Credit card imaging for mobile payment and other applications

• US 9,152,959 B2
• Filed: 10/09/2013
• Issued: 10/06/2015
• 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:
  US14/050,180
• Publication Number:
  US 20140122326A1
• Time in Patent Office: 727 Days
• US Class Current: 1/1
• 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 system comprising:

an interface adapted to communicate with a mobile payment device of a user;

a processor coupled with the interface; and

a memory coupled with the processor via an interconnect bus, wherein the processor is configured to;

receive, via the interface, a request for credit image data from the mobile payment device;

retrieve a master image layer and a design image layer from memory based on an identity of the mobile payment device;

process the master image layer and the design image layer to generate the credit image data; and

transmit, via the interface, the credit image data to the mobile payment device to enable the mobile payment device to conduct a payment transaction based on the credit image data.

2. The system of claim 1 wherein the request for credit image data from the mobile payment device includes a digital image, and wherein the design image layer is generated based on the digital image.

3. The system of claim 2 wherein the processor is further configured to:

determine content of the digital image to decide whether the content contains inappropriate content; and

select another digital image when the content contains inappropriate content.

4. The system of claim 1 wherein the design image layer includes a custom design image layer or one of multiple approved design image layers.

5. The system of claim 1 wherein the interface is coupled with a payment processing network.

6. The system of claim 1 wherein the system resides at a financial institution coupled with a payment processing network.

7. The system of claim 1 wherein the processor is further configured to:

receive, via the interface, an indication of the payment transaction being executed;

generate a transactional data image layer based on at least one of transactional data from the mobile payment device and the payment transaction; and

generate the credit image data based on the design image layer, the master image layer, and the transactional data image layer.

8. The system of claim 7 wherein the identity of the mobile payment device is determined based on the indication of the payment transaction.

9. A method comprising:

receiving a request for credit image data from the mobile payment device via an interface adapted to communicate with a mobile payment device, wherein the interface is coupled with a processor;

retrieving a master image layer and a design image layer from a memory coupled with the processor based on an identity of the mobile payment device;

generating, by the processor, the credit image data based on the master image layer and the design image layer; and

transmitting, via the interface, the credit image data to the mobile payment device to enable the mobile payment device to conduct a payment transaction.

10. The method of claim 9 further comprising:

receiving, via the interface, a digital image in the request for the credit image data from the mobile payment device; and

generating, by the processor, the design image layer based on the digital image.

11. The method of claim 10 further comprising:

determining content of the digital image to decide whether the content contains inappropriate content; and

selecting another digital image when the content contains inappropriate content.

12. The method of claim 9 wherein the design image layer includes a custom design image layer or one of multiple approved design image layers.

13. The method of claim 9 wherein the interface is coupled with a payment processing network.

14. The method of claim 9 wherein the method is performed at a financial institution in communication with a payment processing network.

15. The method of claim 9 further comprising:

receiving, via the interface, an indication of the payment transaction being executed;

generating a transactional data image layer based on transactional data from the mobile payment device or the payment transaction; and

generating the credit image data based on the design image layer, the master image layer, and the transactional data image layer.

16. The method of claim 15 further comprising determining the identity of the mobile payment device based on the indication of the payment transaction.