System for vision impaired users to execute electronic transactions

Patent metadata

Field	Value
Publication number	US-11017394-B2
Application number	US-201616096214-A
Country	US
Kind code	B2
Filing date	Apr 25, 2016
Priority date	Apr 25, 2016
Publication date	May 25, 2021
Grant date	May 25, 2021

Abstract

A method of enabling an electronic payment for a visually impaired user may be disclosed. The visually impaired user may proceed to use the payment device and enter the braille code which may be communicated to an authority using a first channel to begin a transaction. The system may communicate a verification code to the portable computing device using a second communication channel. The user may enter the verification code which may be communicated to an authority via the first communication channel.

First claim

The invention claimed is:

1. A computer-implemented method of enabling an electronic payment for a visually impaired user comprising:
receiving a registration for a payment device and an indication that the visually impaired user corresponds to the payment device;
associating the payment device and the indication;
issuing a unique braille identifier associated with the payment device;
associating the braille identifier and a portable computing device, wherein the portable computing device corresponds to the visually impaired user and includes a braille input device having a braille input screen to receive the braille identifier;
receiving a purchase request for the payment device through a first channel at a purchase request server, the purchase request initiated at a point of sale device at a store computer system, the purchase request including the braille identifier;
automatically sending a first control signal to the braille input device of the portable computing device that is communicably connected to the point of sale device, wherein the first control signal configures the portable computing device to display the braille input screen to receive the braille identifier in response to the first channel at the purchase request server receiving the purchase request;
determining if the braille identifier received at the portable computing device is properly related to the payment device;
in response to the braille identifier being recognized from the portable computing device, automatically sending a second control signal to the portable computing device for initiating a phone call using a second channel to communicate a verification code to the portable computing device;
in response to the second control signal, receiving the verification code at an authority server from the portable computing device through the first channel; and
in response to the verification code being recognized, communicating an authorization for the transaction from the authority server.

2. The method of claim 1 , wherein the braille identifier is further associated with a portable computing device at a payment processor.

3. The method of claim 1 , wherein the payment device provides access to an account that is payment capable.

4. The method of claim 1 , wherein the braille identifier comprises a code which the user enters on a braille enabled input device.

5. The method of claim 1 , wherein the first channel comprises a first wireless communication channel.

6. The method of claim 1 , wherein the second channel comprises a second wireless communication channel and the first wireless communication channel is different than the second wireless communication channel.

7. The method of claim 6 , wherein the second communication channel carries voice data.

8. The method of claim 7 , wherein the verification code is communicated via a voice to the user.

9. The method of claim 8 , wherein the user enters the verification code via an input device on a portable computing device.

10. The method of claim 9 , wherein the verification code is communicated wirelessly to an authority.

11. The method of claim 9 , wherein the verification code is communicated to a point of sale device.

12. The method of claim 9 , wherein the verification code is communicated to the authority over a payment network.

13. The method of claim 1 , further comprising communicating the authorization to the user.

14. The method of claim 11 , further comprising utilizing a payment application operating on the portable computing device.

15. The method of claim 1 , further comprising registering the debit card using a braille accessible computer over a payment network.

16. A processor-implemented system for enabling an electronic payment for a visually impaired user comprising:
an authority server including a processor and a memory disposed in communication with the memory and storing processor-executable instructions for:
receiving a registration for a payment device and an indication that the visually impaired user corresponds to the payment device;
associating the payment device and the indication;
issuing a unique braille identifier associated with the payment device;
associating the braille identifier and a portable computing device, wherein the portable computing device corresponds to the visually impaired user and includes a braille input device having a braille input screen to receive the braille identifier;
receiving a purchase request for the payment device through a first channel at a purchase request server, the purchase request initiated at a point of sale device at a store computer system, the purchase request including the braille identifier;
automatically sending a first control signal to the braille input device of the portable computing device that is communicably connected to a point of sale device, wherein the first control signal configures the portable computing device to display the braille input screen to receive the braille identifier in response to the first channel at the purchase request server receiving the purchase request;
determining if the braille identifier received at the portable computing device is properly related to the payment device;
in response to the braille identifier being recognized from the portable computing device, automatically sending a second control signal to the portable computing device for initiating a phone call using a second channel to communicate a verification code to the portable computing device;
in response to the second control signal, receiving the verification code at the authority server from the portable computing device through the first channel; and
in response to the verification code being recognized, communicating an authorization for the transaction from the authority server.

17. The system of claim 16 , wherein the braille identifier is further associated with a portable computing device at a payment processor.

18. The system of claim 16 , wherein the first channel comprises a first wireless communication channel, the second channel comprises a second wireless communication channel, the first wireless communication channel is different than the second wireless communication channel, and the second communication channel carries voice data.

19. The system of claim 16 , further comprising communicating the authorization to the user utilizing a payment application operating on the portable computing device.

20. The system of claim 16 , wherein the debit card is registered using a braille accessible computer over a payment network.

Assignees

• Visa Int Service Ass

Inventors

• Mokhasi Gaurav Srikant
• Agrawal Vyankatesh

Classifications

• G06Q20/326

  Payment applications installed on the mobile devices · CPC title

• G09B21/04

  Devices for conversing with the deaf-blind · CPC title

• A61F9/08

  Devices or methods enabling eye-patients to replace direct visual perception by another kind of perception · CPC title

• G09B21/003

  using tactile presentation of the information, e.g. Braille displays · CPC title

• G07F19/201

  Accessories of ATMs · CPC title