Mobile Payment Card Image Capture and OCR Authentication
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Existing online payment systems face challenges in conveniently linking user accounts with payment cards on mobile devices, particularly due to the difficulty of entering long sequences of numbers on small touch keyboards and the need for additional verification steps, which slows down the linking process and compromises security.
Innovation Solution
A method and system that uses a mobile device to capture images of payment cards and user identification cards, extracting information automatically and sending it to a server for authentication with a financial institution, allowing for secure and efficient linking of user accounts with payment cards without manual input errors.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If manual entry of payment card information is used, then security verification can be performed, but the linking process becomes slow and error-prone due to long sequences of numbers on small touch keyboards
Solution Approach 1:
The patent replaces the mechanical manual typing process with an optical image capture and recognition system. The mobile device camera captures an image of the payment card, and optical character recognition (OCR) technology automatically extracts the card information, eliminating the need for manual entry of long number sequences on small keyboards while maintaining security verification through automated validation.
Solution Approach 2:
The patent creates a visual copy of the payment card information through image capture. Instead of requiring users to manually transcribe card details, the system captures an image copy of the card and automatically extracts the information from this visual replica, significantly reducing entry time and errors while enabling automated security verification.
2Reliability
If additional verification steps are added to enhance security, then authentication reliability improves, but the linking process time increases
Solution Approach 1:
The patent performs preliminary actions by capturing the payment card image and extracting information before the actual linking process begins. The system pre-validates the extracted information against security criteria, so that when the linking is initiated, the verification is already partially complete, reducing the overall time required while maintaining high authentication reliability.
Solution Approach 2:
The patent ensures continuous useful action by seamlessly integrating image capture, information extraction, validation, and linking into a single uninterrupted workflow. The system processes each step immediately after the previous one without requiring user intervention or waiting periods, maintaining continuous productive action throughout the authentication process.
Data Source
AI summary
The present application discloses a method for authorizing mobile payment from a mobile application installed on a mobile device. After a user logs into a user account at the mobile application, the mobile device receives user information, and obtains payment card information retrieved from a first image of a payment card captured by the mobile device. Then, a request is sent to a server for authorizing the user to make mobile payment using the mobile application. The server is configured to authenticate the request by communicating with a financial institution using the user information and the payment card information. The mobile device receives a confirmation message after the authentication of the user information and the payment card information by the financial institution, and displays the confirmation message to the user of the mobile device such that the user can make mobile payment via the user account at the mobile application.