a system and method for issuing the same

• US 8,671,030 B1
• Filed: 08/27/2012
• Issued: 03/11/2014
• Est. Priority Date: 06/25/2001
• Status: Active Grant

• Current Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Original Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Inventors: Sethi, Vincent
• Primary Examiner(s): Zecher, Cordelia
• Assistant Examiner(s): Doan, Trang
• Application Number:
  US13/595,337
• Time in Patent Office: 561 Days
• Field of Search: None
• US Class Current: 705/27.1
• CPC Class Codes: G06Q 20/06 Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0239 Online discounts or incentives
• CPC Class Codes: G06Q 30/0277 Online advertisement

Abstract

A system and method for issuing electronic vouchers representing value. An issuing server generates an eVoucher that a recipient may use to purchase goods and services from a merchant'"'"'s e-commerce Web site. The eVoucher includes an image, such as a corporate logo, that identifies the issuing merchant. Nonimage data, such as a unique identifier for the eVoucher and encrypted arbitrary text, is embedded in the eVoucher image and is used to track the use of the eVoucher and to verify its authenticity.

Claims

1. A method for authorizing an transaction comprising:

receiving, at a first party, a request to conduct a transaction from a second Party;

receiving, at the first party, an electronic image file comprising image data and nonimage data, the image data comprising a plurality of bits that define an image and the nonimage data comprising a plurality of bits that do not define the image, wherein altering the nonimage data has no effect on the appearance of the image;

using a processor, verifying an identity of the second party based on the nonimage data; and

using the computer processor, authorizing the transaction.

2. The method of claim 1, wherein the first party is a merchant and the second party is a purchaser of a good or service.

3. The method of claim 1, wherein the nonimage data uniquely identifies the second party.

4. The method of claim 1, wherein the nonimage data uniquely identifies a financial account.

5. The method of claim 1, wherein the nonimage data defines a hyperlink to a Web server.

6. The method of claim 1, wherein the hyperlink is to the first party'"'"'s Web server.

7. The method of claim 1, wherein the nonimage data is encrypted.

8. The method of claim 1, wherein the transaction is a financial transaction.

9. A method for authorizing an transaction comprising:

receiving, at a merchant, a request to conduct a transaction from a second party, the transaction being for a purchase of a good or service;

receiving, at the merchant, an electronic image file comprising image data and nonimage data, the image data comprising a plurality of bits that define an image and the nonimage data comprising a plurality of bits that do not define the image, the image data identifying an account, wherein altering the nonimage data has no effect on the appearance of the image;

using a processor, verifying that the account has sufficient funds for the purchase of the goods or service; and

using the computer processor, authorizing the transaction.

10. The method of claim 9, wherein the nonimage data further defines a hyperlink to a Web server.

11. The method of claim 10, wherein the hyperlink is to the merchant'"'"'s Web server.

12. The method of claim 10, wherein the nonimage data is encrypted.

13. A method of conducting an online transaction comprising:

receiving, at a merchant computer, an order from a purchaser computer indicating one or more goods and/or services the purchaser intends to purchase;

receiving, at the merchant computer, an electronic image file comprising image data and nonimage data, the image data comprising a plurality of bits that define an image and the nonimage data comprising a plurality of bits that do not define the image in said image file, the nonimage data uniquely identifying a recipient, wherein altering the nonimage data has no effect on the appearance of the image;

using a computer processor, verifying an identity of the recipient based on the nonimage data; and

using the computer processor, authorizing the transaction.

14. A method for providing a recipient with an image file that is used to identify the recipient, comprising:

at least one computer processor generating an image file including image data, the image data comprising a plurality of bits that define an image;

the at least one computer processor embedding nonimage data comprising a plurality of bits that do not define the image in said image file, the nonimage data uniquely identifying a recipient, wherein the nonimage data has no effect on the appearance of the image; and

transmitting the image file to a recipient.

15. An image embodied on a non-transitory computer readable medium comprising:

electronic image data defining an image; and

nonimage data embedded in the electronic image data that uniquely identifies the image, wherein altering the nonimage data has no effect on the appearance of the image;

wherein the electronic image data comprises a plurality of bits that define the image and a plurality of bits that do not define the image, and wherein the plurality of bits that do not define the image comprise the nonimage data; and

wherein the nonimage data, when processed by a computer processor, verifies that the image is authentic.