Device with built-in bill capture, analysis, and execution

A method for secure and efficient bill capture, analysis, and execution, said method comprising:

• capturing, via a camera embedded in a smart card, an image of a bill, said bill comprising a plurality of text fields;
• processing, via a microprocessor embedded in the smart card and using a text processing module, the text fields of the image;
• determining, based at least in part on the processing of the text fields, a balance amount and a payment recipient associated with the bill;
• and
• executing a payment for the balance amount from an account associated with a user of the smart card to an account associated with the payment recipient, said executing performed via a wireless communication element embedded in the smart card which is configured to provide wireless communication between the smart card and a payment gateway.

A smart card with secure and efficient bill capture, analysis, and execution, said smart card comprising:

• a housing made from metal and/or plastic, and the housing has dimensions that conform to the ISO/IEC 7810 ID-1 standard, said dimensions being no greater than 86 millimeters×54 millimeters×0.8 millimeters;
• a microprocessor embedded in the housing;
• a camera embedded in the housing;
• a display screen embedded in the housing;
• a tactile sensor embedded in the housing;
• a power source embedded in the housing for the microprocessor, the camera, the display screen, and the tactile sensor, and the power source is rechargeable via solar energy, inductive charging, and/or a charging port;
• a wireless communication element embedded in the housing configured to provide wireless communication between the smart card and a payment gateway, and said wireless communication element is a nano wireless network interface card (“NIC”);
• and
• a non-transitory memory embedded in the housing storing computer-executable instructions, that, when run on the microprocessor, are configured to:
• capture, via the camera, an image of a bill, said bill comprising a plurality of text fields;
• process the text fields of the image via a text processing module;
• determine, based at least in part on the processing of the text fields, a balance amount and a payment recipient associated with the bill, wherein, when the payment recipient is not internally detectable from the text fields, said determining the payment recipient comprises leveraging information derived from the processing of the text fields, and said leveraging comprises searching the internet, via an artificial intelligence (AI) component of the smart card, for a payment recipient associated with the information;
• display payment information on the display screen, said payment information comprising the balance amount and/or the payment recipient;
• and
• when authorization is received via the tactile sensor, execute a payment, over the payment gateway and for the balance amount, from an account associated with a user of the platform to an account associated with the payment recipient.