Methods and arrangements for smartphone payments and transactions

A method employing a smartphone, the smartphone including a touch screen display, and one or more processors, the method including acts of:

• obtaining a payload;
• using the one or more processors, processing the payload with an erasure code generator, in which the erasure code generator produces a plurality of components corresponding to the payload;
• obtaining versions of a digital image, the digital image depicting a virtual card;
• using the one or more processors, embedding one of the plurality of components in a version of the digital image and proceeding with embedding until each of the plurality of components is embedded in a version of the digital image, in which the embedding utilizes digital watermarking;
• causing the touch screen display to sequentially display embedded digital image versions so as to cause a static image display effect, the displayed embedded digital image versions being displayed by the smartphone.

A method employing a smartphone, the smartphone including a touch screen display, and one or more processors, the method including acts of:

• obtaining a payload;
• processing the payload with an erasure code generator, in which the erasure code generator produces a plurality of outputs corresponding to the payload;
• obtaining a digital image, the digital image depicting a virtual card;
• utilizing the one or more processors, embedding one of the plurality of outputs in a version of the digital image and proceeding with embedding until each of the plurality of outputs is embedded in a version of the digital image, in which the embedding utilizes digital watermarking;
• causing the touch screen display to display a plurality of embedded versions of the digital image so that a digital watermark reader analyzing captured image data representing the touch screen display can recover the payload.

A smartphone comprising:

• a touch screen display;
• memory for storing a payload, and for storing a digital image depicting a virtual card;
• means for processing the payload with an erasure code generator, in which the erasure code generator produces a plurality of outputs corresponding to the payload;
• means for embedding a first of the plurality of outputs in a first version of the digital image and proceeding with embedding until each of the plurality of outputs are respectively is embedded in one of a plurality of versions of the digital image;
• means for displaying embedded versions of the digital image so that a receiver analyzing captured image data representing the touch screen display can recover the payload.