Techniques for providing an electronic representation of a card

• US 9,361,563 B2
• Filed: 07/27/2015
• Issued: 06/07/2016
• Est. Priority Date: 06/19/2007
• Status: Active Grant

• Current Assignee: Codebroker, LLC
• Original Assignee: Codebroker, LLC
• Inventors: Slavin, Daniel, Smrzlic, Pero
• Primary Examiner(s): JOHNSON, SONJI N
• Application Number:
  US14/809,329
• Publication Number:
  US 20160026909A1
• Time in Patent Office: 316 Days
• US Class Current: 1/1
• CPC Class Codes: G06K 19/06028 using bar codes
• CPC Class Codes: G06K 19/06112 the marking being simulated using a light source, e.g. a barcode shown on a display or a laser beam with time-varying intensity profile
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• 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 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising

Abstract

Techniques for making electronic cards that can be displayed on a mobile phone. The techniques permit making an electronic card based on an arbitrary SMS message and making an electronic card (eCard) that corresponds to a pre-existing non-electronic privilege card such as a loyalty card. In the latter case, the system on which the card is being made obtains information about the user and the issuer and uses the information to determine whether to issue the eCard and also to make use validity information which is associated with the card and is used to determine the validity of the card as it is used.

Claims

1. A system configured to make electronic versions of previously-issued non-electronic privilege cards for users, the previously-issued non-electronic privilege cards having been issued by a plurality of card issuers, each of the previously-issued non-electronic privilege cards having been issued to one of the users with a card identifier by one of the plurality of card issuers, the system comprising:

a plurality of mobile devices, each mobile device being associated with one of the users and comprising a camera;

a server computer being remote from the plurality of mobile devices;

wherein the plurality of mobile devices and the server computer are not operated by the card issuers;

wherein each of the plurality of mobile devices is configured to;

capture an image of a previously-issued non-electronic privilege card;

use data contained in the image to transmit issue validation information for the previously-issued non-electronic privilege card to the server computer and not via the card issuer for the privilege card, the issue validation information including at least the card identifier for the previously issued non-electronic privilege card;

wherein the server computer is configured to;

receive, from the mobile devices and not via the card issuers, the issue validation information for electronic versions of previously-issued non-electronic privilege cards;

for each privilege card for which issue validation information is received from a mobile device, validate whether the electronic version of the previously-issued non-electronic privilege card should issue on the mobile device, according to the received issue validation information and additional information of the card issuer for the privilege card; and

for each privilege card for which issue validation information is received from a mobile device, in response to validation, make the electronic version of the previously-issued non-electronic privilege card available for use as the privilege card through the mobile device.

2. The system of claim 1, wherein the server computer is further configured to:

for each privilege card having a valid electronic version, associate use validation information provided by the card issuer for that privilege card with the electronic version of the previously-issued non-electronic privilege card.

3. The system of claim 1, wherein at least one of the mobile devices is a mobile telephone.

4. The system of claim 1, wherein the server computer is further configured to generate the electronic version of the previously-issued non-electronic privilege card to be displayable on mobile telephones.

5. The system of claim 1, wherein, to generate the electronic version, the server computer is further configured to generate a barcode representing the privilege card.

6. The system of claim 1, wherein at least one of the mobile devices includes a wallet application running on the mobile device, wherein the wallet application manages access to the electronic version of the previously-issued non-electronic privilege card on the mobile device.

7. The system of claim 6, wherein the wallet application running on the mobile device configures the mobile device to validate the electronic version of the previously-issued non-electronic privilege card when the electronic version of the previously-issued non-electronic privilege card is used.

8. The system of claim 6, wherein the server computer is further configured to, for each privilege card having a valid electronic version, associate use validation information provided by the card issuer for that privilege card with the electronic version of the previously-issued non-electronic privilege card.

9. The system of claim 6, wherein the wallet application running on the mobile device configures the mobile device to display the electronic version of the previously-issued non-electronic privilege card so as to enable the user of the mobile device to use the electronic version of the previously-issued non-electronic privilege card.

10. The system of claim 9, wherein the electronic version of the previously-issued non-electronic privilege card includes a barcode when displayed on the user device.

11. A system configured to make electronic versions of previously-issued non-electronic privilege cards for users, the previously-issued non-electronic privilege cards having been issued by a plurality of card issuers, each of the previously-issued non-electronic privilege cards having been issued to one of the users with a card identifier by one of the plurality of card issuers, the system comprising:

a plurality of mobile devices, each mobile device being associated with one of the users and comprising a camera;

a server computer being remote from the plurality of mobile devices;

wherein the plurality of mobile devices and the server computer are not operated by the card issuers;

wherein each of the plurality of mobile devices is configured to;

capture an image of a previously-issued non-electronic privilege card;

transmit the image of the previously-issued non-electronic privilege card to the server computer and not via the card issuer for the privilege card;

wherein the server computer is configured to;

receive, from the mobile devices and not via the card issuers, images of previously-issued non-electronic privilege cards; and

for each privilege card for which an image is received from a mobile device for a previously-issued non-electronic privilege card;

process the image to obtain issue validation information for the previously-issued non-electronic privilege card for the mobile device based on the image, the issue validation information including at least the card identifier for the previously issued non-electronic privilege card,

validate whether the electronic version of the previously-issued non-electronic privilege card should issue on the mobile device, according to the issue validation information obtained from the image and additional information of the card issuer for the privilege card, and

in response to validation, make the electronic version of the previously-issued non-electronic privilege card available for use as the privilege card through the mobile device.

12. The system of claim 11, wherein the server computer is further configured to, for each privilege card having a valid electronic version, associate use validation information provided by the card issuer for that privilege card with the electronic version of the previously-issued non-electronic privilege card.

13. The system of claim 11, wherein at least one of the mobile devices is a mobile telephone.

14. The system of claim 11, wherein the server computer is further configured to generate the electronic version of the previously-issued non-electronic privilege card to be displayable on mobile telephones.

15. The system of claim 11, wherein, to generate the electronic version, the server computer is further configured to generate a barcode representing the privilege card.

16. The system of claim 11, wherein at least one of the mobile devices includes a wallet application running on the mobile device, wherein the wallet application manages access to the electronic version of the previously-issued non-electronic privilege card on the mobile device.

17. The system of claim 16, wherein the wallet application running on the mobile device configures the mobile device to validate the electronic version of the previously-issued non-electronic privilege card when the electronic version of the previously-issued non-electronic privilege card is used.

18. The system of claim 16, wherein the server computer is further configured to, for each privilege card having a valid electronic version, associate use validation information provided by the card issuer for that privilege card with the electronic version of the previously-issued non-electronic privilege card.

19. The system of claim 16, wherein the wallet application running on the mobile device configures the mobile device to display the electronic version of the previously-issued non-electronic privilege card so as to enable the user of the mobile device to use the electronic version of the previously-issued non-electronic privilege card.

20. The system of claim 19, wherein the electronic version of the previously-issued non-electronic privilege card includes a barcode when displayed on the user device.