IP Library › Granted Patent US 12,591,878
Granted Patent B2
US 12,591,878 · App. 18/908,369 · Granted Mar 31, 2026

Systems and methods for enabling customized digital objects in multiple environments

Inventors: Young M. Yang (San Francisco, CA); Eric J. Miller (Burlingame, CA); Jenny Y. Tao (Belmont, CA)
Assignee: Wells Fargo Bank, N.A.
G06Q20/355G06Q20/123G06Q20/3821
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Quick Facts
Patent No.
US 12,591,878
App. No.
18/908,369
Granted
Mar 31, 2026
Kind
B2
Abstract

Systems and methods of enabling and providing digital objects across multiple environments are provided. A computer-implemented method includes: extracting image content from digital object; determining that the image content satisfies a filter, wherein the filter defines prohibited content for card images; in response to the determination that the image content satisfies the filter, causing, a provisioning of the digital object to an application to display the digital object as being associated with a card; receiving a credential associated with a third-party system depicting a digital representation of the card; providing the received credential to the third-party system depicting the digital representation of the card; and receiving an indication of a verification of the received credential and linking a provider institution computing system with the third-party system.

Claims (67)

1 . A computer-implemented method, comprising:

extracting, by a provider institution computing system, image content from a digital object;

determining, by the provider institution computing system, that the image content satisfies a filter, wherein the filter defines prohibited content for card images;

in response to the determination that the image content satisfies the filter, causing, by the provider institution computing system, a provisioning of the digital object to an application to display the digital object as being associated with a card;

receiving, by the provider institution computing system, a credential associated with a third-party system depicting a digital representation of the card;

providing, by the provider institution computing system, the received credential to the third-party system depicting the digital representation of the card; and

receiving, by the provider institution computing system, an indication of a verification of the received credential and linking the provider institution computing system with the third-party system.

2 . The computer-implemented method of claim 1 , further comprising:

receiving, by the provider institution computing system, a request to associate the card with the digital object; and

in response to the determination that the image content satisfies the filter, associating, by the provider institution computing system, the digital object with the card in a database of the provider institution computing system.

3 . The computer-implemented method of claim 1 , wherein the prohibited content comprises at least one of explicit content or copyrighted content.

4 . The computer-implemented method of claim 1 , further comprising:

based on the linking, receiving, by the provider institution computing system, third-party image content associated with the card from the third-party system;

comparing, by the provider institution computing system, the third-party image content to the digital object;

determining, by the provider institution computing system, that the third-party image content differs from the digital object; and

providing, by the provider institution computing system, the digital object to replace the third-party image content such that the digital object is depicted in the third-party system in place of the third-party image content.

5 . The computer-implemented method of claim 4 , wherein the filter is a first filter of a plurality of filters and the plurality of filters includes a second filter; wherein the second filter is associated with the third-party system, the first filter is associated with the provider institution computing system and the second filter is different from the first filter; and wherein the computer-implemented method further comprises determining, by the provider institution computing system, that the image content satisfies the second filter.

6 . The computer-implemented method of claim 1 , further comprising:

determining, by the provider institution computing system, that the card is associated with a physical card provided by a provider institution associated with the provider institution computing system; and

in response to the determination that the card is associated with the physical card, associating, by the provider institution computing system, the digital object with the physical card in a database of the provider institution computing system.

7 . The computer-implemented method of claim 6 , wherein the filter is a first filter of a plurality of filters and the plurality of filters includes a second filter; wherein the second filter is associated with physical cards provided by the provider institution computing system, the first filter is associated with digital cards; and, wherein the computer-implemented method further comprises determining, by the provider institution, that the image content passes the second filter.

8 . The computer-implemented method of claim 6 , further comprising:

receiving, by the provider institution computing system, a request to replace the physical card with a replacement physical card;

in response to receiving the request to replace the physical card with the replacement physical card, causing, by the provider institution computing system, a creation of the replacement physical card, wherein the replacement physical card displays a representation regarding the digital object; and

initiating, by the provider institution computing system, a process wherein the replacement physical card is provided to replace the physical card.

9 . The computer-implemented method of claim 1 , further comprising:

filtering, by the provider institution computing system, the image content by the filter; and

providing, by the provider institution computing system, a notification to a user device associated with a user indicating that the digital object is filtered out from being associated with the card.

10 . The computer-implemented method of claim 1 , further comprising:

in response to receiving a request to associate the card with the digital object, providing, by the provider institution computing system, a notification to a user device associated with a user indicating that the digital object is undergoing a filtration process; and

associating a temporary placeholder image with the card, wherein associating the temporary placeholder image with the card comprises configuring the application to display the temporary placeholder image to represent the card.

11 . A non-transitory computer-readable medium having instructions stored thereon that, when executed by a processor of a provider institution computing system, cause operations comprising:

extracting image content from a digital object;

determining that the image content satisfies a filter, wherein the filter defines prohibited content for card images;

in response to the determination that the image content satisfies the filter, causing a provisioning of the digital object to an application to display the digital object as being associated with a card;

receiving a credential associated with a third-party system depicting a digital representation of the card;

providing the received credential to the third-party system depicting the digital representation of the card; and

receiving an indication of a verification of the received credential and linking the provider institution computing system with the third-party system.

12 . The non-transitory computer-readable medium of claim 11 , wherein the instructions, when executed by the processor, cause further operations comprising:

based on the linking, receiving third-party image content associated with the card from the third-party system;

comparing the third-party image content to the digital object;

determining that the third-party image content differs from the digital object; and

providing the digital object that replaces the third-party image content such that the digital object is depicted in the third-party system in place of the third-party image content.

13 . The non-transitory computer-readable medium of claim 11 , wherein the filter is a first filter of a plurality of filters that also includes a second filter; wherein the second filter is associated with the third-party system, the first filter is associated with the provider institution computing system, and the second filter is different from the first filter; and, wherein the instructions, when executed by the processor, cause further operations comprising determining that the image content satisfies the second filter.

14 . The non-transitory computer-readable medium of claim 11 , wherein the instructions, when executed by the processor, cause further operations comprising:

determining that the card is associated with a physical card provided by a provider institution associated with the provider institution computing system; and

associating the digital object with the physical card, wherein associating the digital object with the physical card comprises storing the digital object in a database of the provider institution computing system.

15 . The non-transitory computer-readable medium of claim 14 , wherein the filter is a first filter of a plurality of filters that also includes a second filter; wherein the second filter is associated with physical cards, and the first filter is associated with digital cards; and, wherein the instructions, when executed by the processor, cause further operations comprising determining that the image content satisfies the second filter.

16 . The non-transitory computer-readable medium of claim 11 , wherein the prohibited content comprises at least one of explicit content or copyrighted content.

17 . A user device, comprising:

a processor; and

a memory coupled to the processor, the memory having an application stored thereon, the application including instructions executable by the processor to:

extract image content from a digital object;

determine that the image content satisfies a filter, wherein the filter defines prohibited content for card images;

in response to the determination that the image content satisfies the filter, cause a provisioning of the digital object to the application to display the digital object as being associated with a card;

receive a credential associated with a third-party system depicting a digital representation of the card;

provide the received credential to the third-party system depicting the digital representation of the card; and

receive an indication of a verification of the received credential and link the application with the third-party system.

18 . The user device of claim 17 , wherein the instructions further cause the processor to:

receive a request to associate the card with the digital object; and

in response to the determination that the image content satisfies the filter, associate the digital object with the card in a database.

19 . The user device of claim 17 , wherein the instructions further cause the processor to:

based on the linking, receive third-party image content associated with the card from the third-party system;

compare the third-party image content to the digital object;

determine that the third-party image content differs from the digital object; and

provide the digital object that replaces the third-party image content such that the digital object is depicted in the third-party system in place of the third-party image content.

20 . The user device of claim 17 , wherein the prohibited content comprises at least one of explicit content or copyrighted content.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Feb 24, 2026
From: YANG, YOUNG M.; MILLER, ERIC J.; TAO, JENNY Y.
To: WELLS FARGO BANK, N.A.
Reel/Frame 073882/0167 →
Continuity (2)
Continuation 17828537 · May 31, 2022
Related Publication 20250029092A1 · Jan 23, 2025
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