Internet payment system using credit card imaging

Patent metadata

Field	Value
Publication number	US-9836726-B2
Application number	US-201615059767-A
Country	US
Kind code	B2
Filing date	Mar 3, 2016
Priority date	Jul 14, 2008
Publication date	Dec 5, 2017
Grant date	Dec 5, 2017

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.

First claim

What is claimed is:

1. A method of conducting a credit card transaction, the method comprising:
at a device including an image acquisition unit, a processor, a memory, and a display:
capturing an image of a credit card using the image acquisition unit of the device;
prompting, at the device, a user of the device to provide biometric information to verify the user's identity;
obtaining, at the device, the biometric information from the user of the device;
transmitting, to a server, (A) at least a portion of the captured image of the credit card and (B) the obtained biometric information;
in accordance with a determination that the biometric information is verified by the server, receiving, from the server, credit card information extracted by the server from the portion of the image of the credit card;
prior to causing execution of the credit card transaction, prompting the user of the device to confirm the credit card transaction based on the credit information extracted from the portion of the image of the credit card by the server; and
executing the credit card transaction upon confirmation received from the device.

2. The method of claim 1 , wherein the server is associated with a billing center corresponding to the credit card.

3. The method of claim 1 , further comprising:
in response to receiving, from the server, the credit card information extracted from the portion of the image of the credit card, presenting the extracted credit card information on the display of the device.

4. The method of claim 1 , further comprising:
prior to capturing the image of the credit card, receiving an input indicative of initiating the credit card 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 1 , further comprising storing the captured image of the credit card.

7. The method of claim 6 , further comprising:
in response to transmitting at least the portion of the image of the credit card to the server, deleting the captured image of at least the portion of the credit card.

8. The method of claim 1 , further comprising:
prior to transmitting at least the portion of the image of the credit card to the server, encrypting at least the portion of the captured image.

9. The method of claim 1 , further comprising:
in response to receiving, from the server, the credit card information extracted from the portion of the image of the credit card, encrypting at least some credit card details included in the extracted credit card information.

10. The method of claim 9 , wherein the encrypted credit card details are stored in the memory.

11. The method of claim 1 , further comprising:
identifying at least one segment area in the captured image that includes at least one credit card detail, wherein the credit card detail is one of the credit card number, the name of the credit card holder, and the expiration date of the credit card; and
creating a segment image including the identified segment area.

12. The method of claim 11 , wherein identifying the at least one segment area includes:
recognizing at least some of the characters identified in the at least one identified segment area corresponding to the at least one credit card detail.

13. The method of claim 1 , further comprising:
prior to transmitting at least the portion of the image of the credit card to the server:
identifying one or more characters in the captured image;
determining an accuracy level for each of the one or more characters;
determining an overall recognition level for the captured image according to the accuracy levels determined for each of the one or more characters; and
in accordance with a determination that the overall recognition level for the captured image is below a predetermined threshold, capturing a second image of the credit card using the image acquisition unit of the device.

14. The method of claim 1 , further comprising:
prior to transmitting at least the portion of the image of the credit card to the server:
determining a quality metric for the captured image; and
in accordance with a determination that the quality metric for the captured image is insufficient, capturing a second image of the credit card using the image acquisition unit.

15. The method of claim 14 , wherein capturing the second image includes prompting the user of the device to present the credit card again.

16. The method of claim 1 , further comprising:
in accordance with a determination that the biometric information is verified by the server and prior to receiving the credit card information and the prompting of the user of the device to confirm the credit card transaction:
receiving information, from the server, indicating that the credit information was not successfully extracted from the portion of the image of the credit card; and
performing at least one of capturing a second image of the credit card using the image acquisition unit and providing feedback to the user of the device.

17. The method of claim 1 , further comprising:
concurrently presenting the credit card information extracted by the server from the portion of the image of the credit card and the prompting of the user of the device to confirm the credit card transaction.

18. The method of claim 1 , further comprising:
in accordance with a determination that the biometric information is verified by the server, receiving, at the device, from the server:
(iii) transaction information determined by the server that corresponds to the credit card transaction, wherein the transaction information at least includes a transaction amount and a specification of goods or services corresponding to the credit card transaction.

19. A non-transitory computer readable storage medium storing one or more instructions configured for execution by one or more processors of a device with an image acquisition unit, that, when executed by the one or more processors, cause the device to:
capture an image of a credit card using the image acquisition unit of the device;
prompt, at the device, a user of the device to provide biometric information to verify the user's identity;
obtain, at the device, the biometric information from the user of the device;
transmit, to a server, (A) at least a portion of the captured image of the credit card and (B) the obtained biometric information;
in accordance with a determination that the biometric information is verified by the server, receive, from the server, credit card information extracted by the server from the portion of the image of the credit card;
prior to causing execution of the credit card transaction, prompt the user of the device to confirm the credit card transaction based on the credit information extracted from the portion of the image of the credit card by the server; and
execute the credit card transaction upon confirmation received from the device.

20. A device, comprising:
an image acquisition unit configured to captured images;
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:
capture an image of a credit card using the image acquisition unit of the device;
prompt, at the device, a user of the device to provide biometric information to verify the user's identity;
obtain

Assignees

• Jumio Corp

Inventors

• Abulafia David
• Cohen Eyal

Classifications

• G06V30/1444

  Selective acquisition, locating or processing of specific regions, e.g. highlighted text, fiducial marks or predetermined fields · CPC title

• G06V30/142 Primary

  using hand-held instruments; Constructional details of the instruments · CPC title

• G06Q20/102 Primary

  Bill distribution or payments · CPC title

• G06V30/10

  Character recognition · CPC title

• G06Q20/42

  Confirmation, e.g. check or permission by the legal debtor of payment · CPC title