# US 2014/0156510 A1 · Method and system of providing financial transactions for the visually impaired > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2014/0156510 A1 - Document ID: US20140156510A1 - Status: Published application - Kind: A1 - Application number: 13/693,333 - Filed: 2012-12-04 - Published: 2014-06-05 - Earliest claimed: 2012-12-04 - Assignees: Mastercard International Incorporated - Applicants: Mastercard International Incorporated - Inventors: Justin HOWE - Web page: https://patentgrep.com/patent/US20140156510A1 ## CPC - G06Q 20/34: using cards, e.g. integrated circuit [IC] cards or magnetic cards - G06Q 20/20: Point-of-sale [POS] network systems - G06Q 20/3272: {using an audio code} - 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 ## Abstract A method for audibly communicating transaction details includes: storing payment card details for a payment card, the card details including a payment card number; receiving transaction details for a financial transaction involving the payment card, the transaction details including a transaction amount; and audibly emitting the transaction amount for the financial transaction. A method for audibly communicating account information which includes: capturing an image of a payment card; processing the captured image of the payment card to identify payment card details, the card details including a payment card number; transmitting the identified card details; receiving account details for a financial account associated with the payment card, the account details including at least an account balance; and audibly emitting the account balance for the financial account. ## Claims ### Claim 1 A method for audibly communicating transaction details, comprising: storing, in a database of a mobile communication device, payment card details for a payment card account, wherein the payment card details include at least a payment card number; receiving, by a receiving device of the mobile communication device, transaction details included in an authorization request for a processed financial transaction involving the payment card, wherein the transaction details include at least a transaction amount; and audibly emitting, by an audio transmitter of the mobile communication device, at least the transaction amount for the processed financial transaction. ### Claim 2 (depends on 1) The method of claim 1, further comprising: receiving, by the receiving device of the mobile communication device, the payment card details for the payment card for storage in the database. ### Claim 3 (depends on 2) The method of claim 2, further comprising: capturing, by an imaging device of the mobile communication device, an image of the payment card; and transmitting, by a transmitting device of the mobile communication device, the captured image of the payment card prior to receiving the payment card details. ### Claim 4 (depends on 1) The method of claim 1, further comprising: capturing, by an imaging device of the mobile communication device, an image of the payment card; and processing, by a processing device of the mobile communication device, the captured image of the payment card to identify the payment card details for storage in the database. ### Claim 5 (depends on 4) The method of claim 4, wherein the payment card details are identified using optical character recognition. ### Claim 6 (depends on 1) The method of claim 1, further comprising: receiving from the payment card, using near field communication, the payment card details from the payment card for storage in the database. ### Claim 7 (depends on 1) The method of claim 1, further comprising: reading, by a reading device of the mobile communication device, the payment card details from a magnetic strip included on the payment card for storage in the database. ### Claim 8 (depends on 1) The method of claim 1, further comprising: receiving, by an input device, an indication of disapproval of the financial transaction; and transmitting, by a transmitting device, the indication of disapproval. ### Claim 9 (depends on 1) The method of claim 1, wherein receiving the transaction details include receiving a short message service (SMS) message including an audio file, and audibly emitting at least the transaction amount includes playing the included audio file. ### Claim 10 (depends on 9) The method of claim 9, wherein playing the included audio file is initiated automatically upon receipt of the SMS message. ### Claim 11 (depends on 9) The method of claim 9, wherein playing the included audio file is initiated in response to receiving, by an input device of the mobile communication device, an audible instruction to play the included audio file. ### Claim 12 (depends on 1) The method of claim 1, wherein the payment card details further includes at least one of: cardholder name, expiration date, and security features. ### Claim 13 (depends on 1) The method of claim 1, wherein the transaction details further includes at least one of: merchant name, time and/or date, product details, and gratuity. ### Claim 14 (depends on 1) The method of claim 1, further comprising: audibly emitting, by the audio transmitter of the mobile communication device, a prompt for feedback; and receiving, by an input device of the mobile communication device, a user response to the prompt for feedback. ### Claim 15 (depends on 14) The method of claim 14, wherein the input device is a microphone. ### Claim 16 (depends on 14) The method of claim 14, wherein the user response is at least one of: a transaction rating, a transaction review, an experience review, and an analysis of accommodations for the visually impaired. ### Claim 17 (depends on 14) The method of claim 14, further comprising: sharing the received user response with at least one social network. ### Claim 18 A method for audibly communicating account information, comprising: capturing, by an imaging device, an image of a payment card; processing, by a processing device, the captured image of the payment card to identify payment card details, wherein the payment card details include at least a payment card number; transmitting, by a transmitting device, the identified payment card details; receiving, by a receiving device, account details for a financial account associated with the payment card, wherein the account details include at least an account balance; and audibly emitting, by an audio transmitter, at least the account balance for the financial account. ### Claim 19 (depends on 18) The method of claim 18, wherein the payment card details further includes at least one of: cardholder name, expiration date, and security features. ### Claim 20 (depends on 18) The method of claim 18, wherein the account details further includes at least one of: a minimum payment amount, a payment due date, a credit limit, a remaining credit amount, a prepaid spending limit, and an interest rate. ### Claim 21 (depends on 18) The method of claim 18, wherein the payment card details are identified using optical character recognition. ### Claim 22 A mobile communication device for audibly communicating transaction details, comprising: a database configured to store payment card details for a payment card account, wherein the payment card details include at least a payment card number; a receiving device configured to receive transaction details included in an authorization request for a processed financial transaction involving the payment card, wherein the transaction details include at least a transaction amount; and an audio transmitter configured to audibly emit at least the transaction amount for the processed financial transaction. ### Claim 23 (depends on 22) The system of claim 22, wherein the receiving device is further configured to receive the payment card details for the payment card for storage in the database. ### Claim 24 (depends on 23) The system of claim 23, further comprising: an imaging device configured to capture an image of the payment card; and a transmitting device configured to transmit the captured image of the payment card prior to receiving the payment card details. ### Claim 25 (depends on 22) The system of claim 22, further comprising: an imaging device configured to capture an image of the payment card; and a processing device configured to process the captured image of the payment card to identify the payment card details for storage in the database. ### Claim 26 (depends on 25) The system of claim 25, wherein the processing device is configured to identify the payment card details using optical character recognition. ### Claim 27 (depends on 22) The system of claim 22, wherein the receiving device is further configured to receive from the payment card, using near field communication, the payment card details for storage in the database. ### Claim 28 (depends on 22) The system of claim 22, further comprising: a reading device configured to read the payment card details for the payment card from a magnetic strip included on the payment card for storage in the database. ### Claim 29 (depends on 22) The system of claim 22, further comprising: an input device configured to receive an indication of disapproval of the financial transaction; and a transmitting device configured to transmit the indication of disapproval. ### Claim 30 (depends on 22) The system of claim 22, wherein the receiving device is further configured to receive the transaction details in a short message service (SMS) message including an audio file, and audibly emitting at least the transaction amount includes playing the included audio file. ### Claim 31 (depends on 30) The system of claim 30, wherein the audio transmitter is further configured to play the included audio file automatically upon receipt of the SMS message. ### Claim 32 (depends on 30) The system of claim 30, further comprising: an input device configured to receive an audible instruction to play the included audio file. ### Claim 33 (depends on 22) The system of claim 22, wherein the payment card details further includes at least one of: cardholder name, expiration date, and security features. ### Claim 34 (depends on 22) The system of claim 22, wherein the transaction details further includes at least one of: merchant name, time and/or date, product details, and gratuity. ### Claim 35 (depends on 22) The system of claim 22, wherein the audio transmitter is further configured to audibly emit a prompt for feedback, and wherein the system further comprises: an input device configured to receive a user response to the prompt for feedback. ### Claim 36 (depends on 35) The system of claim 35, wherein the input device is a microphone. ### Claim 37 (depends on 35) The system of claim 35, wherein the user response is at least one of: a transaction rating, a transaction review, an experience review, and an analysis of accommodations for the visually impaired. ### Claim 38 (depends on 35) The system of claim 35, further comprising: a transmitting device configured to transmit the received user response to at least one social network. ### Claim 39 A system for audibly communicating account information, comprising: an imaging device configured to capture an image of a payment card; a processing device configured to process the captured image of the payment card to identify payment card details, wherein the payment card details include at least a payment card number; a transmitting device configured to transmit the identified payment card details; a receiving device configured to receive account details for a financial account associated with the payment card, wherein the account details include at least an account balance; and an audio transmitter configured to audibly emit at least the account balance for the financial account. ### Claim 40 (depends on 39) The system of claim 39, wherein the payment card details further includes at least one of: cardholder name, expiration date, and security features. ### Claim 41 (depends on 39) The system of claim 39, wherein the transaction details further includes at least one of: merchant name, time and/or date, product details, and gratuity. ### Claim 42 (depends on 39) The system of claim 39, wherein the processing device is configured to identify the payment card details using optical character recognition.