US 12,475,467 B1
Character recognition systems and methods
Tanuj Parikh, Santa Monica, CA (US); Christopher Handel, Mill Valley, CA (US); and Robert Seward, Brooklyn, NY (US)
Assigned to Block, Inc., Oakland, CA (US)
Filed by Block, Inc., Oakland, CA (US)
Filed on Nov. 16, 2022, as Appl. No. 17/988,422.
Claims priority of provisional application 63/290,229, filed on Dec. 16, 2021.
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/32 (2012.01); G06V 30/14 (2022.01); G06V 30/19 (2022.01)
CPC G06Q 20/4016 (2013.01) [G06Q 20/3278 (2013.01); G06V 30/14 (2022.01); G06V 30/19013 (2022.01)] 19 Claims
OG exemplary drawing
 
1. A computer-implemented method comprising:
receiving, by one or more computing devices, first data representing an instruction to obtain images of a payment instrument in two or more perspectives, wherein the two or more perspectives are determined based at least in part on at least one of a type of the payment instrument or a risk metric associated with a user account and wherein the first data is configured to cause a template to be displayed on a screen of an individual computing device of the one or more computing devices, the template indicating how the payment instrument is to be moved to obtain the images of the payment instrument in the two or more perspectives;
generating, by the one or more computing devices and based at least in part on the instruction, second data representing images of the payment instrument taken by a camera in the two or more perspectives, wherein the first data is configured to cause an application associated with the camera to be displayed on a foreground of the screen;
generating, by the one or more computing devices and utilizing the second data, a three-dimensional model of the payment instrument, the three-dimensional model indicating information present on the payment instrument and physical attributes of the payment instrument,
wherein the information present on the payment instrument includes one or more selected from a Quick Response (QR) code, a barcode, a photograph of a cardholder, a symbol associated with tap-to-pay functionality, a signature of a cardholder, design or artwork, and combinations thereof, and
wherein the physical attributes include at least physical dimensions of the payment instrument selected from a group of a thickness of the payment instrument, a degree of embossing, a degree of concavity of text on the payment instrument, and combinations thereof;
determining, by the one or more computing devices, that the information and the physical attributes differ from third data associated with the payment instrument as stored by a payment server; and
generating fourth data indicating a likelihood of a fraudulent event based at least in part on the information and the physical attributes differing from the third data.