Classifying open-loop and closed-loop payment cards based on optical character recognition
First Claim
1. A computer-implemented method to categorize payment cards, comprising:
- receiving, using one or more computing devices and from a user computing device, an image comprising an image of a payment card;
extracting, using the one or more computing devices, one or more text objects and one or more visual objects from the image of the payment card;
determining, using the one or more computing devices and based on the one or more extracted text objects and the one or more extracted visual objects, a categorical designation for the payment card and financial account information associated with the payment card; and
transmitting, using the one or more computing devices and to the user computing device, the financial account information associated with the payment card and the categorical designation for the payment card for storage in the user computing device based on the categorical designation.
2 Assignments
0 Petitions
Accused Products
Abstract
A user captures an image of a payment card via a user computing device camera. An optical character recognition system receives the payment card image from the user computing device. The system performs optical character recognition and visual object recognition algorithms on the payment card image to extract text and visual objects from the payment card image, which are used by the system to identify a payment card type. The system may categorize the payment card as an open-loop card or a closed-loop card, or as a credit card or a non-credit card. In an example embodiment, the system allows or prohibits extracted financial account information from the payment card to be saved in the digital wallet account based on the determined payment card category. In another example embodiment, the system transmits an advisement to the user based on the determined payment card category.
-
Citations
20 Claims
-
1. A computer-implemented method to categorize payment cards, comprising:
-
receiving, using one or more computing devices and from a user computing device, an image comprising an image of a payment card; extracting, using the one or more computing devices, one or more text objects and one or more visual objects from the image of the payment card; determining, using the one or more computing devices and based on the one or more extracted text objects and the one or more extracted visual objects, a categorical designation for the payment card and financial account information associated with the payment card; and transmitting, using the one or more computing devices and to the user computing device, the financial account information associated with the payment card and the categorical designation for the payment card for storage in the user computing device based on the categorical designation. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
-
-
9. A computer program product, comprising:
a non-transitory computer-readable storage device having computer-readable program instructions embodied thereon that when executed by a computer cause the computer to categorize payment cards, the computer-readable instructions comprising; computer-readable program instructions to extract one or more text objects and one or more visual objects from an image of a payment card; computer-readable program instructions to determine, based on the one or more extracted text objects and the one or more extracted visual objects, a categorical designation for the payment card and financial account information associated with the payment card; and computer-readable program instructions to transmit, to a user computing device, the financial account information associated with the payment card and the categorical designation for the payment card for storage in the user computing device based on the categorical designation. - View Dependent Claims (10, 11, 12, 13, 14)
-
15. A system to categorize payment cards, comprising:
-
a storage device; and a processor communicatively coupled to the storage device, wherein the processor executes application code instructions that are stored in the storage device to cause the system to; receive, from a user computing device, an image comprising an image of a payment card captured via the user computing device; extract one or more text objects and one or more visual objects from the image of the payment card; determine, based on the one or more extracted text objects and the one or more extracted visual objects, a categorical designation for the payment card and financial account information associated with the payment card; and transmit, to the user computing device, the financial account information associated with the payment card and the categorical designation for the payment card for storage in the user computing device based on the categorical designation. - View Dependent Claims (16, 17, 18, 19, 20)
-
Specification