Techniques for providing an electronic representation of a card

• US 9,697,448 B2
• Filed: 05/26/2016
• Issued: 07/04/2017
• 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:
  US15/164,941
• Publication Number:
  US 20170109619A1
• Time in Patent Office: 404 Days
• 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 and a display;

a server computer 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 operative to;

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

transmit, using data contained in the image, 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 operative 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 previously-issued non-electronic privilege card for which issue validation information is received from a mobile device, determine whether the electronic version of the previously-issued non-electronic privilege card should issue on the mobile device, based on at least the received issue validation information obtained from the image and additional information;

for each previously-issued non-electronic privilege card for which issue validation information is received from a mobile device, in response to a determination that the electronic version of the previously-issued non-electronic privilege card should issue on the mobile device, generate data representing the electronic version of the previously-issued non-electronic privilege card, and transmit the generated data to the mobile device; and

wherein each of the plurality of mobile devices is further operative to;

receive, from the server computer, the generated data representing the electronic version of the previously-issued non-electronic privilege card;

store the received data on the mobile device; and

make the electronic version of the previously-issued non-electronic privilege card available for display on the display of the mobile device using the stored data.

2. The system of claim 1, wherein the server computer is further operative 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 the generated data representing the electronic version of the previously-issued non-electronic privilege card comprises a digital image of the previously-issued non-electronic privilege card and a barcode representing the card identifier.

4. The system of claim 3, wherein, to generate data representing the electronic version of the previously-issued non-electronic privilege card, the server computer is further operative to generate the barcode representing the card identifier for the previously-issued non-electronic privilege card.

5. The system of claim 1, wherein, to determine whether the electronic version of the previously-issued non-electronic privilege card should issue, the server computer is further operative to perform a first issue validation check including matching a merchant identifier of a merchant for the previously-issued non-electronic privilege card and a form of the card identifier to known merchant identifiers and forms of the card identifier.

6. The system of claim 5, wherein, to determine whether the electronic version of the previously-issued non-electronic privilege card should issue, the server computer is further operative to perform a second issue validation check including checking that information required to generate the electronic version of the previously-issued non-electronic privilege card is collected and accurate.

7. The system of claim 6, wherein, to determine whether the electronic version of the previously-issued non-electronic privilege card should issue, the server computer is further operative to validate the card identifier.

8. The system of claim 1, wherein, to determine whether the electronic version of the previously-issued non-electronic privilege card should issue, the server computer is further operative to check that information required to generate the electronic version of the previously-issued non-electronic privilege card is collected and accurate.

9. The system of claim 1, wherein the additional information comprises a digital image of the non-electronic version of the privilege card.

10. The system of claim 9, wherein the additional information comprises additional codes on the non-electronic version of the privilege card.

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 and a display;

a server computer 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 operative 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 operative to;

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

for each previously-issued non-electronic 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,

determine whether the electronic version of the previously-issued non-electronic privilege card should issue on the mobile device, based on at least the issue validation information obtained from the image and additional information, and

in response to a determination that the electronic version of the previously-issued non-electronic privilege card should issue on the mobile device, generate data representing the electronic version of the previously-issued non-electronic privilege card and transmit the generated data to the mobile device; and

wherein each of the plurality of mobile devices is further operative to;

receive, from the server computer, the generated data representing the electronic version of the previously-issued non-electronic privilege card;

store the received data on the mobile device; and

make the electronic version of the previously-issued non-electronic privilege card available for display on the display of the mobile device using the stored data.

12. The system of claim 11, wherein the server computer is further operative 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 the generated data representing the electronic version of the previously-issued non-electronic privilege card comprises a digital image of the previously-issued non-electronic privilege card and a barcode representing the card identifier.

14. The system of claim 13, wherein, to generate data representing the electronic version of the previously-issued non-electronic privilege card, the server computer is further operative to generate the barcode representing the card identifier for the previously-issued non-electronic privilege card.

15. The system of claim 11, wherein, to determine whether the electronic version of the previously-issued non-electronic privilege card should issue, the server computer is further operative to perform a first issue validation check including matching a merchant identifier of a merchant for the previously-issued non-electronic privilege card and a form of the card identifier to known merchant identifiers and forms of the card identifier.

16. The system of claim 15, wherein, to determine whether the electronic version of the previously-issued non-electronic privilege card should issue, the server computer is further operative to perform a second issue validation check including checking that information required to generate the electronic version of the previously-issued non-electronic privilege card is collected and accurate.

17. The system of claim 16, wherein, to determine whether the electronic version of the previously-issued non-electronic privilege card should issue, the server computer is further operative to validate the card identifier.

18. The system of claim 11, wherein, to determine whether the electronic version of the previously-issued non-electronic privilege card should issue, the server computer is further operative to check that information required to generate the electronic version of the previously-issued non-electronic privilege card is collected and accurate.

19. The system of claim 11, wherein the additional information comprises a digital image of the non-electronic version of the privilege card.

20. The system of claim 19, wherein the additional information comprises additional codes on the non-electronic version of the privilege card.

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

a plurality of user devices, each user device being associated with one of the plurality of users;

a server computer remote from the plurality of user devices;

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

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

transmit issue validation information for a previously-issued non-electronic privilege cards to the server computer and not via the card issuer for the privilege card;

wherein the server computer is configured to;

receive, from the user devices and not via the card issuers, issue validation information for the electronic versions, the issue validation information including at least the card identifiers for the previously-issued non-electronic privilege cards;

for each previously-issued non-electronic privilege card for which issue validation information is received from a user device;

determine whether the electronic version of the previously-issued non-electronic privilege card should issue on the user device, based on at least the received issue validation information and additional information; and

in response to a determination that the electronic version of the previously-issued non-electronic privilege card should issue on the user device, generate data representing the electronic version of the previously-issued non-electronic privilege card, and transmit the generated data representing the electronic version of the previously-issued non-electronic version of the privilege card to the user device; and

wherein each of the plurality of user devices is further configured to;

receive, from the server computer, the generated data representing the electronic version of the previously-issued non-electronic privilege card;

store the received data representing the electronic version of the previously-issued non-electronic privilege card on the user device, and

make the electronic version of the previously-issued non-electronic privilege card available for display on a display for the user device using the stored data.

22. The system of claim 21, wherein the server computer is further operative 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.

23. The system of claim 21, wherein the generated data representing the electronic version of the previously-issued non-electronic privilege card comprises a digital image of the previously-issued non-electronic privilege card and a barcode representing the card identifier.

24. The system of claim 23, wherein, to generate data representing the electronic version of the previously-issued non-electronic privilege card, the server computer is further operative to generate the barcode representing the card identifier for the previously-issued non-electronic privilege card.

25. The system of claim 21, wherein, to determine whether the electronic version of the previously-issued non-electronic privilege card should issue, the server computer is further operative to perform a first issue validation check including matching a merchant identifier of a merchant for the previously-issued non-electronic privilege card and a form of the card identifier to known merchant identifiers and forms of the card identifier.

26. The system of claim 25, wherein, to determine whether the electronic version of the previously-issued non-electronic privilege card should issue, the server computer is further operative to perform a second issue validation check including checking that information required to generate the electronic version of the previously-issued non-electronic privilege card is collected and accurate.

27. The system of claim 26, wherein, to determine whether the electronic version of the previously-issued non-electronic privilege card should issue, the server computer is further operative to validate the card identifier.

28. The system of claim 21, wherein, to determine whether the electronic version of the previously-issued non-electronic privilege card should issue, the server computer is further operative to check that information required to generate the electronic version of the previously-issued non-electronic privilege card is collected and accurate.

29. The system of claim 21, wherein the additional information comprises a digital image of the non-electronic version of the privilege card.

30. The system of claim 29, wherein the additional information comprises additional codes on the non-electronic version of the privilege card.