Method of transaction card recognition and interaction

1. A method for recognition of and interaction with a transaction card having a plurality of surfaces, at least one of the surfaces having a visual pattern applied thereto, the method comprising:

collecting one or more real world images including the transaction card via an image sensor directed toward at least one of the surfaces having the visual patterns, the image sensor functionally linked to a computing device;

displaying a first image layer comprising said one or more real world images on a display unit functionally linked to the computing device, said one or more images representing an orientation of the transaction card to the image sensor in three-dimensional space;

electronically comparing the visual pattern in the collected one or more real world images with reference card patterns, wherein the visual pattern is identified as associated with a particular transaction card or type of transaction card;

displaying a second image layer comprising a virtual object associated with the identified transaction card or type of transaction card on the display unit, wherein the virtual object is overlaid and occlusive with respect to at least a portion of the first image layer;

upon identifying a dynamic trigger action by a user of the computing device with respect to the virtual object, executing an exchange of data associated with the transaction card between the client device and a remote server,

wherein the dynamic trigger action comprises enabling a user to engage the virtual object with a pointer in the same three-dimensional space of the camera viewing area as the transaction card; and

generating a third image layer associated with the pointer which is occlusive with respect to corresponding portions of the second image layer.

2. The method of claim 1 , the virtual object comprising a graphical user interface generated on the display unit.

3. The method of claim 1 , further comprising steps of:

reading an identifier unique to the transaction card; and

obtaining transaction card account data associated with the identifier.

4. The method of claim 3 , wherein the step of executing an exchange of data associated with the transaction card between the computing device and a remote server comprises:

generating a graphical user interface on the display unit, and

enabling an exchange of account-specific data between the computing device and a remote server via user manipulation of the user interface.

5. The method of claim 4 , the user interface effective to enable registration of an account associated with the transaction card via user manipulation of the user interface.

6. The method of claim 4 , the user interface effective to enable purchases from a third party merchant via user manipulation of the user interface.

7. The method of claim 4 , the user interface effective to enable transfer of funds between a transaction card user account and a third party account.

8. The method of claim 1 , wherein the image sensor comprises a camera associated with a mobile computing device as the client device.

9. The method of claim 8 , wherein the virtual object is displayed having an orientation in three-dimensional space corresponding to the orientation of the transaction card to the camera.

10. A system for recognition of and interaction with a transaction card having a plurality of surfaces, at least one of the surfaces having a visual pattern applied thereto, the system comprising:

a user computing device further comprising a camera, a display, a processor and a computer readable medium having one or more program modules residing thereon;

a server operatively linked to the processor of the user computing device via a communications network;

data storage comprising account data associated with each of a plurality of transaction cards, and reference data corresponding to a respective visual pattern provided upon at least one surface of each transaction card;

wherein the processor is configured to execute operations comprising:

upon direction of the camera toward a particular one of the plurality of transaction cards, displaying a real world image layer on the display including the particular transaction card, the image representing an orientation of the transaction card to the camera in three-dimensional space;

comparing the visual pattern in the displayed real world image with the reference data, wherein the visual pattern is identified as associated with the particular transaction card or an associated type of transaction card;

displaying a virtual image layer comprising a virtual object associated with the identified transaction card or type of transaction card on the display, wherein the virtual object is overlaid with respect to the real world image layer; and

upon identifying a dynamic trigger action by a user of the computing device with respect to the virtual object, executing an exchange of account data associated with the transaction card between the device and the server,

wherein the dynamic trigger action comprises enabling a user to engage the virtual object with a pointer in the same three-dimensional space of the camera viewing area as the transaction card; and

generating a third image layer associated with the pointer which is occlusive with respect to corresponding portions of the virtual image layer.

11. The system of claim 10 , wherein the virtual object is displayed having an orientation in three-dimensional space corresponding to the orientation of the transaction card to the camera.

12. The system of claim 10 , wherein at least part of the virtual image layer is occlusive with respect to corresponding portions of the real world image layer.

13. A system for recognition of and interaction with a transaction card having a plurality of surfaces, at least one of the surfaces having a visual pattern applied thereto, the system comprising:

a user computing device further comprising a camera, a display, a processor and a computer readable medium having one or more program modules residing thereon;

a server operatively linked to the processor of the user computing device via a communications network;

data storage comprising account data associated with each of a plurality of transaction cards, and reference data corresponding to a respective visual pattern provided upon at least one surface of each transaction card;

wherein the processor is configured to execute operations comprising:

upon direction of the camera toward a particular one of the plurality of transaction cards, displaying a real world image layer comprising an image on the display of the particular transaction card, the image representing an orientation of the transaction card to the camera in three-dimensional space;

comparing the visual pattern in the displayed image with the reference data, wherein the visual pattern is identified as associated with the particular transaction card or an associated type of transaction card;

displaying a virtual image layer comprising a virtual object associated with the identified transaction card or type of transaction card on the display, wherein the virtual object is overlaid with respect to the actual image layer, and at least part of the virtual image layer is occlusive with respect to corresponding portions of the actual image layer;

enabling a dynamic trigger action by a user of the computing device with respect to the virtual object, which dynamic trigger action enables an exchange of account data associated with the transaction card between the device and the server;

enabling a user to engage the virtual object with a pointer in the same three-dimensional space of the camera viewing area as the transaction card; and

generating a third image layer associated with the pointer which is occlusive with respect to corresponding portions of the virtual image layer.

14. The system of claim 13 , wherein the dynamic trigger action comprises user manipulation of a portion of the display via a pointing device, the user manipulated portion of the display relating to the displayed virtual object.

15. The system of claim 14 , wherein the exchange of data associated with the transaction card between the device and the server comprises:

generating a graphical user interface on the display unit, and

enabling an exchange of account-specific data between the computing device and a remote server via user manipulation of the user interface,

the exchange of account-specific data comprising one or more operations selectable by the user from among: registration of an account associated with the transaction card; purchases from a third party merchant; and transfer of funds between a transaction card user account and a third party account.