Embedded payment tokens in digital media objects
AssigneeVisa International Service Association
InventorAnimikh Sen
Life of this patent
Estimating the term…
Abstract
A token specifying a payment account is issued to a party to which payments are to be made and the token is installed in a specially configured camera. Whenever a photograph is captured by the camera, a copy of the token, among other things, is embedded in the photograph's metadata. The metadata may also include photo-specific information and a selling price. When a buyer selects the photo for purchase, the token may be used to facilitate a payment to the party, such as the photographer. The buyer may initiate the transaction by simply dragging the selected photograph or photographs onto a purchase application which automatically extracts price and the token for initiating the purchase transaction. The seller can view the purchase details in the payment account.
Claims19
A method of capturing and distributing a media object, the method comprising:
- receiving, via a user interface of a device, a payment token associated with a payee;
- requesting, via the user interface of the device, the token via a communication with a token service;
- storing the payment token in a secure memory of the device;
- storing a media object in a memory of the device separate from the secure memory, the media object including a media item and metadata;
- adding the payment token and a price to the metadata;
- and
- exporting the media object to a site accessible to third parties.
A method of distributing a media object, the method comprising:
- retrieving, at a computer, a media object from a site, the media object including:
- a media item,
- a payment token, wherein the payment token conceals a personal account number of a copyright owner of the media item, and
- a price associated with the media item;
- presenting, by the computer, the media object on a user interface;
- detecting, by the computer, movement of the media object onto an icon of a payment application;
- extracting, via the computer, the payment token from the media object;
- generating a payment object using data from the payment token;
- and
- sending the payment object to a payment processor via the payment application.
A method of providing a payment token, the method comprising:
- receiving, at a token server, a token request from a device associated with a user, the request including a personal account number (PAN) of the user;
- in response to the token request, generating, by the token server, a new payment token;
- transmitting the new payment token to the device for installation into a secure memory of the device and for adding to metadata of a media item;
- receiving, from a payment processor, the media item from a media database uploaded by the device associated with the user, wherein the media item comprises the metadata and the new payment token;
- and
- in response to receiving the new payment token from the payment processor:
- identifying the PAN of the user based on the new payment token, and
- transmitting the PAN to the payment processor for completing a transaction associated with the media item.
Dependencies are inferred from the claim text.