Internet Payment System Using Credit Card Imaging

• US 20120143760A1
• Filed: 10/17/2011
• Published: 06/07/2012
• Est. Priority Date: 07/14/2008
• Status: Active Grant

• Current Assignee: Jumio Inc.
• Original Assignee: Jumio Inc.
• Inventors: Abulafia, David, Cohen, Eyal
• Granted Patent: US 9,305,230 B2
• Time in Patent Office: Days
• US Class Current: 705/44
• 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 constructional features concerning the integration of cameras in portable phones H04M1/0264

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 credit card transactions through a device including an image acquisition unit, a processor, a memory and a display, the method comprising:

acquiring an image of a credit card using the image acquisition unit;

extracting at least some of the credit card details from the image of the credit card; and

communicating at least some of the credit card details to a third party.

2. The method of claim 1, wherein the third party includes a billing center associated with the credit card.

3. The method of claim 1, further comprising presenting the extracted credit card details on the display in association with a monetary transaction.

4. The method of claim 2, further comprising receiving an input indicative of a monetary 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 2, further comprising receiving an input from a user indicative of assent to a monetary transaction using the credit card details.

7. The method of claim 1, wherein communicating with the billing center includes requesting authorization of a monetary transaction, and receiving feedback from the bill center including at least one of an indication authorizing the monetary transaction and an indication declining the monetary transaction.

8. The method of claim 1, wherein extracting the credit card details includes applying an optical character recognition technique for identifying at least one of a credit card number, an expiration date, a card verification value and a name of a card holder.

9. The method of claim 1, further comprising:

determining whether the credit card details have been successfully extracted; and

acquiring a new image of the credit card in response to determining that the credit card details were not successfully extracted from the previously acquired image.

10. The method of claim 9, wherein acquiring a new image includes prompting a user to present the credit card again.

11. The method of claim 1, further comprising authenticating the user.

12. The method of claim 11, wherein authenticating the user includes at least one of obtaining biometric information from the user.

13. The method of claim 1, further comprising storing the acquired image of the credit card.

14. The method of claim 13, further comprising encrypting the acquired image.

15. The method of claim 14, wherein the encrypted image is at least one of stored in the memory and transmitted to the third party.

16. The method of claim 1, further comprising encrypting at least some of the credit card details.

17. The method of claim 16, wherein the encrypted credit card details are at least one of stored in the memory and transmitted to the third party.

18. The method of claim 1, further comprising:

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

receiving from the server at least one of the credit card details and verification of a completed transaction using the credit details extracted from the image.

19. The method of claim 1, further comprising:

identifying at least one segment area in the acquired image that includes at least one of the credit card details; and

creating an image of the identified segment area.

20. The method of claim 1, wherein extracting the credit card details includes:

identifying credit card details by identifying at least one segment area within the image, wherein each segment area includes characters of the credit card details; and

recognizing the at least some of the characters identified at least one of the identified segment areas.

21. The method of claim 1, wherein extracting the credit card details includes:

identifying at least some of the characters in the image;

determining the accuracy level for at least some of the recognized characters;

assessing a recognition level according to the determined accuracy levels; and

at least one of repeating the image acquisition and credit card detail extraction, and providing feedback to a user in response to determining that the recognition level is below a threshold.

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

obtain an image of a credit card using the image acquisition unit;

extract the credit card details from the image of the credit card; and

communicate with a billing center associated with at least one credit company associated with the credit card, wherein the communication includes the extracted credit card details.

23. A device comprising:

an image acquisition unit;

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;

obtain an image of a credit card using the image acquisition unit,

extract the credit card details from the image of the credit card, and

communicate with a billing center associated with at least one credit company associated with the credit card, wherein the communication includes the extracted credit card details.