IP Library Granted Patent US 11,546,326
Granted Patent B2
US 11,546,326 · App. 17/315,564 · Granted Jan 3, 2023

Card-personalization system

Inventors: Elliotte Douglas-Middleton (Raleigh, NC); Nicole Riggs Mathes (Raleigh, NC); Madhusadan Panda (Cary, NC); Jennifer Kay Herring (Raleigh, NC); Charles C. Lyttle (Clayton, NC); Alok Kumar (Cary, NC)
Assignee: Truist Bank
H04L63/0853G06F21/00G06Q20/355G07F7/08
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Quick Facts
Patent No.
US 11,546,326
App. No.
17/315,564
Granted
Jan 3, 2023
Kind
B2
Abstract

A personalized card may be generated using a card-personalization system accessible via multiple access points on a network. In some aspects, the personalized card may include a physical card having an image selected by a user in a card-personalization process. The user may be assigned a code that may both authenticate the user to access the card-personalization system and identify a position of the user in the card-personalization process. The card-personalization process may include a selection process for selecting an image, an approval process for approving the image, and a creation process for generating the personalized card including the image.

Claims (73)

1. A system comprising:

a processing device; and

a memory device that includes instructions that are executable by the processing device to cause the processing device to:

generate a graphical user interface configured to assist in a process for personalizing a physical card, wherein the process is formed from a plurality of steps including (a) receiving a selection of an image from a user, (b) approving the image for compliance with predefined image criteria, and (c) initiating manufacturing of the physical card with the image;

receive a code from the user via a first user device, wherein the code is a unique set of characters that was previously generated by the processing device and provided to the user to enable the user to access the graphical user interface without supplying a user-created password;

authenticate the first user device based on the code in response to receiving the code from the user;

receive the selection of the image from the user via a second user device that is different from the first user device;

based on the receiving the selection of the image from the user, transmit a notification to the second user device indicating that the user is required to select or create an account to continue the process;

subsequent to the user selecting or creating the account:

authenticate the user based on the code to continue the process;

determine a current step of the user in the process based on the code and a status identifier associated with the user in a database; and

update the graphical user interface to reflect the current step of the user in the process;

determine that the image is in an approval stage of the process in which the image is analyzed for compliance with the predefined image criteria;

update the status identifier to indicate that the image is in the approval stage; and

in response to determining that the image is approved in the approval stage, electronically transmit the image to a printing subsystem for generating a personalized card with the image for the user.

2. The system of claim 1 , wherein the memory device further includes instructions that are executable by the processing device to cause the processing device to update the graphical user interface to include a message indicating the image is in the approval stage.

3. The system of claim 1 , wherein the memory device further includes instructions that are executable by the processing device to cause the processing device to update the graphical user interface to include a message indicating the image has been rejected.

4. The system of claim 1 , wherein the approval stage involves a manual inspection of the image by an agent, and wherein the memory device further includes instructions that are executable by the processing device to cause the processing device to:

transmit a report to the agent to manually review the image;

receive an approval or a rejection of the image from the agent; and

update the status identifier based on the approval or the rejection.

5. The system of claim 1 , wherein the printing subsystem is configured to, subsequent to the image being approved in the approval stage:

obtain the image;

receive, from a secure location in memory, account information corresponding to the account of the user; and

apply the image and the account information to the physical card to generate the personalized card for use as a payment card.

6. The system of claim 1 , wherein the approval stage involves analyzing the image for copyrighted material or subject matter that does not comply with one or more predefined lewdness standards.

7. The system of claim 1 , wherein the memory device further includes instructions that are executable by the processing device to cause the processing device to store relationships between a user identifier for the user, a user code, the status identifier, and the image in one or more databases.

8. A method comprising:

generating, by a processing device, a graphical user interface configured to assist in a process for personalizing a physical card, wherein the process is formed from a plurality of steps including (a) receiving a selection of an image from a user, (b) approving the image for compliance with predefined image criteria, and (c) initiating manufacturing of the physical card with the image;

receiving, by the processing device, a code from the user via a first user device, wherein the code is a unique set of characters that was previously generated by the processing device and provided to the user to enable the user to access the graphical user interface without supplying a user-created password;

authenticating, by the processing device, the first user device based on the code in response to receiving the code from the user;

receiving, by the processing device, the selection of the image from the user via a second user device that is different from the first user device;

based on the receiving the selection of the image from the user, transmitting, by the processing device, a notification to the second user device indicating that the user is required to select or create an account to continue the process;

subsequent to the user selecting or creating the account:

authenticating, by the processing device, the user based on the code to continue the process;

determining, by the processing device, a current step of the user in the process based on the code and a status identifier associated with the user in a database; and

updating, by the processing device, the graphical user interface to reflect the current step of the user in the process;

determining, by the processing device, that the image is in an approval stage of the process in which the image is analyzed for compliance with the predefined image criteria;

updating, by the processing device, the status identifier to indicate that the image is in the approval stage; and

in response to determining that the image is approved in the approval stage, electronically transmitting, by the processing device, the image to a printing subsystem for generating a personalized card with the image for the user.

9. The method of claim 8 , further comprising updating the graphical user interface to include a message indicating the image is in the approval stage.

10. The method of claim 8 , further comprising updating the graphical user interface to include a message indicating the image has been rejected.

11. The method of claim 8 , wherein the approval stage involves a manual inspection of the image by an agent, and further comprising:

transmitting a report to the agent to manually review the image;

receiving an approval or a rejection of the image from the agent; and

updating the status identifier based on the approval or the rejection.

12. The method of claim 8 , wherein the printing subsystem is configured to, subsequent to the image being approved in the approval stage:

obtain the image;

receive, from a secure location in memory, account information corresponding to the account of the user; and

apply the image and the account information to the physical card to generate the personalized card for use as a payment card.

13. The method of claim 8 , wherein the approval stage involves analyzing the image for copyrighted material or subject matter that does not comply with one or more predefined lewdness standards.

14. The method of claim 8 , further comprising storing relationships between a user identifier for the user, a user code, the status identifier, and the image in one or more databases.

15. A non-transitory computer-readable medium comprising program code that is executable by a processing device to cause the processing device to:

generate a graphical user interface configured to assist in a process for personalizing a physical card, wherein the process is formed from a plurality of steps including (a) receiving a selection of an image from a user, (b) approving the image for compliance with predefined image criteria, and (c) initiating manufacturing of the physical card with the image;

receive a code from the user via a first user device, wherein the code is a unique set of characters that was previously generated by the processing device and provided to the user to enable the user to access the graphical user interface without supplying a user-created password;

authenticate the first user device based on the code in response to receiving the code from the user;

receive the selection of the image from the user via a second user device that is different from the first user device;

based on the receiving the selection of the image from the user, transmit a notification to the second user device indicating that the user is required to select or create an account to continue the process;

subsequent to the user selecting or creating the account:

authenticate the user based on the code to continue the process;

determine a current step of the user in the process based on the code and a status identifier associated with the user in a database; and

update the graphical user interface to reflect the current step of the user in the process;

determine that the image is in an approval stage of the process in which the image is analyzed for compliance with the predefined image criteria;

update the status identifier to indicate that the image is in the approval stage; and

in response to determining that the image is approved in the approval stage, electronically transmit the image to a printing subsystem for generating a personalized card with the image for the user.

16. The non-transitory computer-readable medium of claim 15 , further comprising program code that is executable by the processing device to cause the processing device to update the graphical user interface to include a message indicating the image is in the approval stage.

17. The non-transitory computer-readable medium of claim 15 , further comprising program code that is executable by the processing device to cause the processing device to update the graphical user interface to include a message indicating the image has been rejected.

18. The non-transitory computer-readable medium of claim 15 , wherein the approval stage involves a manual inspection of the image by an agent, and further comprising program code that is executable by the processing device to cause the processing device to:

transmit a report to the agent to manually review the image;

receive an approval or a rejection of the image from the agent; and

update the status identifier based on the approval or the rejection.

19. The non-transitory computer-readable medium of claim 15 , wherein the approval stage involves analyzing the image for copyrighted material or subject matter that does not comply with one or more predefined lewdness standards.

20. The non-transitory computer-readable medium of claim 15 , further comprising program code that is executable by the processing device to cause the processing device to store relationships between a user identifier for the user, a user code, the status identifier, and the image in one or more databases.

Assignments (2)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded May 10, 2021
From: DOUGLAS-MIDDLETON, ELLIOTTE; MATHES, NICOLE RIGGS; PANDA, MADHUSADAN; HERRING, JENNIFER KAY; LYTTLE, CHARLES C.; KUMAR, ALOK
To: BRANCH BANKING AND TRUST COMPANY
Reel/Frame 056185/0065 →
CHANGE OF NAME Recorded May 10, 2021
From: BRANCH BANKING AND TRUST COMPANY
To: TRUIST BANK
Reel/Frame 056185/0209 →
Continuity (4)
Continuation 16538276 · Aug 12, 2019
Continuation 15088483 · Apr 1, 2016
Provisional Application 62141559 · Apr 1, 2015
Related Publication 20210266313A1 · Aug 26, 2021