IP Library Granted Patent US 11,765,160
Granted Patent B2
US 11,765,160 · App. 18/074,106 · Granted Sep 19, 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 11,765,160
App. No.
18/074,106
Granted
Sep 19, 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 (64)

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 the selection of the image from the user via a user device;

subsequent to the user selecting the image and accessing an account:

authenticate the user to continue the process;

determine a current step of the user in the process based on 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, retrieve account information corresponding to the account of the user and electronically transmit the image and the account information to a printing subsystem for generating a personalized card with the image for the user, wherein the account information includes an account number and a name of 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, the 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, the selection of the image from the user via a user device;

subsequent to the user selecting the image and accessing an account:

authenticating, by the processing device, the user to continue the process;

determining, by the processing device, a current step of the user in the process based on 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, retrieving, by the processing device, account information corresponding to the account of the user and electronically transmitting the image and the account information to a printing subsystem for generating a personalized card with the image for the user, wherein the account information includes an account number and a name of 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, the 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 the selection of the image from the user via a user device;

subsequent to the user selecting the image and accessing an account:

authenticate the user to continue the process;

determine a current step of the user in the process based on 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, retrieve account information corresponding to the account of the user and electronically transmit the image and the account information to a printing subsystem for generating a personalized card with the image for the user, wherein the account information includes an account number and a name of 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 Jul 19, 2023
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 064307/0029 →
CHANGE OF NAME Recorded Jul 19, 2023
From: BRANCH BANKING AND TRUST COMPANY
To: TRUIST BANK
Reel/Frame 064336/0425 →
Continuity (5)
Continuation 17315564 · May 10, 2021
Continuation 16538276 · Aug 12, 2019
Continuation 15088483 · Apr 1, 2016
Provisional Application 62141559 · Apr 1, 2015
Related Publication 20230086551A1 · Mar 23, 2023