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Methods and arrangements for smartphone payments and transactions

  • US 9,311,640 B2
  • Filed: 02/13/2014
  • Issued: 04/12/2016
  • Est. Priority Date: 02/11/2014
  • Status: Active Grant
First Claim
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1. A smartphone comprising:

  • a touch screen display;

    a microphone for capturing ambient audio;

    memory for storing an image, the image depicting a virtual card; and

    one or more processors configured for;

    obtaining versions of the stored image;

    accessing a payload;

    processing the payload with an erasure code generator, in which the erasure code generator produces a plurality of components, the plurality of components corresponding to the payload;

    embedding one of the plurality of components in a version of the stored image and proceeding with embedding until each of the plurality of components is embedded in a version of the stored image, in which the embedding utilizes digital watermarking;

    causing the touch screen display to display a plurality of embedded image versions so as to cause a static image display effect of the virtual card, the displayed embedded image versions being displayed by the smartphone.

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