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Title:
COMPUTER IMPLEMENTED METHOD AND SYSTEM OF CUSTOMIZING A CARD
Document Type and Number:
WIPO Patent Application WO/2018/127856
Kind Code:
A1
Abstract:
Disclosed is a computer implemented method of customizing cards. The computer implemented method may include receiving, using a communication device, a customization request for generating a customized card from a user device. Further, the computer implemented method may include generating, using a processing device, a unique identifier based on the customization request. Further, the computer implemented method may include transmitting, using the communication device, the unique identifier to the user device. Further, the computer implemented method may include transmitting, using the communication device, an executable content to the user device. Further, the computer implemented method may include receiving, using the communication device, each of at least one manipulated image and the unique identifier. Further, the computer implemented method may include storing, using a storage device, each of the at least one manipulated image, the unique identifier and an association between the at least one manipulated image and the unique identifier.

Inventors:
SCHURKIN SERGEI (RU)
PROVOROV STANISLAV (RU)
Application Number:
PCT/IB2018/051377
Publication Date:
July 12, 2018
Filing Date:
March 05, 2018
Export Citation:
Click for automatic bibliography generation   Help
Assignee:
SCHURKIN SERGEI (RU)
PROVOROV STANISLAV (RU)
International Classes:
G06F17/30; G06K19/06
Domestic Patent References:
WO2007136808A22007-11-29
Foreign References:
US20080308636A12008-12-18
US20040099730A12004-05-27
US20080000965A12008-01-03
US20070102510A12007-05-10
US20160294820A12016-10-06
Download PDF:
Claims:
What is claimed is:

1. A computer implemented method of customizing a card, the computer

implemented method comprising: receiving, using a communication device, a customization request for generating a customized card from a user device; generating, using a processing device, a unique identifier based on the customization request; transmitting, using the communication device, the unique identifier to the user device; transmitting, using the communication device, an executable content to the user device, wherein the executable content, upon execution on a processor comprised in the user device, is configured for: receiving, using an input device, a selection of at least one image; retrieving, using a memory device, the at least one image based on the selection; receiving, using the input device, at least one image manipulation; generating, using the processor, at least one manipulated image based on the at least one image and the at least one image manipulation; and transmitting, using a transceiver device, each of the at least one manipulated image and the unique identifier; receiving, using the communication device, each of the at least one manipulated image and the unique identifier; and storing, using a storage device, each of the at least one manipulated image, the unique identifier and an association between the at least one manipulated image and the unique identifier.

The computer implemented method of claim 1 further comprising: transmitting, using the communication device, the unique identifier to a personalization server; receiving, using the communication device, the unique identifier from the personalization server; and transmitting, using the communication device, the at least one manipulated image to the personalization server, wherein the personalization server is communicatively coupled to a card printer configured for printing the customized card based on the at least one manipulated image.

The computer implemented method of claim 1 , wherein the retrieving of at least one image is performed from an image gallery stored in the memory device. The computer implemented method of claim 1 , wherein the selection comprises indication of at least one storage server, the executable content is further configured for: transmitting, using the transceiver device, at least one image request to the at least one storage server based on the selection; receiving, using the transceiver device, the at least one image from the at least one storage server; and storing the at least one image in the memory device.

The computer implemented method of claim 4, wherein the executable content is further configured for: receiving, using the input device, at least one user credential; and transmitting, using the transceiver device, the at least one user credential to the at least one storage server, wherein the at least one storage server performs authentication based on the at least one user credential, wherein the at least one storage server is configured to transmit the at least one image in response to the at least one image request based on the authentication.

6. The computer implemented method of claim 4, wherein the at least one storage server corresponds to at least one social media account associated with a user.

7. The computer implemented method of claim 1, wherein the card comprises at least one of a bank card, a loyalty card, a social security card, a food card, a business card and an identity card.

8. The computer implemented method of claim 1 further comprising: analyzing, using the processing device, the at least one image; identifying, using the processing device, an acceptability of the at least one image based on the analyzing; and transmitting, using the communication device, the acceptability to the user device.

9. The computer implemented method of claim 8, wherein identifying the

acceptability is based on a predetermined set of guidelines associated with semantic content of the at least one image.

10. The computer implemented method of claim 1, wherein the executable content is further configured for: monitoring, using the processor, user interactions associated with a user of the user device; determining, using the processor, user preferences associated with the user based on the monitoring; identifying, using the processor, the at least one image based on the user preferences; and recommending, using the processor, the at least one image based on the user preferences, wherein the selection of the at least one image is received in response to the recommending.

11. A system for customizing a card, the system comprising:

a communication device configured for:

receiving a customization request for generating a customized card from a user device; transmitting a unique identifier to the user device; transmitting an executable content to the user device, wherein the executable content, upon execution on a processor comprised in the user device, is configured for: receiving, using an input device, a selection of at least one image; retrieving, using a memory device, the at least one image based on the selection; receiving, using the input device, at least one image manipulation; generating, using the processor, at least one manipulated image based on the at least one image and the at least one image manipulation; and transmitting, using a transceiver device, each of the at least one manipulated image and the unique identifier; and receiving each of the at least one manipulated image and the unique identifier; a processing device configured for: generating the unique identifier based on the customization request; and a storage device configured for storing each of the at least one manipulated image, the unique identifier and an association between the at least one manipulated image and the unique identifier.

12. The system of claim 11, wherein the communication device is further configured for: transmitting the unique identifier to a personalization server; receiving the unique identifier from the personalization server; and transmitting the at least one manipulated image to the personalization server, wherein the personalization server is communicatively coupled to a card printer configured for printing the customized card based on the at least one manipulated image.

13. The system of claim 11, wherein the retrieving of at least one image is performed from an image gallery stored in the memory device.

14. The system of claim 11, wherein the selection comprises indication of at least one storage server, the executable content is further configured for: transmitting, using the transceiver device, at least one image request to the at least one storage server based on the selection; receiving, using the transceiver device, the at least one image from the at least one storage server; and storing the at least one image in the memory device.

15. The system of claim 14, wherein the executable content is further configured for: receiving, using the input device, at least one user credential; and transmitting, using the transceiver device, the at least one user credential to the at least one storage server, wherein the at least one storage server performs authentication based on the at least one user credential, wherein the at least one storage server is configured to transmit the at least one image in response to the at least one image request based on the authentication.

16. The system of claim 14, wherein the at least one storage server corresponds to at least one social media account associated with a user.

17. The system of claim 11, wherein the card comprises at least one of a bank card, a loyalty card, a social security card, a food card, a business card and an identity card.

18. The system of claim 11, wherein the processing device is further configured for: analyzing the at least one image; and identifying an acceptability of the at least one image based on the analyzing, wherein the communication device is further configured for transmitting the acceptability to the user device.

19. The system of claim 18, wherein identifying the acceptability is based on a

predetermined set of guidelines associated with semantic content of the at least one image.

20. The system of claim 11 , wherein the executable content is further configured for: monitoring, using the processor, user interactions associated with a user of the user device; determining, using the processor, user preferences associated with the user based on the monitoring; identifying, using the processor, the at least one image based on the user preferences; and recommending, using the processor, the at least one image based on the user preferences, wherein the selection of the at least one image is received in response to the recommending.

Description:
COMPUTER IMPLEMENTED METHOD AND SYSTEM OF

CUSTOMIZING A CARD

The current application claims priority to the U.S. Provisional Patent Application serial number 62/441,858 filed on January, 3 2017.

FIELD OF THE INVENTION

The present invention relates generally to card customization. In particular, the present invention relates to a method and a system of customizing a card by users.

BACKGROUND OF THE INVENTION

Typically, individuals own multiple cards such as debit cards, credit cards, gift cards, loyalty cards, cards issued by one or more of governments, retail networks, software vendors (e.g. Apple iTunes cards), and fast-food networks (e.g., Burger King, Starbucks). Generally, the cards are not customized as per user's requirements. However, the users may wish to customize various cards owned by them.

Therefore, some institutions (such as banks) allow users to customize the cards issued by the institution. However, the customization includes image manipulation performed on the server- side. Further, the users may customize the cards by selecting images from image sources. However, the image sources may be limited. For example, the users may not be allowed to upload their own images. Further, the users may be forced to select images only from preset image galleries. Moreover, the customization may include printing the cards within the respective institution only.

Accordingly, there is a need for improved methods and systems of customizing a card by users that may also overcome one or more of the abovementioned problems and/or limitations. SUMMARY OF THE INVENTION

This summary is provided to introduce a selection of concepts in a simplified form that are further described below in the Detailed Description. This summary is not intended to identify key features or essential features of the claimed subject matter. Nor is this summary intended to be used to limit the claimed subject matter's scope.

Disclosed is a computer implemented method of customizing a card. The computer implemented method may include receiving, using a communication device, a customization request for generating a customized card from a user device. Further, the computer implemented method may include generating, using a processing device, a unique identifier based on the customization request. Further, the computer implemented method may include transmitting, using the communication device, the unique identifier to the user device. Further, the computer implemented method may include transmitting, using the communication device, an executable content to the user device. Further, the executable content, upon execution on a processor comprised in the user device, may be configured for receiving, using an input device, a selection of at least one image. Further, the executable content may be configured for retrieving, using a memory device, the at least one image based on the selection. Further, the executable content may be configured for receiving, using the input device, at least one image manipulation. Further, the executable content may be configured for generating, using the processor, at least one manipulated image based on the at least one image and the at least one image

manipulation. Further, the executable content may be configured for transmitting, using a transceiver device, each of the at least one manipulated image and the unique identifier. Further, the computer implemented method may include receiving, using the

communication device, each of the at least one manipulated image and the unique identifier. Further, the computer implemented method may include storing, using a storage device, each of the at least one manipulated image, the unique identifier and an association between the at least one manipulated image and the unique identifier.

Further, a system for customizing a card is disclosed. The system may include a communication device configured for receiving a customization request for generating a customized card from a user device. Further, the communication device may be configured for transmitting a unique identifier to the user device. Further, the

communication device may be configured for transmitting an executable content to the user device. Further, the executable content, upon execution on a processor comprised in the user device, may be configured for receiving, using an input device, a selection of at least one image. Further, the executable content may be configured for retrieving, using a memory device, the at least one image based on the selection. Further, the executable content may be configured for receiving, using the input device, at least one image manipulation. Further, the executable content may be configured for generating, using the processor, at least one manipulated image based on the at least one image and the at least one image manipulation. Further, the executable content may be configured for transmitting, using a transceiver device, each of the at least one manipulated image and the unique identifier. Further, the communication device may be configured for receiving each of the at least one manipulated image and the unique identifier. Further, the system may include a processing device configured for generating the unique identifier based on the customization request. Further, the system may include a storage device configured for storing each of the at least one manipulated image, the unique identifier and an association between the at least one manipulated image and the unique identifier.

According to some embodiments, a system for image manipulation for credit card customization is disclosed. The system may allow users to choose images for credit card customization. Further, the system may allow the users to manipulate images and approve images to be printed on the cards. All processing including image selection and image manipulation may be performed on the client side; for example, by using an applet running in a client browser.

Further the disclosed method and system may allow use of multiple image sources including user's hard drive, user's social network profiles and preset image galleries. Moreover, the disclosed method and system may perform all image processing on the client side. Further, the disclosed method and system may allow printing of cards at one or more of an in-house institution (such a bank) and a third party.

Both the foregoing summary and the following detailed description provide examples and are explanatory only. Accordingly, the foregoing summary and the following detailed description should not be considered to be restrictive. Further, features or variations may be provided in addition to those set forth herein. For example, embodiments may be directed to various feature combinations and sub-combinations described in the detailed description.

BRIEF DESCRIPTION OF THE DRAWINGS

The accompanying drawings, which are incorporated in and constitute a part of this disclosure, illustrate various embodiments of the present disclosure. The drawings contain representations of various trademarks and copyrights owned by the Applicants. In addition, the drawings may contain other marks owned by third parties and are being used for illustrative purposes only. All rights to various trademarks and copyrights represented herein, except those belonging to their respective owners, are vested in and the property of the applicants. The applicants retain and reserve all rights in their trademarks and copyrights included herein, and grant permission to reproduce the material only in connection with reproduction of the granted patent and for no other purpose.

Furthermore, the drawings may contain text or captions that may explain certain embodiments of the present disclosure. This text is included for illustrative, non-limiting, explanatory purposes of certain embodiments detailed in the present disclosure.

FIG. 1 is an illustration of a platform consistent with various embodiments of the present disclosure.

FIG. 2 is a flowchart of a method of customizing a card in accordance with some embodiments.

FIG. 3 is a flowchart of a computer implemented method of printing a customized card in accordance with some embodiments.

FIG. 4 is a flowchart of a computer implemented method of determining AN acceptability of at least one image in accordance with some embodiments.

FIG. 5 is a block diagram corresponding to a set of system architecture flow processes in accordance with some embodiments.

FIG. 6 is a flow chart corresponding to the set of user flow processes in accordance with some embodiments.

FIG. 7 illustrates a user interface for allowing the user to upload an image, in accordance with an exemplary embodiment.

FIG. 8 illustrates a user interface for allowing the user to upload an image, in accordance with an exemplary embodiment. FIG. 9 illustrates a user interface for allowing the user to upload an image, in accordance with an exemplary embodiment.

FIG. 10 shows a user interface for allowing the user to apply image manipulation, in accordance with an exemplary embodiment.

FIG. 11 shows a user interface for allowing the user to apply image manipulation, in accordance with an exemplary embodiment.

FIG. 12 shows a user interface showing a confirmation message to the user, in accordance with an exemplary embodiment.

FIG. 13 illustrates an exemplary computing system that may be employed to implement processing functionality for various embodiments.

DETAILED DESCRIPTION OF THE INVENTION As a preliminary matter, it will readily be understood by one having ordinary skill in the relevant art that the present disclosure has broad utility and application. As should be understood, any embodiment may incorporate only one or a plurality of the above - disclosed aspects of the disclosure and may further incorporate only one or a plurality of the above-disclosed features. Furthermore, any embodiment discussed and identified as being "preferred" is considered to be part of a best mode contemplated for carrying out the embodiments of the present disclosure. Other embodiments also may be discussed for additional illustrative purposes in providing a full and enabling disclosure. Moreover, many embodiments, such as adaptations, variations, modifications, and equivalent arrangements, will be implicitly disclosed by the embodiments described herein and fall within the scope of the present disclosure.

Accordingly, while embodiments are described herein in detail in relation to one or more embodiments, it is to be understood that this disclosure is illustrative and exemplary of the present disclosure and are made merely for the purposes of providing a full and enabling disclosure. The detailed disclosure herein of one or more embodiments is not intended, nor is to be construed, to limit the scope of patent protection afforded in any claim of a patent issuing here from, which scope is to be defined by the claims and the equivalents thereof. It is not intended that the scope of patent protection be defined by reading into any claim a limitation found herein that does not explicitly appear in the claim itself.

Thus, for example, any sequence(s) and/or temporal order of steps of various processes or methods that are described herein are illustrative and not restrictive.

Accordingly, it should be understood that, although steps of various processes or methods may be shown and described as being in a sequence or temporal order, the steps of any such processes or methods are not limited to being carried out in any particular sequence or order, absent an indication otherwise. Indeed, the steps in such processes or methods generally may be carried out in various different sequences and orders while still falling within the scope of the present invention. Accordingly, it is intended that the scope of patent protection is to be defined by the issued claim(s) rather than the description set forth herein. Additionally, it is important to note that each term used herein refers to that which an ordinary artisan would understand such term to mean based on the contextual use of such term herein. To the extent that the meaning of a term used herein— as understood by the ordinary artisan based on the contextual use of such term— differs in any way from any particular dictionary definition of such term, it is intended that the meaning of the term as understood by the ordinary artisan should prevail.

Furthermore, it is important to note that, as used herein, "a" and "an" each generally denotes "at least one," but does not exclude a plurality unless the contextual use dictates otherwise. When used herein to join a list of items, "or" denotes "at least one of the items," but does not exclude a plurality of items of the list. Finally, when used herein to join a list of items, "and" denotes "all of the items of the list."

The following detailed description refers to the accompanying drawings.

Wherever possible, the same reference numbers are used in the drawings and the following description to refer to the same or similar elements. While many embodiments of the disclosure may be described, modifications, adaptations, and other

implementations are possible. For example, substitutions, additions, or modifications may be made to the elements illustrated in the drawings, and the methods described herein may be modified by substituting, reordering, or adding stages to the disclosed methods. Accordingly, the following detailed description does not limit the disclosure. Instead, the proper scope of the disclosure is defined by the appended claims. The present disclosure contains headers. It should be understood that these headers are used as references and are not to be construed as limiting upon the subjected matter disclosed under the header.

The present disclosure includes many aspects and features. Moreover, while many aspects and features relate to, and are described in, the context of customizing cards, embodiments of the present disclosure are not limited to use only in this context.

Referring now to figures, FIG. 1 is an illustration of a platform 100 consistent with various embodiments of the present disclosure. By way of non-limiting example, the online platform 100 for customizing a card may be hosted on a centralized server 102, such as, for example, a cloud computing service. The centralized server 102 may communicate with other network entities, such as, for example mobile devices 106 (such as a smartphone, a laptop, a tablet computer etc.), other electronic devices 110 (such as desktop computers, etc.), databases 114 (such as image databases), a personalization server 116 via a communication network 104 such as, but not limited to, the Internet. Further, users of the platform may include one or more relevant parties such as users, card company officials, and system administrators. Accordingly, electronic devices operated by the one or more relevant parties may be in communication with the platform 100.

A user 112, such as the one or more relevant parties, may access platform 100 through a software application. The software application may be embodied as, for example, but not be limited to, a website, a web application, a desktop application, and a mobile application compatible with a computing device 1300.

FIG. 2 is a flowchart of a computer implemented method 200 of customizing a card in accordance with some embodiments. The card may include one or more of a bank card, a loyalty card, a social security card, a food card, a business card and an identity card.

At 202, the computer implemented method 200 may include receiving, using a communication device, a customization request for generating a customized card from a user device. For example, the customization request may be received from the user 112 with a user device such as the mobile device 106. Further, the online platform 100 may include the communication device.

Then, at 204, the computer implemented method 200 may include generating, using a processing device, a unique identifier based on the customization request. For example, the unique identifier may be a text including an alphanumeric string. Further, the online platform 100 may include the processing device. Next, at 206, the computer implemented method 200 may include transmitting, using the communication device, the unique identifier to the user device.

Yet further, at 208, the computer implemented method 200 may include transmitting, using the communication device, an executable content to the user device. For example, the executable content may be an applet, a plugin, a JavaScript code. Further, the executable content, upon execution on a processor comprised in the user device, may be configured for receiving, using an input device, a selection of at least one image. In some embodiments, the selection may include indication of at least one storage server, wherein the executable content may be further configured for transmitting, using the transceiver device, at least one image request to the at least one storage server based on the selection. The at least one storage server may correspond to at least one social media account associated with a user. For example, the at least one storage server may correspond to a social media account such as, but not limited to, Facebook™, Instagram™, Google Drive™, Google Photos™, and Dropbox™. In further

embodiments, the executable content may be configured for receiving, using an input device of the user device, at least one user credential. For example, the at least one user credential may include login details for at least one social media account. Moreover, the executable content may be configured for transmitting, using the transceiver device, the at least one user credential to the at least one storage server. Further, the at least one storage server performs authentication based on the at least one user credential. Further, the at least one storage server may be configured to transmit the at least one image in response to the at least one image request based on the authentication. Yet further, the executable content may be configured for receiving, using the transceiver device, the at least one image from the at least one storage server. Moreover, the executable content may be further configured for storing the at least one image in a memory device in the user device.

Yet further, the executable content may be configured for retrieving, using the memory device in the user device, the at least one image based on the selection. In some embodiments, the retrieving of at least one image may be performed from an image gallery stored in the memory device. For example, the at least one image may be received from the at least one storage server.

Further, the executable content may be configured for receiving, using the input device, at least one image manipulation. For example, the at least one image

manipulation may include one or more of resizing, cropping, flipping, and applying filters. Moreover, the executable content may be configured for generating, using the processor, at least one manipulated image based on the at least one image and the at least one image manipulation. Further, the executable content may be configured for transmitting, using a transceiver device, each of the at least one manipulated image and the unique identifier.

Further, at 210, the computer implemented method 200 may include receiving, using the communication device, each of the at least one manipulated image and the unique identifier. Further, at 212, the computer implemented method 200 may include storing, using a storage device, each of the at least one manipulated image, the unique identifier and an association between the at least one manipulated image and the unique identifier. For example, the online platform 100 may include the storage device.

FIG. 3 is a flowchart of a computer implemented method 300 of printing a customized card in accordance with some embodiments. At 302, the computer implemented method 300 may include transmitting, using the communication device, the unique identifier to a personalization server, such as the personalization server 116. For example, the unique identifier may be transmitted to the personalization server when the unique identifier is transmitted to the user device at 206.

Further, at 304, the computer implemented method 300 may include receiving, using the communication device, the unique identifier from the personalization server. For example, the unique identifier may be received from the personalization server when the at least one manipulated image is stored in the storage device. Further, the unique identifier may be received from the personalization server upon receiving an approval from the user device.

Thereafter, at 306, the computer implemented method 300 may include transmitting, using the communication device, the at least one manipulated image to the personalization server. Further, the personalization server may be communicatively coupled to a card printer configured for printing the customized card based on the at least one manipulated image.

FIG. 4 is a flowchart of a computer implemented method 400 of determining AN acceptability of at least one image in accordance with some embodiments. At 402, the computer implemented method 400 may include analyzing, using the processing device, the at least one image. For example, the analyzing may include image processing. Further, at 404, the computer implemented method 400 may include identifying, using the processing device, an acceptability of the at least one image based on the analyzing. In some embodiments, identifying the acceptability may be based on a predetermined set of guidelines associated with semantic content of the at least one image. For example, the predetermined set of guidelines may relate to restricting use of obscene images or copyrighted images.

Moreover, at 406, the computer implemented method 400 may include transmitting, using the communication device, the acceptability to the user device.

In some embodiments, the executable content may be further configured for monitoring, using the processor (of the user device), user interactions associated with a user of the user device. Further, the executable content may be configured for determining, using the processor, user preferences associated with the user based on the monitoring. For example, determining user preferences may include use of Artificial Intelligence and Machine Learning tools. Yet further, the executable content may be configured for identifying, using the processor, the at least one image based on the user preferences. Moreover, the executable content may be configured for recommending, using the processor, the at least one image based on the user preferences. Further, the selection of the at least one image may be received in response to the recommending.

According to some embodiments, a system for customizing a card is disclosed. The card may include one or more of a bank card, a loyalty card, a social security card, a food card, a business card and an identity card. The system may include a communication device configured for receiving a customization request for generating a customized card from a user device. For example, the customization request may be received from the user 112 with a user device such as the mobile device 106. The online platform 100 may also include the communication device. Further, the communication device may be configured for transmitting a unique identifier to the user device. For example, the unique identifier may be a text including an alphanumeric string. Further, the communication device may be configured for transmitting an executable content to the user device. For example, the executable content may be an applet, a plugin, a JavaScript code. Further, the executable content, upon execution on a processor comprised in the user device, may be configured for receiving, using an input device, a selection of at least one image. In some embodiments, the selection may include indication of at least one storage server, the executable content may be further configured for transmitting, using the transceiver device, at least one image request to the at least one storage server based on the selection. Further, the executable content may be configured for receiving, using the transceiver device, the at least one image from the at least one storage server. Moreover, the executable content may be configured for storing the at least one image in the memory device.

In further embodiments, the executable content may be configured for receiving, using the input device, at least one user credential. For example, the at least one user credential may include login details for at least one social media account. Further, the executable content may be configured for transmitting, using the transceiver device, the at least one user credential to the at least one storage server. For example, the at least one storage server may correspond to at least one social media account associated with a user. For example, the at least one storage server may correspond to a social media account such as, but not limited to, Facebook™, Instagram™, Google Drive™, Google Photos™, and Dropbox™. Further, the at least one storage server performs authentication based on the at least one user credential. Further, the at least one storage server may be configured to transmit the at least one image in response to the at least one image request based on the authentication.

Further, the executable content may be configured for retrieving, using a memory device, the at least one image based on the selection. In some embodiments, the retrieving of at least one image may be performed from an image gallery stored in the memory device.

Further, the executable content may be configured for receiving, using the input device, at least one image manipulation. Further, the executable content may be configured for generating, using the processor, at least one manipulated image based on the at least one image and the at least one image manipulation. Further, the executable content may be configured for transmitting, using a transceiver device, each of the at least one manipulated image and the unique identifier.

Further, the communication device may be configured for receiving each of the at least one manipulated image and the unique identifier. Further, the system may include a processing device configured for generating the unique identifier based on the customization request. The online platform 100 may also include the processing device.

Further, the system may include a storage device configured for storing each of the at least one manipulated image, the unique identifier and an association between the at least one manipulated image and the unique identifier.

In some embodiments, the communication device may be further configured for transmitting the unique identifier to a personalization server. Yet further, the

communication device may be configured for receiving the unique identifier from the personalization server. The communication device may be further configured for transmitting the at least one manipulated image to the personalization server. Further, the personalization server may be communicatively coupled to a card printer configured for printing the customized card based on the at least one manipulated image.

In some embodiments, the processing device may be further configured for analyzing the at least one image. Further, the processing device may be configured for identifying an acceptability of the at least one image based on the analyzing. The communication device may be further configured for transmitting the acceptability to the user device. In further embodiments, identifying the acceptability may be based on a predetermined set of guidelines associated with semantic content of the at least one image. For example, the predetermined set of guidelines may relate to restricting use of obscene images or copyrighted images.

In some embodiments, the executable content may be further configured for monitoring, using the processor, user interactions associated with a user of the user device. Further, the executable content may be configured for determining, using the processor, user preferences associated with the user based on the monitoring. For example, determining user preferences may include use of Artificial Intelligence and Machine Learning tools. Yet further, the executable content may be configured for identifying, using the processor, the at least one image based on the user preferences. Moreover, the executable content may be configured for recommending, using the processor, the at least one image based on the user preferences. Further, the selection of the at least one image may be received in response to the recommending. According to some embodiments, an image manipulation system for credit card customization is disclosed. The image manipulation system may include one or more of a client-side based image manipulation process, a set of system architecture flow processes, a set of user flow processes, a process for sending the finalized full-sized image, a process for sourcing images, and a customization support process. The set of system architecture flow processes is explained in further detail in conjunction with FIG. 5 below. The set of user flow processes is explained in further detail in conjunction with FIG. 6 below. The client-side based image manipulation process may perform all image manipulation on the client-side. For example, all image manipulation may be performed on the client side, using a web applet running in the client browser.

FIG. 5 is a block diagram corresponding to the set of system architecture flow processes 500 in accordance with some embodiments. First, a bank website 502 may send a unique design ID 504 to a front end software 506, which may be an applet. For example, the bank website may be hosted on the online platform 100. The bank website 502 may also send the unique design ID 504 to a bank personalization facility 508. For example, the bank personalization facility 508 may include the personalization server 116.

The front end software 506 (an applet) may be configured to obtain an uploaded full-size image 510. The uploaded full-size image 510 may come from the user's hard drive 512, the user's social network profile 514, and the image galleries set 516. The image galleries set 516 may obtain image galleries 518 from a back-end server 520. For example, the back-end server 520 may include the databases 114.

Further, the user may use the front end software 506 to manipulate the uploaded full-size image 510 to obtain a manipulated full-size image 522. Thereafter, the user may use the front end software 506 to approve the manipulated full-size image 522 at 524.

Once the user approves the manipulated full-size image 522, the front end software 506 may send the finalized full-sized image (the manipulated full-size image 522) with unique design ID 504 to a back-end server 520. The back-end server 520 may store multiple finalized user images with unique design IDs 528.

Thereafter, the bank personalization facility 508 may send data pertaining to the required design ID 530 to the back-end server 520. In response, the back-end server 520 may send the finalized user image 532 to the bank personalization facility 508. Finally, the bank personalization facility 508 may print the finalized user image 532 to a card. The bank personalization facility 508 may be located inside a bank, outsourced to bank bureau, or other third party.

FIG. 6 is a flow chart corresponding to the set of user flow processes 600 in accordance with some embodiments. First, a user 602 may apply to the bank for a card at 604. The user may enter a card design website at 606, wherein a session-based unique design ID 608 is generated. The session-based unique design ID 608 may be sent to a back end database 610. For example, the card design website may be hosted on the online platform 100.

Thereafter, the user may enter a browser-based image manipulation software, (such as an applet) at 612. Then, the user may select an image from available image sources at 614.

One of the image sources may be a set of preset image galleries 616, which may be linked the back end database 610. In an embodiment, the back end database 610 may be a database in the databases 114. Other possible image sources may include images which are uploaded to the browser-based image manipulation software at 618. These images may be uploaded from a user computer 620 or a user social network profile 622. This is explained in further detail in conjunction with FIGs. 7-8 below.

In some embodiments, the process for sourcing images may be configured to provide images. The images may be locally sourced from the user's hard drive. Further, the images may also be sourced from users' social media accounts, such as from

Facebook™, Instagram™, etc. Moreover, the images may be obtained from one or more preset images galleries.

FIG. 7 illustrates a user interface 700 for allowing the user to upload an image, in accordance with an exemplary embodiment. The user interface 700 shows three options including Choose from our gallery option 702, Upload your photo option 704 and Import from Instagram™ option 706. Further, the user may be allowed to upload an image from one or more social media platforms. The user may select any of the three options to select and upload the image. If the user selects the choose from our gallery option 702, then a user interface 800 may be displayed as shown in FIG. 8. The user interface 800 may show multiple image galleries to the user. For example, the multiple image galleries may include an animal gallery 802, a cars gallery 804, an instruments gallery 806, a weapons gallery 808, a 2 wheelers gallery 810, an equipment gallery 812, an accessories gallery 814, and an electronics gallery 816.

Further, if the user selects the Import from Instagram™ option 706, then a user interface 900 may be displayed as shown in FIG. 9. The user interface 900 may include a pane 902 which displays multiple images from the user's Instagram™ account. The user may select one or more images. Accordingly, the user interface 900 may display the selected one or more images on the sample cards 904-908.

Referring again to FIG. 6, the user may apply image manipulation at 624. For example, the image manipulation may include actions such as resizing, cropping, flipping, applying filters, etc. FIG. 10 shows a user interface 1000 for allowing the user to apply image manipulation, in accordance with an exemplary embodiment. The user interface 1000 shows a card 1002 with an image selected by the user from an image gallery (such as by using the user interface 800). Further, the user interface 1000 may provide a user interface element 1004 that allows the user to resize the selected image. Further, the user interface 1000 may provide a user interface element 1006 that allows the user to apply a filter to the selected image. For example, the filters may include one or more of contrast, vintage, retro, backlight, black & white, brightness and moon.

FIG. 11 shows a user interface 1100 for allowing the user to apply image manipulation, in accordance with an exemplary embodiment. The user interface 1100 shows a card 1102 with an image selected by the user from Instagram™ (such as by using the user interface 900). Further, the user interface 1100 may provide a user interface element 1104 that allows the user to resize the selected image. Further, the user interface 1100 may provide a user interface element 1106 that allows the user to apply a filter to the selected image. In some embodiments, the customization support process may be configured to manipulate the image.

Referring again to FIG. 6, the user may approve the final full-sized image at 626. Then, the final full-sized image with assigned unique design ID 628 may be stored in the back end database 610. Thereafter, the user may be shown a confirmation message 1200 on a user interface 1202 shown in FIG. 12. Further, the user interface 1202 may show the card 1206 with the final image. For example, the confirmation message 1200 may be "Your card will be delivered to bank department of your choice in 3 days ".

Thereafter, a bank personalization facility 630 may request the full-sized image corresponding to the unique design ID at 632. In response, the back end database 610 may send the full-sized image to the bank personalization facility 630 at 634. Finally, the bank personalization facility 630 may print the full-sized image on the card and send the card to the user. In an embodiment, the process for sending the finalized full-sized image may be configured to receive the finalized full-sized image from the back-end server 630.

FIG. 13 is a block diagram of a system including computing device 1300.

Consistent with an embodiment of the disclosure, the aforementioned memory storage and processing unit may be implemented in a computing device, such as computing device 1300 of FIG. 13. Any suitable combination of hardware, software, or firmware may be used to implement the memory storage and processing unit. For example, the memory storage and processing unit may be implemented with computing device 1300 or any of other computing devices 1318, in combination with computing device 1300. The aforementioned system, device, and processors are examples and other systems, devices, and processors may comprise the aforementioned memory storage and processing unit, consistent with embodiments of the disclosure.

With reference to FIG. 13, a system consistent with an embodiment of the disclosure may include a computing device or cloud service, such as computing device 1300. In a basic configuration, computing device 1300 may include at least one processing unit 1302 and a system memory 1304. Depending on the configuration and type of computing device, system memory 1304 may comprise, but is not limited to, volatile (e.g. random access memory (RAM)), non-volatile (e.g. read-only memory (ROM)), flash memory, or any combination. System memory 1304 may include operating system 1305, one or more programming modules 1306, and may include a program data 1307. Operating system 1305, for example, may be suitable for controlling computing device 1300's operation. Accordingly, in some embodiments, the

programming modules 1306 may be implemented using one or more of software and hardware. For example, in an instance, the programming modules 1306 may be implemented as modules of a Digital Signal Processor (DSP). Further, in another instance, multiple types of completely DSP chip powered and/or analog physical hardware unit designs may be used. Further, the implementation of the programming modules could also be a combination of mostly DSP modules with some analog modules/processing as well. Further, in some embodiments, as long as the dithering module is implemented via a DSP chip, technically the rest of the modules may be analog modules. Accordingly, stress testing may be performed to determine which components would be best for each unit's physical size limitations.

Furthermore, embodiments of the disclosure may be practiced in conjunction with a graphics library, other operating systems, or any other application program and is not limited to any particular application or system. This basic configuration is illustrated in FIG. 13 by those components within a dashed line 1308.

Computing device 1300 may have additional features or functionality. For example, computing device 1300 may also include additional data storage devices (removable and/or non-removable) such as, for example, magnetic disks, optical disks, or tape. Such additional storage is illustrated in FIG. 13 by a removable storage 1309 and a non -removable storage 1310. Computer storage media may include volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information, such as computer-readable instructions, data structures, program modules, or other data. System memory 1304, removable storage 1309, and non-removable storage 1310 are all computer storage media examples (i.e., memory storage.) Computer storage media may include, but is not limited to, RAM, ROM, electrically erasable read-only memory (EEPROM), flash memory or other memory technology, CD-ROM, digital versatile disks (DVD) or other optical storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices, or any other medium which can be used to store information and which can be accessed by computing device 1300. Any such computer storage media may be part of device 1300. Computing device 1300 may also have input device(s) 1312 such as a keyboard, a mouse, a pen, a sound input device, a touch input device, etc. Output device(s) 1314 such as a display, speakers, a printer, etc. may also be included. The aforementioned devices are examples and others may be used. Computing device 1300 may also contain a communication connection 1316 that may allow device 1300 to communicate with other computing devices 1318, such as over a network in a distributed computing environment, for example, an intranet or the Internet. Communication connection 1316 is one example of communication media. Communication media may typically be embodied by computer readable instructions, data structures, program modules, or other data in a modulated data signal, such as a carrier wave or other transport mechanism, and includes any information delivery media. The term "modulated data signal" may describe a signal that has one or more

characteristics set or changed in such a manner as to encode information in the signal. By way of example, and not limitation, communication media may include wired media such as a wired network or direct-wired connection, and wireless media such as acoustic, radio frequency (RF), infrared, and other wireless media. The term computer readable media as used herein may include both storage media and communication media.

As stated above, a number of program modules and data files may be stored in system memory 1304, including operating system 1305. While executing on processing unit 1302, programming modules 1306 (e.g., application 1320) may perform processes including, for example, one or more stages of methods, algorithms, systems, applications, servers, databases as described above. The aforementioned process is an example, and processing unit 1302 may perform other processes.

Generally, consistent with embodiments of the disclosure, program modules may include routines, programs, components, data structures, and other types of structures that may perform particular tasks or that may implement particular abstract data types.

Moreover, embodiments of the disclosure may be practiced with other computer system configurations, including hand-held devices, multiprocessor systems, microprocessor- based or programmable consumer electronics, minicomputers, mainframe computers, and the like. Embodiments of the disclosure may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote memory storage devices.

Furthermore, embodiments of the disclosure may be practiced in an electrical circuit comprising discrete electronic elements, packaged or integrated electronic chips containing logic gates, a circuit utilizing a microprocessor, or on a single chip containing electronic elements or microprocessors. Embodiments of the disclosure may also be practiced using other technologies capable of performing logical operations such as, for example, AND, OR, and NOT, including but not limited to mechanical, optical, fluidic, and quantum technologies. In addition, embodiments of the disclosure may be practiced within a general purpose computer or in any other circuits or systems.

Embodiments of the disclosure, for example, may be implemented as a computer process (method), a computing system, or as an article of manufacture, such as a computer program product or computer readable media. The computer program product may be a computer storage media readable by a computer system and encoding a computer program of instructions for executing a computer process. The computer program product may also be a propagated signal on a carrier readable by a computing system and encoding a computer program of instructions for executing a computer process. Accordingly, the present disclosure may be embodied in hardware and/or in software (including firmware, resident software, micro-code, etc.). In other words, embodiments of the present disclosure may take the form of a computer program product on a computer-usable or computer-readable storage medium having computer-usable or computer-readable program code embodied in the medium for use by or in connection with an instruction execution system. A computer-usable or computer-readable medium may be any medium that can contain, store, communicate, propagate, or transport the program for use by or in connection with the instruction execution system, apparatus, or device.

The computer-usable or computer-readable medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, device, or propagation medium. More specific computer-readable medium examples (a non-exhaustive list), the computer-readable medium may include the following: an electrical connection having one or more wires, a portable computer diskette, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or Flash memory), an optical fiber, and a portable compact disc read-only memory (CD-ROM). Note that the computer-usable or computer-readable medium could even be paper or another suitable medium upon which the program is printed, as the program can be electronically captured, via, for instance, optical scanning of the paper or other medium, then compiled, interpreted, or otherwise processed in a suitable manner, if necessary, and then stored in a computer memory.

Embodiments of the present disclosure, for example, are described above with reference to block diagrams and/or operational illustrations of methods, systems, and computer program products according to embodiments of the disclosure. The functions/acts noted in the blocks may occur out of the order as shown in any flowchart. For example, two blocks shown in succession may, in fact, be executed substantially concurrently or the blocks may sometimes be executed in the reverse order, depending upon the functionality/acts involved.

While certain embodiments of the disclosure have been described, other embodiments may exist. Furthermore, although embodiments of the present disclosure have been described as being associated with data stored in memory and other storage mediums, data can also be stored on or read from other types of computer-readable media, such as secondary storage devices, like hard disks, solid state storage (e.g., USB drive), or a CD-ROM, a carrier wave from the Internet, or other forms of RAM or ROM. Further, the disclosed methods' stages may be modified in any manner, including by reordering stages and/or inserting or deleting stages, without departing from the disclosure.

Although the invention has been explained in relation to its preferred

embodiment, it is to be understood that many other possible modifications and variations can be made without departing from the spirit and scope of the invention.