# US 12,014,526 B2 · System, method, and apparatus for generating tokenized images

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- Number: US 12,014,526 B2
- Document ID: US12014526B2
- Status: Granted
- Kind: B2
- Application number: 17/293,057
- Filed: 2018-11-16
- Published: 2021-12-30
- Granted: 2024-06-18
- Earliest claimed: 2018-11-16
- Assignees: Visa International Service Association
- Applicants: Visa International Service Association
- Inventors: Varun Sharma; Nicholas Cai; Walker Carlson; Ajit Vilasrao Patil
- Web page: https://patentgrep.com/patent/US12014526B2

## CPC

- G06T 9/00: Image coding (bandwidth or redundancy reduction for static pictures H04N1/41; coding or decoding of static colour picture signals H04N1/64; methods or arrangements for coding, decoding, compressing or decompressing digital video signals H04N19/00)
- G06F 21/16: Program or content traceability, e.g. by watermarking
- G06F 21/602: {Providing cryptographic facilities or services}
- G06Q 20/027: {involving a payment switch or gateway}
- G06Q 20/065: {using e-cash}
- G06Q 20/3274: {using a pictured code, e.g. barcode or QR-code, being displayed on the M-device}
- G06Q 20/382: {insuring higher security of transaction}
- G06Q 20/38215: {Use of certificates or encrypted proofs of transaction rights}
- G06Q 20/3829: {involving key management}
- G06Q 20/385: {using an alias or single-use codes}
- H04N 21/23473: {by pre-encrypting}
- H04N 21/2351: {involving encryption of additional data (arrangements using cryptography for the use of broadcast information or broadcast-related information H04H60/23)}
- H04N 21/8153: {comprising still images, e.g. texture, background image}
- H04N 19/467: characterised by the embedded information being invisible, e.g. watermarking
- G06T: IMAGE DATA PROCESSING OR GENERATION, IN GENERAL
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- H04N: PICTORIAL COMMUNICATION, e.g. TELEVISION

## Abstract

Provided is a system and computer-implemented method for encoding account tokens in image files. The method includes receiving, from a user associated with an account identifier, an identification of at least one image, generating at least one token based on the account identifier of the user, encoding the at least one token in the at least one image, resulting in at least one tokenized image, and communicating the at least one tokenized image to a transaction processing system, wherein the transaction processing system is configured to conduct a transaction based on the tokenized image.

## Claims

### Claim 1

A computer-implemented method for encoding account tokens in image files, comprising:
receiving, from a user associated with an account identifier, an identification of an image;
generating, with at least one processor, at least one token based on the account identifier of the user;
generating, with at least one processor, at least one false token;
encoding, with at least one processor, the at least one token and the at least one false token in the image, resulting in a tokenized image comprising the at least one token and the at least one false token; and
communicating, with at least one processor, the tokenized image to a transaction processing system, wherein the transaction processing system is configured to conduct a transaction based on the tokenized image using the at least one token.

### Claim 2 (depends on 1)

The computer-implemented method of claim 1, further comprising:
extracting, with at least one processor, the at least one token from the tokenized image; and
conducting, with at least one processor, a transaction based on the at least one token.

### Claim 3 (depends on 1)

The computer-implemented method of claim 1, wherein encoding the at least one token comprises encoding the at least one token into RGB values of the image.

### Claim 4 (depends on 1)

The computer-implemented method of claim 1, wherein encoding the at least one token comprises:
encrypting the at least one token to produce encrypted data; and
encoding the encrypted data into the image.

### Claim 5 (depends on 1)

The computer-implemented method of claim 1, further comprising:
detecting a transaction request using the at least one false token; and
automatically deactivating the at least one token in response to detecting the transaction request using the at least one false token.

### Claim 6 (depends on 1)

The computer-implemented method of claim 1, further comprising:
capturing at least one image with a camera of a client device; and
generating the image based on the at least one image.

### Claim 7 (depends on 1)

The computer-implemented method of claim 1, wherein the image is a screenshot or an image downloaded from a webpage.

### Claim 8 (depends on 1)

The computer-implemented method of claim 1, wherein the image comprises embedded merchant data or product data.

### Claim 9 (depends on 1)

The computer-implemented method of claim 1, further comprising communicating, with at least one processor of a first client device, the tokenized image to a second client device including at least one processor, wherein the at least one processor of the second client device communicates the tokenized image to the transaction processing system.

### Claim 10

A system for encoding account tokens in image files, comprising at least one processor programmed or configured to:
receive, from a user associated with an account identifier, an identification of an image;
generate at least one token based on the account identifier of the user;
generate at least one false token;
embed the at least one token and the at least one false token in the image, resulting in a tokenized image comprising the at least one token and the at least one false token; and
communicate the tokenized image to a transaction processing system, wherein the transaction processing system is configured to conduct a transaction based on the tokenized image using the at least one token.

### Claim 11 (depends on 10)

The system of claim 10, further comprising the transaction processing system, wherein the transaction processing system is programmed or configured to:
extract the at least one token from the tokenized image; and
conduct a transaction based on the at least one token.

### Claim 12 (depends on 10)

The system of claim 10, wherein embedding the at least one token comprises encoding the at least one token into RGB values of the image.

### Claim 13 (depends on 10)

The system of claim 10, wherein the at least one processor embeds the at least one token by:
encrypting the at least one token to produce encrypted data; and
encoding the encrypted data into the image.

### Claim 14 (depends on 10)

The system of claim 10, wherein the at least one processor is further programmed or configured to:
detect a transaction request using the at least one false token; and
automatically deactivate the at least one token in response to detecting the transaction request using the at least one false token.

### Claim 15 (depends on 10)

The system of claim 10, further comprising a client device including the at least one processor, wherein the at least one processor is further programmed or configured to:
capture a photograph with a camera of the client device; and
generate the image based on the photograph.

### Claim 16 (depends on 10)

The system of claim 10, wherein the image is a screenshot or an image downloaded from a webpage.

### Claim 17 (depends on 10)

The system of claim 10, wherein the at least one processor is further programmed or configured to communicate the tokenized image to a second client device including at least one processor, wherein the at least one processor of the second client device communicates the tokenized image to the transaction processing system.

### Claim 18

A computer program product for encoding account tokens in image files, comprising at least one non-transitory computer-readable medium including program instructions that, when executed by at least one processor, cause the at least one processor to:
receive, from a user associated with an account identifier, an identification of at least one image;
generate at least one token based on the account identifier of the user;
generate at least one false token;
embed the at least one token and the at least one false token in the image, resulting in a tokenized image comprising the at least one token and the at least one false token; and
communicate the tokenized image to a transaction processing system, wherein the transaction processing system is configured to conduct a transaction based on the tokenized image and the at least one token.