Payment card asset construction service

Patent metadata

Field	Value
Publication number	US-2021182835-A1
Application number	US-201916715369-A
Country	US
Kind code	A1
Filing date	Dec 16, 2019
Priority date	Dec 16, 2019
Publication date	Jun 17, 2021
Grant date	—

Abstract

Apparatus and methods for providing a digital card asset construction service. In and embodiment, a digital card asset service computer provides access to a digital card asset application user interface (API) to an issuer device, then receives a request from a user to construct or update a digital payment card product and receives card art data for the digital payment card product responsive to one or more queries presented by the digital card asset API. The process also includes receiving, by the digital card asset service computer from the issuer device, digital payment card product characteristics data responsive to at least one digital payment card product characteristic query, transmitting computer executable instructions to the issuer device for rendering an image of a payment card on a display screen of the issuer device as the user inputs data, then receiving an indication that the user is finished inputting data, and lastly storing a payment card product data file that includes card art data and payment card product characteristics data to a cloud service.

First claim

What is claimed is:

1 . A digital card asset construction service process comprising:
providing, by a digital card asset service computer to an issuer device, access to a digital card asset application user interface (API); receiving, by the digital card asset service computer from the issuer device, a request from a user to one of construct or update a digital payment card product; receiving, by the digital card asset service computer from the issuer device, card art data for the digital payment card product responsive to at least one card art query presented by the digital card asset API; receiving, by the digital card asset service computer from the issuer device, digital payment card product characteristics data responsive to at least one digital payment card product characteristic query presented by the digital card asset API; transmitting, by the digital card asset service computer to the issuer device, computer executable instructions for rendering an image of a payment card on a display screen of the issuer device as the user inputs data into the digital card asset API responsive to the at least one card art query and responsive to the at least one card product characteristic query; receiving, by the digital card asset service computer from the issuer device, an indication that the user is finished inputting data into the digital card asset API; and storing, by the digital card asset service computer to a cloud service, a payment card product data file that comprises card art data and payment card product characteristics data.

2 . The method of claim 1 , further comprising, prior to storing the payment card product data file:
receiving, by the digital card asset service computer from the issuer device, a selection of at least one platform from the user; and generating, by the digital card asset service computer, the card art data file to include card art rendering instructions compatible with the at least one platform selected by the user.

3 . The method of claim 2 , wherein the at least one platform comprises at least one of a consumer mobile device, a consumer wearable device, and an e-commerce website.

4 . The method of claim 1 , further comprising:
receiving, by the digital card asset service computer from the issuer device, selection by the user of at least one digital store; and transmitting, by the digital card asset service computer, the card art digital file to the at least one digital store.

5 . The method of claim 4 , wherein the at least one digital store comprises at least one of a merchant website, a wallet service provider and a digital distribution service.

6 . The method of claim 1 , wherein the digital payment card product characteristics comprise at least one of a background color for the digital payment card product, a company logo, a product type, a payment card promotion expiration date, and one or more form factors.

7 . The method of claim 1 , further comprising:
determining, by the digital card asset service computer, that the user updated an existing payment card image file; storing, by the digital card asset service computer, the updated payment card image data files in the cloud; and automatically pushing, by the digital card asset service computer to at least one end destination, data associated with the updated payment card image.

8 . The method of claim 7 , wherein the at least one end destination comprises at least one of a merchant website and a digital wallet designated by the user.

9 . An apparatus, comprising:
a digital card asset processor; a communications device operably connected to the digital card asset processor; and a storage device operably connected to the digital card asset processor, the storage device storing processor executable instructions which when executed cause the digital card asset processor to:
provide access to a digital card asset application user interface (API) to an issuer device;
receive a request from a user of the issuer device to one of construct or update a digital payment card product;
receive card art data from the issuer device for the digital payment card product responsive to at least one card art query presented by the digital card asset API;
receive digital payment card product characteristics data from the issuer device responsive to at least one digital payment card product characteristic query presented by the digital card asset API;
transmit computer executable instructions to the issuer device for rendering an image of a payment card on a display screen of the issuer device as the user inputs data into the digital card asset API responsive to the at least one card art query and responsive to the at least one card product characteristic query;
receive an indication from the issuer device that the user is finished inputting data into the digital card asset API; and
store a payment card product data file that comprises card art data and payment card product characteristics data to a cloud service.

10 . The apparatus of claim 9 , wherein the storage device stores further processor executable instructions, prior to the instructions for storing the payment card product data file, which when executed cause the digital card asset processor to:
receive a selection of at least one platform from the user of the issuer device; and generate the card art data file to include card art rendering instructions compatible with the at least one platform selected by the user.

11 . The apparatus of claim 10 , wherein the at least one platform comprises at least one of a consumer mobile device, a consumer wearable device, and an e-commerce website.

12 . The apparatus of claim 9 , wherein the storage device stores further processor executable instructions which when executed cause the digital card asset processor to:
receive a selection of at least one digital store by the user of the issuer device; and transmit the card art digital file to the at least one digital store.

13 . The apparatus of claim 12 , wherein the at least one digital store comprises at least one of a merchant website, a wallet service provider and a digital distribution service.

14 . The apparatus of claim 9 , wherein the digital payment card product characteristics comprise at least one of a background color for the digital payment card product, a company logo, a product type, a payment card promotion expiration date, and one or more form factors.

15 . The apparatus of claim 9 , wherein the storage device stores further processor executable instructions which when executed cause the digital card asset processor to:
determine that the user updated an existing payment card image file; store the updated payment card image data files in the cloud; and automatically push data associated with the updated payment card image to at least one end destination.

16 . The apparatus of claim 15 , wherein the at least one end destination comprises at least one of a merchant website and a digital wallet designated by the user.

Assignees

• Mastercard International Inc

Inventors

• Kurylko Marek
• Hayes Joseph
• Chavarria Pedro

Classifications

• G06Q20/3558

  Preliminary personalisation for transfer to user · CPC title

• G06Q20/3672

  initialising or reloading thereof · CPC title

• G06Q20/3552 Primary

  Downloading or loading of personalisation data · CPC title

• G06F16/9566

  URL specific, e.g. using aliases, detecting broken or misspelled links · CPC title

• G06Q40/02

  Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) · CPC title