Embedded payment tokens in digital media objects

Patent metadata

Field	Value
Publication number	US-12236474-B2
Application number	US-202318105347-A
Country	US
Kind code	B2
Filing date	Feb 3, 2023
Priority date	Mar 14, 2018
Publication date	Feb 25, 2025
Grant date	Feb 25, 2025

Abstract

A token specifying a payment account is issued to a party to which payments are to be made and the token is installed in a specially configured camera. Whenever a photograph is captured by the camera, a copy of the token, among other things, is embedded in the photograph's metadata. The metadata may also include photo-specific information and a selling price. When a buyer selects the photo for purchase, the token may be used to facilitate a payment to the party, such as the photographer. The buyer may initiate the transaction by simply dragging the selected photograph or photographs onto a purchase application which automatically extracts price and the token for initiating the purchase transaction. The seller can view the purchase details in the payment account.

First claim

The invention claimed is:

1. A method of capturing and distributing a media object, the method comprising:
receiving, via a user interface of a device, a payment token associated with a payee;
requesting, via the user interface of the device, the token via a communication with a token service;
storing the payment token in a secure memory of the device;
storing a media object in a memory of the device separate from the secure memory, the media object including a media item and metadata;
adding the payment token and a price to the metadata; and
exporting the media object to a site accessible to third parties.

2. The method of claim 1 , wherein requesting the token further comprises:
receiving, via the user interface of the device, a personal account number (PAN) of the payee; and
sending the PAN to the token service.

3. The method of claim 1 further comprising capturing a media item with the device.

4. The method of claim 3 , wherein the payment token is associated with the media item.

5. The method of claim 1 further comprising:
retrieving, at a computer, the media object; extracting the payment token from the media object;
generating a payment object using data from the payment token; and sending the payment object to a payment processor.

6. The method of claim 5 , wherein generating the payment object comprises:
receiving a user interface command causing the movement of the media object onto an icon of a payment application;
extracting, via the payment application, the payment token from the media object; and
formatting the payment object, via the payment application, using information stored in the payment token.

7. The method of claim 1 , wherein the metadata includes at least a date and time that the media item was captured.

8. The method of claim 1 , wherein the media item is at least one of a digital image, a digital video, or a sound recording.

9. The method of claim 1 , wherein the media item was captured by the device.

10. The method of claim 1 , wherein the metadata follows an extensible metadata platform (XMP) format.

11. A method of distributing a media object, the method comprising:
retrieving, at a computer, a media object from a site, the media object including:
a media item,
a payment token, wherein the payment token conceals a personal account number of a copyright owner of the media item, and
a price associated with the media item;

presenting, by the computer, the media object on a user interface;
detecting, by the computer, movement of the media object onto an icon of a payment application;
extracting, via the computer, the payment token from the media object;
generating a payment object using data from the payment token; and
sending the payment object to a payment processor via the payment application.

12. The method of claim 11 , wherein generating the payment object includes formatting the payment object via the payment application using the payment token.

13. The method of claim 11 , wherein the payment token is associated with a payee associated with the media item.

14. The method of claim 11 , wherein the media item is associated with a payee of the payment token.

15. A method of providing a payment token, the method comprising:
receiving, at a token server, a token request from a device associated with a user, the request including a personal account number (PAN) of the user;
in response to the token request, generating, by the token server, a new payment token;
transmitting the new payment token to the device for installation into a secure memory of the device and for adding to metadata of a media item;
receiving, from a payment processor, the media item from a media database uploaded by the device associated with the user, wherein the media item comprises the metadata and the new payment token; and
in response to receiving the new payment token from the payment processor:
identifying the PAN of the user based on the new payment token, and
transmitting the PAN to the payment processor for completing a transaction associated with the media item.

16. The method of claim 15 , wherein the new payment token follows an ISO numbering standard.

17. The method of claim 15 , wherein the new payment token is extracted from a media object including the media item and the new payment token.

18. The method of claim 16 , wherein the extraction of the payment token is performed using a payment formatter.

19. The method of claim 15 , wherein the PAN represents a user account to which payments will be made for the media item.

Assignees

• Visa Int Service Ass

Inventors

• Sen Animikh

Classifications

• G06Q20/123

  Shopping for digital content · CPC title

• G06Q20/3267

  In-app payments · CPC title

• G07F17/16

  for devices exhibiting advertisements, announcements, pictures or the like · CPC title

• G07F17/02

  for optical devices, e.g. telescopes · CPC title

• G06Q20/3821

  Electronic credentials · CPC title