Internet payment system using credit card imaging

• US 9,836,726 B2
• Filed: 03/03/2016
• Issued: 12/05/2017
• Est. Priority Date: 07/14/2008
• Status: Active Grant

• Current Assignee: Jumio Inc.
• Original Assignee: Jumio Inc.
• Inventors: Abulafia, David, Cohen, Eyal
• Primary Examiner(s): AGWUMEZIE, CHINEDU CHARLES
• Application Number:
  US15/059,767
• Publication Number:
  US 20160189122A1
• Time in Patent Office: 642 Days
• Field of Search: 705 40
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing
• CPC Class Codes: G06Q 20/42 Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: G06V 30/10 Character recognition
• CPC Class Codes: G06V 30/142 using hand-held instruments; Constructional details of the instruments
• CPC Class Codes: G06V 30/1444 Selective acquisition, locating or processing of specific regions, e.g. highlighted text, fiducial marks or predetermined fields
• CPC Class Codes: H04M 1/72403 with means for local support of applications that increase the functionality
• CPC Class Codes: H04M 2017/2525 optical code recognition [OCR], e.g. bar code reader
• CPC Class Codes: H04M 2250/14 including a card reading device
• CPC Class Codes: H04M 2250/52 including functional features of a camera

Abstract

A system and a method for conducting credit card transactions through a mobile device of a user. The mobile device comprises an image acquisition unit and a mobile application operated by the mobile device. The system enables acquiring an image of a client'"'"'s credit card, using the image acquisition unit; analyzing data of the image; outputting details of the credit card from the analysis; verifying the output details, wherein the verification is further carried out through the mobile application; verifying authorization of inputted monetary transaction, wherein the mobile application enables verifying the authorization by communicating with the billing center, associated with at least one credit company associated with the credit card over at least one communication network, wherein the communication is carried out by the mobile application using the mobile device; and conducting monetary transactions using the verified credit card details.

Claims

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;

prompting, at the device, a user of the device to provide biometric information to verify the user'"'"'s identity;

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

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

in accordance with a determination that the biometric information is verified by the server, receiving, from the server, credit card information extracted by the server from the portion of the image 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.

2. The method of claim 1, wherein the server is associated with a billing center corresponding to the credit card.

3. The method of claim 1, further comprising:

in response to receiving, from the server, the credit card information extracted from the portion of the image of the credit card, presenting the extracted credit card information on the display of the device.

4. The method of claim 1, further comprising:

prior to capturing the image of the credit card, receiving an input indicative of initiating the credit card transaction.

5. The method of claim 4, wherein the input is received through one of a user interface provided with the device and communication unit provided with the device.

6. The method of claim 1, further comprising storing the captured image of the credit card.

7. The method of claim 6, further comprising:

in response to transmitting at least the portion of the image of the credit card to the server, deleting the captured image of at least the portion of the credit card.

8. The method of claim 1, further comprising:

prior to transmitting at least the portion of the image of the credit card to the server, encrypting at least the portion of the captured image.

9. The method of claim 1, further comprising:

in response to receiving, from the server, the credit card information extracted from the portion of the image of the credit card, encrypting at least some credit card details included in the extracted credit card information.

10. The method of claim 9, wherein the encrypted credit card details are stored in the memory.

11. The method of claim 1, further comprising:

identifying at least one segment area in the captured image that includes at least one credit card detail, wherein the credit card detail is one of the credit card number, the name of the credit card holder, and the expiration date of the credit card; and

creating a segment image including the identified segment area.

12. The method of claim 11, wherein identifying the at least one segment area includes:

recognizing at least some of the characters identified in the at least one identified segment area corresponding to the at least one credit card detail.

13. The method of claim 1, further comprising:

prior to transmitting at least the portion of the image of the credit card to the server;

identifying one or more characters in the captured image;

determining an accuracy level for each of the one or more characters;

determining an overall recognition level for the captured image according to the accuracy levels determined for each of the one or more characters; and

in accordance with a determination that the overall recognition level for the captured image is below a predetermined threshold, capturing a second image of the credit card using the image acquisition unit of the device.

14. The method of claim 1, further comprising:

prior to transmitting at least the portion of the image of the credit card to the server;

determining a quality metric for the captured image; and

in accordance with a determination that the quality metric for the captured image is insufficient, capturing a second image of the credit card using the image acquisition unit.

15. The method of claim 14, wherein capturing the second image includes prompting the user of the device to present the credit card again.

16. The method of claim 1, further comprising:

in accordance with a determination that the biometric information is verified by the server and prior to receiving the credit card information and the prompting of the user of the device to confirm the credit card transaction;

receiving information, from the server, indicating that the credit information was not successfully extracted from the portion of the image of the credit card; and

performing at least one of capturing a second image of the credit card using the image acquisition unit and providing feedback to the user of the device.

17. The method of claim 1, further comprising:

concurrently presenting the credit card information extracted by the server from the portion of the image of the credit card and the prompting of the user of the device to confirm the credit card transaction.

18. The method of claim 1, further comprising:

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

(iii) transaction information determined by the server that corresponds to the credit card transaction, wherein the transaction information at least includes a transaction amount and a specification of goods or services corresponding to the credit card transaction.

19. A non-transitory computer readable storage medium storing one or more instructions configured for execution by one or more processors of a device with an image acquisition unit, that, when executed by the one or more processors, cause the device to:

capture an image of a credit card using the image acquisition unit of the device;

prompt, at the device, a user of the device to provide biometric information to verify the user'"'"'s identity;

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

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

in accordance with a determination that the biometric information is verified by the server, receive, from the server, credit card information extracted by the server from the portion of the image of the credit card;

prior to causing execution of the credit card transaction, prompt 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

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

20. A device, comprising:

an image acquisition unit configured to captured images;

a processor configured to at least execute instructions;

a transceiver configured to transmit and receive data communications; and

a memory storing instructions configured for execution by the processor, that, when executed cause the device to;

capture an image of a credit card using the image acquisition unit of the device;

prompt, at the device, a user of the device to provide biometric information to verify the user'"'"'s identity;

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

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

in accordance with a determination that the biometric information is verified by the server, receive, from the server, credit card information extracted by the server from the portion of the image of the credit card;

prior to causing execution of the credit card transaction, prompt 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

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

21. The device of claim 20, wherein the memory further comprises instructions that when executed by the processor cause the device to:

present the extracted credit card information on a display of the device in response to receiving, from the server, the credit card information extracted from the portion of the image of the credit card.