Mobile phone payment system using integrated camera credit card reader
First Claim
1. A method of conducting credit card transactions through a device including an image acquisition unit, a processor, a memory and a display, the method comprising:
- prompting a user to provide authentication details;
acquiring the authentication details from the user;
communicating the authentication details to an authentication server separate from a billing center;
receiving an authentication communication indicative of whether or not the user provided valid authentication details;
acquiring an image of a credit card using the image acquisition unit subsequent to receiving the authentication communication, when the authentication communication is indicative of the user having provided valid authentication details;
identifying at least one segment area in the acquired image that includes at least one credit card detail;
creating an image of the at least one identified segment area;
extracting at least one of the credit card details from the image of the at least one identified segment area, wherein the extracting recognizes at least one character identified within the at least one identified segment area; and
communicating at least one of the characters identified within the at least one identified segment area to a billing center associated with the credit card.
6 Assignments
0 Petitions
Accused Products
Abstract
A system and a method for conducting credit card transactions through a mobile device of a user. The mobile device comprises an image acquisition unit and a mobile application operated by the mobile device. The system enables acquiring an image of a client'"'"'s credit card, using the image acquisition unit; analyzing data of the image; outputting details of the credit card from the analysis; verifying the output details, wherein the verification is further carried out through the mobile application; verifying authorization of inputted monetary transaction, wherein the mobile application enables verifying the authorization by communicating with the billing center, associated with at least one credit company associated with the credit card over at least one communication network, wherein the communication is carried out by the mobile application using the mobile device; and conducting monetary transactions using the verified credit card details.
35 Citations
20 Claims
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1. A method of conducting credit card transactions through a device including an image acquisition unit, a processor, a memory and a display, the method comprising:
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prompting a user to provide authentication details; acquiring the authentication details from the user; communicating the authentication details to an authentication server separate from a billing center; receiving an authentication communication indicative of whether or not the user provided valid authentication details; acquiring an image of a credit card using the image acquisition unit subsequent to receiving the authentication communication, when the authentication communication is indicative of the user having provided valid authentication details; identifying at least one segment area in the acquired image that includes at least one credit card detail; creating an image of the at least one identified segment area; extracting at least one of the credit card details from the image of the at least one identified segment area, wherein the extracting recognizes at least one character identified within the at least one identified segment area; and communicating at least one of the characters identified within the at least one identified segment area to a billing center associated with the credit card. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 20)
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18. A non-transitory computer readable storage medium storing one or more instructions configured for execution by one or more processors of a device, that, when executed by the one or more processors, cause the device to:
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prompt a user to provide authentication details; acquire the authentication details from the user; communicate the authentication details to an authentication server separate from a billing center; receive an authentication communication indicative of whether or not the user provided valid authentication details; obtain an image of a credit card using the image acquisition unit subsequent to receiving the authentication communication, when the authentication communication is indicative of the user having provided valid authentication details; identify at least one segment area in the acquired image that includes at least one credit card detail; create an image of the at least one identified segment area; extract at least one of the credit card details from the image of the at least one identified segment area, wherein the extracting recognizes at least one character identified within the at least one identified segment area; and communicate with a billing center associated with at least one credit company associated with the credit card, wherein the communication includes the at least one of the characters identified within the at least one identified segment area.
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19. A device comprising:
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an image acquisition unit; a processor configured to at least execute instructions; a transceiver configured to transmit and receive data communications; and a memory storing instructions configured for execution by the processor, that, when executed cause the device to; prompt a user to provide authentication details, acquire the authentication details from the user, communicate the authentication details to an authentication server separate from a billing center, receive an authentication communication indicative of whether or not the user provided valid authentication details, obtain an image of a credit card using the image acquisition unit subsequent to receiving the authentication communication, when the authentication communication is indicative of the user having provided valid authentication details, identify at least one segment area in the acquired image that includes at least one credit card detail; create an image of the at least one identified segment area; extract at least one of the credit card details from the image of the at least one identified segment area, wherein the extracting recognizes at least one character identified within the at least one identified segment areas, and communicate with a billing center associated with at least one credit company associated with the credit card, wherein the communication includes the at least one of the characters identified within the at least one identified segment area.
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Specification