| 摘要 |
Financial transaction card data can be entered by providing a picture of the card to a server programmed with a text recognition algorithm. The server can perform text recognition on the image at the same time that a consumer enters additional required data, such as a zip code. The server can perform as much text recognition processing as possible in the time the consumer is entering the additional data. Once the additional data is received, a signal can be provided to the server indicating that the user is now waiting for results of the text recognition process, meaning the server should provide them as quickly as possible. Once text recognition results are received, a consumer can make a selection to identify a character which the text recognition algorithm did not sufficiently identify. Based on known account number constraints, the user selection can cause multiple characters to be identified. |
| 主权项 |
1. A method for either linking a financial transaction card to a service provided by a payment service system or for entering account data from the financial transaction card to perform a transaction, where the method includes parallel A) entry of account information performed on a mobile device of a user and B) optical text recognition processing, by a server, on an image of the financial transaction card, the method comprising:
receiving the image of the financial transaction card with a camera of the mobile device,
wherein receiving the image of the financial transaction card comprises providing an overlay on a screen of the mobile device showing input from the camera such that the overlay directs one or more of: card alignment, camera distance, or lighting conditions, andwherein the overlay is configured to optimize image quality for recognizing account data associated with a payment account imprinted on the financial transaction card; sending the image of the financial transaction card from the mobile device to a server configured to perform text recognition on images of financial transaction cards; performing, by the server, text recognition on the image of the financial transaction card; after receiving the image of the financial transaction card but prior to receiving, by the mobile device, a response from the server including results of the text recognition, providing a prompt to the user for account information associated with the payment account, the account information comprising: a card verification value (cvv), an expiration date, and a zip code; receiving the cvv, expiration date, and zip code account information from the user via an on-screen keyboard of the mobile device; upon receiving the cvv, expiration date, and zip code from the user, sending from the mobile device to the server, an indication that the user is waiting for results of the text recognition; providing, by the server to the mobile device, multiple versions of text recognition results, wherein each version of the text recognition results is associated with a confidence score; iterating through the received versions of the text recognition results in order of the associated confidence scores to determine which one, if any, can be used to verify account data for the payment account; verifying the account data for the payment account, and sending the account data for the payment account to a second server that either:
links the financial transaction card to the service provided by the payment service system by storing the account data, in a database, with an association to the user and the service provided by the payment service system; orperforms the transaction using the account data. |
