# US 2021/0279993 A1 · Payment application initiated generation of payment instruments

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- Number: US 2021/0279993 A1
- Document ID: US20210279993A1
- Status: Published application
- Kind: A1
- Application number: 17/191,646
- Filed: 2021-03-03
- Published: 2021-09-09
- Earliest claimed: 2016-09-30
- Assignees: Square, Inc.
- Applicants: Square, Inc.
- Inventors: Ayokunle Omojola; Robert Andersen; Daniele Perito; Joachim Bekmann
- Web page: https://patentgrep.com/patent/US20210279993A1

## CPC

- G07F 7/082: {Features insuring the integrity of the data on or in the card}
- B41J 2/00: Typewriters or selective printing mechanisms characterised by the printing or marking process for which they are designed (mounting, arrangement or disposition of types or dies B41J1/00)
- B41J 3/00: Typewriters or selective printing or marking mechanisms characterised by the purpose for which they are constructed
- G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q 20/3221: {Access to banking information through M-devices}
- G06Q 20/3276: {using a pictured code, e.g. barcode or QR-code, being read by the M-device}
- G06Q 20/353: {Payments by cards read by M-devices}
- G06Q 20/354: {Card activation or deactivation}
- G06Q 20/3558: {Preliminary personalisation for transfer to user}
- G07F 7/086: {by passive credit-cards adapted therefor, e.g. constructive particularities to avoid counterfeiting, e.g. by inclusion of a physical or chemical security-layer (for security documents G07D7/00; for the reading of record-carriers in general G06K7/00; for the design of coded credit-cards G06K19/10)}
- H04L 9/50: {using hash chains, e.g. blockchains or hash trees}
- G06F 16/2255: {Hash tables}
- G06Q 20/3223: {Realising banking transactions through M-devices}
- G06Q 2220/00: Business processing using cryptography
- G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00})
- B41J: TYPEWRITERS; SELECTIVE PRINTING MECHANISMS, i.e. MECHANISMS PRINTING OTHERWISE THAN FROM A FORME; CORRECTION OF TYPOGRAPHICAL ERRORS
- 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
- H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M)
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)

## Abstract

In some examples, a system and method for generating a payment instrument are described. The method includes receiving a unique signature that a recipient intends to associate with the payment instrument; verifying that the received feature meets an acceptability criterion; generating a representation of the received signature, wherein the representation is in a form capable of being physically associated with the payment instrument, and wherein association is established by embedding or exposing the representation on the payment instrument; and causing physical generation of the payment instrument having associated therewith the representation of the signature.

## Claims

### Claim 1

A method comprising:
generating, by a payment service system (PSS) and in a data store maintained by the PSS, an account for a user, wherein the account is generated based on an account request received from the user via a payment application associated with the PSS and executing on a device associated with the user, and wherein the PSS is configured to process payment transactions for the user using the account based on interactions by the user with the payment application;
receiving, by the PSS and from the payment application, a payment card request from the user to associate a payment card with the account, wherein the payment card request is made via an interaction by the user with the payment application;
based on the payment card request, facilitating, by the PSS:
transmission of instructions to cause the payment card to be printed for physical delivery to the user; and
generation of a virtual card account associated with the payment card and the account, wherein the virtual card account is usable for payment transactions by the user prior to delivery of the payment card; and
upon receiving an indication of physical receipt of the payment card via the payment application, activating, by the PSS, the payment card for use in payment transactions.

### Claim 2 (depends on 1)

The method as claim 1 recites, further comprising:
presenting, by the payment application interfacing with the PSS, a handwriting interface for capturing handwritten input from the user, wherein the handwritten input is associated with a card customization feature for printing on the physical payment card.

### Claim 3 (depends on 2)

The method as claim 2 recites, further comprising, upon receiving a confirmation of the card customization feature:
mapping, by the PSS and in the data store, card information associated with the payment card to the account of the user.

### Claim 4 (depends on 2)

The method as claim 2 recites, wherein instructions to cause the payment card to be printed for physical delivery include instructions to print the card customization feature on the payment card.

### Claim 5 (depends on 4)

The method as claim 4 recites, wherein the instructions to print the card customization feature on the payment card comprise instructions to print the card customization feature at a predetermined location on the payment card.

### Claim 6 (depends on 1)

The method as claim 1 recites, wherein, based on receiving the payment card request, presenting, by the PPS, a representation of a virtual payment object associated with the virtual card account.

### Claim 7 (depends on 6)

The method as claim 6 recites, wherein the virtual payment object includes content printed on the payment card, including one or more of an account identifier, a name, an expiration date, a financial entity associated with the account, or a card customization feature.

### Claim 8 (depends on 6)

The method as claim 6 recites, further comprising:
causing presentation of, by the PSS and on an interface of the device associated with the user, the virtual payment object.

### Claim 9 (depends on 1)

The method as claim 1 recites, further comprising:
configuring the virtual card account for inclusion in a virtual wallet associated with the user and the mobile device.

### Claim 10 (depends on 1)

The method as claim 1 recites, wherein the virtual card account remains usable after activation of the payment card.

### Claim 11

A system comprising:
one or more processors;
one or more non-transitory computer-readable media storing instructions executable by the one or more processors, wherein the instructions program the one or more processors to perform actions comprising:
generating, by a payment service system (PSS) and in a data store maintained by the PSS, an account for a user, wherein the account is generated based on an account request received from the user via a payment application associated with the PSS and executing on a device associated with the user, and wherein the PSS is configured to process financial transactions for the user using the account based on interactions by the user with the payment application;
receiving, by the PSS and from the payment application, a payment card request from the user to associate a payment card with the account, wherein the payment card request is made via an interaction by the user with the payment application;
based on the payment card request, facilitating, by the PSS:
transmission of instructions to cause the payment card to be printed for physical delivery to the user; and
generation of a virtual card account associated with the payment card and the account, wherein the virtual card account is usable for payment transactions by the user prior to delivery of the payment card; and
upon receiving an indication of physical receipt of the payment card via the payment application, activating, by the PSS, the payment card for use in payment transactions.

### Claim 12 (depends on 11)

The system as claim 11 recites, the actions further comprising:
presenting, by the payment application interfacing with the PSS, a handwriting interface for capturing handwritten input from the user, wherein the handwritten input is associated with a card customization feature for printing on the physical payment card.

### Claim 13 (depends on 12)

The system as claim 12 recites, wherein instructions to cause the payment card to be printed for physical delivery include instructions to print the card customization feature on the payment card.

### Claim 14 (depends on 11)

The system as claim 11 recites, wherein, based on receiving the payment card request, presenting, by the PPS, a representation of a virtual payment object associated with the virtual card account.

### Claim 15 (depends on 14)

The system as claim 14 recites, wherein the virtual payment object includes content printed on the payment card, including one or more of an account identifier, a name, an expiration date, a financial entity associated with the account, or a card customization feature.

### Claim 16 (depends on 14)

The system as claim 14 recites, the actions further comprising:
causing presentation of, by the PSS and on an interface of the device associated with the user, the virtual payment object.

### Claim 17 (depends on 11)

The system as claim 11 recites, the actions further comprising:
configuring the virtual card account for inclusion in a virtual wallet associated with the user and the mobile device.

### Claim 18 (depends on 11)

The system as claim 11 recites, wherein the virtual card account remains usable after activation of the payment card.

### Claim 19

A method comprising:
generating, by a payment service system (PSS) and in a data store maintained by the PSS, an account for a user, wherein the account is generated based on an account request received from the user via a payment application associated with the PSS and executing on a mobile device associated with the user, and wherein the PSS is configured to process financial transactions for the user using the account based on interactions by the user with the payment application;
receiving, by the PSS and from the payment application, a payment card request from the user to associate a payment card with the account, wherein the payment card request is made via an interaction by the user with the payment application;
based on the payment card request, facilitating, by the PSS:
transmission of instructions to cause the payment card to be printed for physical delivery to the user; and
generation of a virtual card account associated with the payment card and the account, wherein the virtual card account is usable for payment transactions by the user prior to delivery of the payment card;
configuring the virtual card account for inclusion in a virtual wallet associated with the user and the mobile device; and
upon receiving an indication of physical receipt of the payment card via the payment application, activating, by the PSS, the payment card for use in payment transactions.

### Claim 20 (depends on 19)

The method as claim 19 recites, further comprising:
causing presentation of, by the PSS and on an interface of the device associated with the user, a representation of a virtual payment object associated with the virtual card account.