Methods and arrangements for smartphone payments

• US 9,830,588 B2
• Filed: 04/29/2013
• Issued: 11/28/2017
• Est. Priority Date: 02/26/2013
• Status: Active Grant

• Current Assignee: Digimarc Corporation
• Original Assignee: Digimarc Corporation
• Inventors: Davis, Bruce L., Rodriguez, Tony F.
• Primary Examiner(s): Donlon, Ryan D
• Assistant Examiner(s): PRINSLOW, GARRISON T
• Application Number:
  US13/873,117
• Publication Number:
  US 20140244495A1
• Time in Patent Office: 1,674 Days
• Field of Search: None
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/306 using TV related infrastructures external card used for payment with client device H04N21/4185
• CPC Class Codes: G06Q 20/321 using wearable devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/351 Virtual cards
• CPC Class Codes: H04L 9/32 including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
• CPC Class Codes: H04W 12/60 Context-dependent security

Abstract

To make a payment, a smartphone presents artwork for a payment card (e.g., a Visa card) that has been selected by a user from a virtual wallet of such cards. Encoded in the displayed artwork is payment information that has been encrypted with a context-dependent session key. A cooperating system (e.g., a retailer'"'"'s point of sale system) uses a camera to capture an image of the artwork, and independently creates the session key from its own context sensor(s), enabling decryption of the payment information. Such technology provides a superior transaction security model at a fraction of the cost of competing chip card payment systems (which require, e.g., expensive physical cards, and single-purpose reader hardware). A great variety of other features and arrangements are also detailed.

Claims

1. A system including:

i) a user portable device comprising a display and a processor, the processor configured for steganographically-encoding plural-bit auxiliary data within artwork, and controlling display of encoded artwork on the display, the artwork indicating a payment service and including a VISA®

, MasterCard®

or American Express®

logo, the steganographically-encoding concealing presence of the plural-bit auxiliary data from human viewers, the steganographically-encoding changing with time, requiring capture of plural frames over time to gather imagery sufficient to completely decode the plural-bit auxiliary data; and

ii) a checkout system comprising a camera system, a processor, and one or more memories, in which buses provide an interconnection between the camera system and the one or memories, the one or more memories containing instructions configuring the checkout system to perform acts including;

using the camera system to capture first image data depicting a product presented for purchase by a user;

using the camera system to capture plural frames of second image data depicting the encoded artwork from the display of the user portable device;

decoding the steganographically-encoded plural-bit auxiliary data from the captured plural frames of second image data, in which the decoding utilizes the processor, and in which the buses provide an interconnection between the one or more memories and the processor;

deriving context information about the user portable device by processing the second image data captured by the camera system, the deriving yielding derived context information, in which the derived context information comprises information about pose or motion of the user portable device; and

using the decoded plural-bit auxiliary data and the derived context information in connection with authenticating a payment transaction serviced by VISA®

, MasterCard®

or American Express®

.

2. The checkout system of claim 1 in which the first image data comprises plural frames including the plural frames of the second image data.

3. The checkout system of claim 1 in which the derived context information comprises information about pose of the user portable device.

4. The checkout system of claim 1 in which the derived context information comprises information about motion of the user portable device.

5. A method of operating a system, the system including i) a user portable device comprising a display and a processor configured for steganographically-encoding artwork, and controlling display of encoded artwork on the display, and ii) a checkout system comprising a camera system, one or more processors, and one or more memories, in which buses provide an interconnection between the camera system and the one or memories, said method comprising:

controlling the processor on the user portable device to steganographically-encode plural-bit auxiliary data within artwork, the artwork indicating a payment service and including a VISA®

, MasterCard®

or American Express®

logo, the steganographically-encoding concealing presence of the plural-bit auxiliary data from human viewers, the steganographically-encoding changing with time, requiring capture of plural frames over time to gather imagery sufficient to completely decode the plural-bit auxiliary data;

controlling display of steganographically-encoded artwork on the display;

capturing, using the camera system, first image data depicting a product presented for purchase by a user,

capturing, using the camera system, plural frames of second image data depicting the steganographically-encoded artwork from the display of the user portable device;

decoding the steganographically-encoded plural-bit auxiliary data from the captured plural frames of second image data, in which said decoding operates on the plural frames captured over time to completely decode the plural-bit auxiliary data, in which the decoding utilizes the one or more processors, and in which the buses provide an interconnection between the one or more memories and the one or more processors;

deriving context information about the user portable device by processing the second image data captured by the camera system, the deriving yielding derived context information, in which the derived context information comprises information about pose or motion of the user portable device; and

using the decoded plural-bit auxiliary data and the derived context information in connection with authenticating a payment transaction serviced by VISA®

, MasterCard®

or American Express®

.

6. The method of claim 5 in which the first image data comprises plural frames including the plural frames of the second image data.

7. The method of claim 5 in which the derived context information comprises information about pose of the user portable device.

8. The method of claim 5 in which the derived context information comprises information about motion of the user portable device.