Identifying payment card categories based on optical character recognition of images of the payment cards

Abstract

A user captures an image of a payment card via a user computing device camera. An optical character recognition system receives the payment card image from the user computing device. The system performs optical character recognition and visual object recognition algorithms on the payment card image to extract text and visual objects from the payment card image, which are used by the system to identify a payment card type. The system may categorize the payment card as a credit card or a non-credit card. In an example embodiment, the system determines that the payment card type is a credit card and transmits fee structure to the user. The user selects a second payment card for use in the transaction and the transaction is processed using financial account information associated with the second payment card.

1 - 20 . (canceled) 
     
     
         21 . A computer-implemented method to select cards, comprising:
 recognizing, by one or more computing devices, one or more text objects and one or more visual features in an image of a first card;   extracting, by the one or more computing devices, the one or more recognized text objects and the one or more recognized visual features from the image of the first card;   determining, by the one or more computing devices, based on the one or more extracted text objects and the one or more extracted visual features of the image of the first card, a categorical designation for the first card, the categorical designation comprising a processing system identifier and a card type;   receiving, by the one or more computing devices and from a user computing device, a first input of a first selection of the first card;   in response to receiving the first input of the selection of the first card, retrieving, by the one or more computing devices, a data structure for a first processing computing system associated with the first card type, the data structure identifying one or more values for the determined card type;   transmitting, by the one or more computing devices and to the user computing device, the retrieved data structure and a request for a second input selecting a second card other than the selected first card, wherein the data structure and the request are displayed via the user computing device;   receiving, by the one or more computing devices and from the user computing device, a second input of a second selection of the second card at a time after transmitting the retrieved data structure and the request for the second input selecting the second card other than the selected first card; and   transmitting, by the one or more computing devices and to a second processing computing system associated with the second card, a second request comprising information associated with the selected second card.   
     
     
         22 . The method of  claim 21 , further comprising retrieving, by the one or more computing devices and for each of the extracted one or more visual features, a text description corresponding to the extracted one or more visual features, wherein the categorical designation for the first card is determined further based on the text description corresponding to the extracted one or more visual features. 
     
     
         23 . The method of  claim 21 , further comprising:
 receiving, by the one or more computing devices and from the user computing devices, a second image comprising an image of the second card; and   extracting, by the one or more computing devices, one or more text objects and one or more visual features from the second image.   
     
     
         24 . The method of  claim 23 , further comprising retrieving, by the one or more computing devices and for each of the extracted one or more visual features from the second image, a text description corresponding to the extracted one or more visual features. 
     
     
         25 . The method of  claim 21 , further comprising, receiving, by the one or more computing devices and from the user computing device, the image of the first card. 
     
     
         26 . The method of  claim 21 , wherein the user computing device captures the image of the first card using a camera device communicating with the user computing device. 
     
     
         27 . The method of  claim 21 , wherein the one or more visual features comprise color, brightness, pattern, lines, shapes, shading, a holographic nature of an object, or other appropriate or relevant features of the image of the first card. 
     
     
         28 . A computer program product, comprising:
 a non-transitory computer-readable storage device having computer-executable program instructions embodied thereon that when executed by a computer cause the computer to select cards, the computer-executable instructions comprising:   computer-executable program instructions to recognize one or more text objects and one or more visual features in an image of a first card;   computer-executable program instructions to extract the one or more recognized text objects and the one or more recognized visual features from the image of the first card;   computer-executable program instructions to determine based on the one or more extracted text objects and the one or more extracted visual features of the image of the first card, a categorical designation for the first card, the categorical designation comprising an processing system identifier and a card type;   computer-executable program instructions to receive, from the user computing device, a first input of a selection of the first card;   in response to receiving the first input of the selection of the first card, computer-executable program instructions to retrieve a data structure associated with a processing system for the card type identifying one or more associated values for the determined card type;   computer-executable program instructions to transmit, to the user computing device, the retrieved data structure and a request for a second input selecting a second card other than the selected first card, wherein the data structure and the request are displayed via the user computing device;   computer-executable program instructions to receive, from the user computing device, an input of a selection of the second card at a time after transmitting the retrieved data structure and the request for the second input selecting the second card other than the selected first card; and   computer-executable program instructions to transmit, to a processing system associated with the second card, a request comprising information associated with the selected second card.   
     
     
         29 . The computer program product of  claim 28 , further comprising computer-executable program instructions to retrieve, for each of the extracted one or more visual features, a text description corresponding to the extracted one or more visual features, wherein the categorical designation for the first card is determined further based on the text description corresponding to the extracted one or more visual features. 
     
     
         30 . The computer program product of  claim 28 , further comprising:
 computer-executable program instructions to receive, from the user computing device, a second image comprising an image of the second card; and   computer-executable program instructions to extract one or more text objects and one or more visual features from the second image.   
     
     
         31 . The computer program product of  claim 28 , further comprising computer-executable program instructions to retrieve, for each of the extracted one or more visual features from the second image, a text description corresponding to the extracted one or more visual features. 
     
     
         32 . The computer program product of  claim 28 , further comprising computer-executable program instructions to receive, from the user computing device, the image of the first card. 
     
     
         33 . The computer program product of  claim 28 , wherein the user computing device captures the image of the first card using a camera device communicating with the user computing device. 
     
     
         34 . The computer program product of  claim 28 , wherein the one or more visual features comprise color, brightness, pattern, lines, shapes, shading, a holographic nature of an object, or other appropriate or relevant features of the image of the first card. 
     
     
         35 . A system to select cards, comprising:
 a storage device; and   a processor communicatively coupled to the storage device, wherein the processor executes application code instructions that are stored in the storage device to cause the system to:
 recognize one or more text objects and one or more visual features in an image of a first card; 
 extract the one or more recognized text objects and the one or more recognized visual features from the image of the first card; 
 determine based on the one or more extracted text objects and the one or more extracted visual features of the image of the first card, a categorical designation for the first card, the categorical designation comprising an processing system identifier and a card type; 
 receive, from the user computing device, a first input of a selection of the first card; 
 in response to receiving the first input of the selection of the first card, retrieve a data structure associated with a processing system for the card type identifying one or more associated values for the determined card type; 
 transmit, to the user computing device, the retrieved data structure and a request for a second input selecting a second card other than the selected first card, wherein the data structure and the request are displayed via the user computing device; 
 receive, from the user computing device, an input of a selection of the second card at a time after transmitting the retrieved data structure and the request for the second input selecting the second card other than the selected first card; and 
 transmit, to a processing system associated with the second card, a request comprising information associated with the selected second card. 
   
     
     
         36 . The system of  claim 35 , wherein the processor is further configured to execute application code instructions that are stored in the storage device to cause the system to retrieve, for each of the extracted one or more visual features, a text description corresponding to the extracted one or more visual features, wherein the categorical designation for the first card is determined further based on the text description corresponding to the extracted one or more visual features. 
     
     
         37 . The system of  claim 35 , wherein the processor is further configured to execute application code instructions that are stored in the storage device to cause the system to:
 receive, from the user computing device, a second image comprising an image of the second card; and   extract one or more text objects and one or more visual features from the second image.   
     
     
         38 . The system of  claim 35 , wherein the processor is further configured to execute application code instructions that are stored in the storage device to cause the system to retrieve, for each of the extracted one or more visual features from the second image, a text description corresponding to the extracted one or more visual features. 
     
     
         39 . The system of  claim 35 , wherein the processor is further configured to execute application code instructions that are stored in the storage device to cause the system to receive, from the user computing device, the image of the first card. 
     
     
         40 . The system of  claim 35 , wherein the one or more visual features comprise color, brightness, pattern, lines, shapes, shading, a holographic nature of an object, or other appropriate or relevant features of the image of the first card.