US 12,243,398 B2
Payment application initiated generation of payment instruments
Ayokunle Omojola, San Francisco, CA (US); Robert Andersen, New York, NY (US); Daniele Perito, San Francisco, CA (US); and Joachim Bekmann, San Francisco, CA (US)
Assigned to Block, Inc., San Francisco, CA (US)
Filed by Block, Inc., San Francisco, CA (US)
Filed on Aug. 7, 2023, as Appl. No. 18/231,007.
Application 18/231,007 is a continuation of application No. 17/191,646, filed on Mar. 3, 2021, abandoned.
Application 17/191,646 is a continuation of application No. 17/065,240, filed on Oct. 7, 2020, granted, now 10,991,191, issued on Apr. 7, 2021.
Application 17/065,240 is a continuation of application No. 16/925,209, filed on Jul. 9, 2020, granted, now 11,455,858, issued on Sep. 7, 2022.
Application 16/925,209 is a continuation of application No. 15/721,212, filed on Sep. 29, 2017, abandoned.
Application 15/721,212 is a continuation of application No. 15/282,759, filed on Sep. 30, 2016, granted, now 10,748,130, issued on Jul. 29, 2020.
Prior Publication US 2023/0377405 A1, Nov. 23, 2023
Int. Cl. G07F 7/08 (2006.01); B41J 2/00 (2006.01); B41J 3/00 (2006.01); G06Q 20/10 (2012.01); G06Q 20/32 (2012.01); G06Q 20/34 (2012.01); G06F 16/22 (2019.01)
CPC G07F 7/082 (2013.01) [B41J 2/00 (2013.01); B41J 3/00 (2013.01); G06Q 20/10 (2013.01); G06Q 20/3221 (2013.01); G06Q 20/3276 (2013.01); G06Q 20/353 (2013.01); G06Q 20/354 (2013.01); G06Q 20/3558 (2013.01); G07F 7/086 (2013.01); G06F 16/2255 (2019.01); G06Q 20/3223 (2013.01); G06Q 2220/00 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
generating, by a payment processing system (PPS), an account for a user that enables the PPS to process payment transactions for the user using the account, the account being generated based on an account request received from a payment application associated with the PPS and executing on a device associated with the user;
receiving, by the PPS in response to a user interaction with the payment application, a payment card request to associate a physical payment card with the account;
presenting, via the payment application, a drawing interface for capturing drawing input from the user that defines a user-provided signature for payment cards;
responsive to receiving the payment card request, causing, by the PPS:
transmission of instructions that initiate:
printing of the physical payment card including a first card identifier and the user-provided signature; and
physical delivery of the physical payment card to the user; and
presentation, via the payment application and on a user interface of the device, of a virtual payment card including a second card identifier and the user-provided signature, the virtual payment card being:
associated with the account and the physical payment card; and
active and useable in a first payment transaction of the payment transactions, the first payment transaction occurring prior to delivery and activation of the physical payment card;
receiving, by the PPS, image data that depicts the physical payment card and is obtained via an image capturing device associated with the user;
verifying, using the user-provided signature depicted on the physical payment card in the image data, an identity of the user and receipt of the physical payment card by the user based on comparing the user-provided signature depicted on the physical payment card in the image data to the user-provided signature stored by the PPS and displayed on the virtual payment card useable in the first payment transaction; and
in response to verifying the identity of the user and the receipt of the physical payment card by the user:
activating, by the PPS, the physical payment card; and
maintaining an activation of the virtual payment card, such that the physical payment card and the virtual payment card are useable for additional ones of the payment transactions.