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Internet payment system using credit card imaging

  • US 9,305,230 B2
  • Filed: 10/17/2011
  • Issued: 04/05/2016
  • Est. Priority Date: 07/14/2008
  • Status: Active Grant
First Claim
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1. A method of conducting a credit card transaction, the method comprising:

  • at a device including an image acquisition unit, a processor, a memory, and a display;

    capturing an image of a credit card using the image acquisition unit of the device, wherein the image acquisition unit automatically focuses on credit cards details of the credit card including at least one of a credit card number, a name of the credit card holder, and an expiration date of the credit card;

    prompting, at the device, a user of the device to provide biometric information to verify the user'"'"'s identity, wherein the biometric verification information is at least one of voice or fingerprint data;

    obtaining, at the device, the biometric information from the user of the device;

    transmitting, from the device, (A) at least a portion of the captured image of the credit card and (B) the obtained biometric information to a server;

    in accordance with a determination that the biometric information is verified by the server, receiving, at the device, from the server;

    (i) credit card information extracted by the server from the portion of the image of the credit card, wherein the credit card information at least includes the credit card number, the name of the credit card holder, and the expiration date of the credit card;

    prior to causing execution of the credit card transaction, prompting the user of the device to confirm the credit card transaction based on the credit information extracted from the portion of the image of the credit card by the server; and

    executing the credit card transaction upon confirmation received from the device.

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