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CA-3172505-C - AUGMENTED REALITY CARD ACTIVATION EXPERIENCE

CA3172505CCA 3172505 CCA3172505 CCA 3172505CCA-3172505-C

Abstract

Various embodiments are generally directed to enhancing a card activation experience for an authorized card user when activating a new card by at least displaying various types of information related to the new card in augmented reality (AR) and allowing the user to perform the activation itself or experience other aspects of the activation process in AR. Information pertaining the successful activation of the card may also be provided to the user in AR.

Inventors

  • Jeffrey Rule
  • Kevan Emmott

Assignees

  • CAPITAL ONE SERVICES, LLC

Dates

Publication Date
20260505
Application Date
20210511
Priority Date
20200512

Claims (20)

  1. CLAIMS What is claimed is: 1. An apparatus comprising: a near-field communication (NFC) reader; one or more processors operable to execute stored instructions that, when executed, cause the one or more processors to: receive a uniform resource locator (URL) from a contactless card via the NFC reader, wherein the URL is associated with a download location for a software app; determine whether the software app is already available; in response to the software app not being available, download the software app from the download location provided by the URL and launch the software app; receive, via at least one camera, a plurality of images of the contactless card; display in augmented reality (AR), via the software app, information adjacent to or on the card based at least in part on the received plurality of images of the contactless card; detect an activation action; cause activation of the contactless card based on the detected activation action; and display in AR, via the software app, notification of the activation of the contactless card.
  2. 2. The apparatus of claim 1, wherein the one or more processors are further caused to: automatically launch the software app in response to the software app being already available on the apparatus.
  3. 3. The apparatus of claim 1 or 2, wherein the one or more processors are further caused to: identify at least a first component of the contactless card based at least in part on the received plurality of images of the contactless card, and wherein the information is: a first information related to the first component of the contactless card, a second information related to the contactless card, or a third information related to a user-selectable control for the contactless card.
  4. 4. The apparatus of any one of claims 1 to 3, wherein the one or more processors are further caused to: upon the launching of the software app, (i) perform registration procedures of a user associated with the customer card if the user is a new user or (ii) perform login procedures of the user if the user is an existing user; and 36 determine that the customer card is to be activated.
  5. 5. The apparatus of claim 4, wherein the URL is included in the customer card, a sticker, or a QR code, and wherein the one or more processors are further cause to receive the URL when customer card is brought near or tapped to the apparatus, the sticker is brought near, read or scanned by the apparatus, or the QR code is brought near, read or scanned by the apparatus.
  6. 6. The apparatus of claim 3, wherein the one or more processors are further caused to: identify a second component of the customer card based on the received plurality of images; and display in AR, via the software app, fourth information related to the second component of the customer card adjacent to the first component based on the received plurality of images, and wherein the first component or the second component is a graphical indication, text, or a physical component arranged on the customer card.
  7. 7. The apparatus of claim 3, wherein the third information related to the user selectable control comprises: (i) adding or removing one or more authorized users to the customer card or (ii) updating, changing, or setting up autopay for the customer card, and wherein the user selectable control allows a user associated with the customer card to add or remove the one or more authorized users or allows the user to update, change, or set up the autopay.
  8. 8. A method comprising: receiving, via a near field communication (NFC) reader, a uniform resource locator (URL) from a contactless card via NFC, wherein the URL is associated with a download location for a software app; determining, via one or more processors, whether the software app is already available; in response to the software app not being available, downloading the software app from the download location provided by the URL and launch the software app; receiving, via at least one camera, a plurality of images of the contactless card; 37 displaying in augmented reality (AR), via the software app, information adjacent to or on the card based at least in part on the received plurality of images of the contactless card; detecting an activation action; causing, via the one or more processors, activation of the contactless card based on the detected activation action; and displaying in AR, via the software app, notification of the activation of the contactless card.
  9. 9. The method of claim 8, further comprising: automatically launching the software app in response to the software app being already available on the apparatus.
  10. 10. The method of claim 8 or 9, further comprising: identifying at least a first component of the contactless card based at least in part on the received plurality of images of the contactless card, and wherein the information is: a first information related to the first component of the contactless card, a second information related to the contactless card, or a third information related to a user-selectable control for the contactless card.
  11. 11. The method of any one of claims 8 to 10, further comprising: upon the launching of the software app, (i) performing registration procedures of a user associated with the customer card if the user is a new user or (ii) performing login procedures of the user if the user is an existing user; and determining that the customer card is to be activated.
  12. 12. The method of claim 11, wherein the URL is included in the customer card, a sticker, or a QR code, and wherein the one or more processors are further cause to receive the URL when customer card is brought near or tapped to the apparatus, the sticker is brought near, read or scanned by the apparatus, or the QR code is brought near, read or scanned by the apparatus.
  13. 13. The method of claim 10, further comprising: identifying a second component of the customer card based on the received plurality of images; and 38 displaying in AR, via the software app, fourth information related to the second component of the customer card adjacent to the first component based on the received plurality of images, and wherein the first component or the second component is a graphical indication, text, or a physical component arranged on the customer card.
  14. 14. The method of claim 10, wherein the third information related to the user selectable control comprises: (i) adding or removing one or more authorized users to the customer card or (ii) updating, changing, or setting up autopay for the customer card, and wherein the user selectable control allows a user associated with the customer card to add or remove the one or more authorized users or allows the user to update, change, or set up the autopay.
  15. 15. A non-transitory computer-readable storage medium storing computer-readable program code executable by at least one processor to: receive a uniform resource locator (URL) from a contactless card via the NFC reader, wherein the URL is associated with a download location for a software app; determine whether the software app is already available; in response to the software app not being available, download the software app from the download location provided by the URL and launch the software app; receive, via at least one camera, a plurality of images of the contactless card; display in augmented reality (AR), via the software app, information adjacent to or on the card based at least in part on the received plurality of images of the contactless card; detect an activation action; cause activation of the contactless card based on the detected activation action; and display in AR, via the software app, notification of the activation of the contactless card.
  16. 16. The non-transitory computer-readable storage medium of claim 15, wherein the computerreadable program code causes the at least one processor to: automatically launch the software app in response to the software app being already available on the apparatus.
  17. 17. The non-transitory computer-readable storage medium of claim 15 or 16, wherein the computer-readable program code causes the at least one processor to: 39 identify at least a first component of the contactless card based at least in part on the received plurality of images of the contactless card, and wherein the information is: a first information related to the first component of the contactless card, a second information related to the contactless card, or a third information related to a user-selectable control for the contactless card.
  18. 18. The non-transitory computer-readable storage medium of any one of claims 15 to 17, wherein the computer-readable program code causes the at least one processor to: upon the launching of the software app, (i) perform registration procedures of a user associated with the customer card if the user is a new user or (ii) perform login procedures of the user if the user is an existing user; and determine that the customer card is to be activated.
  19. 19. The non-transitory computer-readable storage medium of claim 18, wherein the URL is included in the customer card, a sticker, or a QR code, and wherein the one or more processors are further cause to receive the URL when customer card is brought near or tapped to the apparatus, the sticker is brought near, read or scanned by the apparatus, or the QR code is brought near, read or scanned by the apparatus.
  20. 20. The non-transitory computer-readable storage medium of claim 17, wherein the third information related to the user selectable control comprises: (i) adding or removing one or more authorized users to the customer card or (ii) updating, changing, or setting up autopay for the customer card, and wherein the user selectable control allows a user associated with the customer card to add or remove the one or more authorized users or allows the user to update, change, or set up the autopay.

Description

AUGMENTED REALITY CARD ACTIVATION EXPERIENCE CROSS-REFERENCE TO RELATED APPLICATIONS [0001] This application claims priority to U.S. Patent Application Serial No. 16/872,572, entitled "AUGMENTED REALITY CARD ACTIVATION EXPERIENCE" filed on May 12, 2020 (issued as U.S. Patent No. 10,963,865 on March 30, 2021). BACKGROUND [0002] When a new card (e.g., debit card, credit card, etc.) arrives in the mail, an authorized user is required to activate the card in order to use it. There are various forms of activation. For example, the user can activate the card by calling a telephone number indicated on a sticker adhered to the card, performing various authentication steps, and speaking with a live or automated agent. In another example, the user can activate the card by opening up a web browser, logging in the user's online account, performing various authentication steps, and pressing an activation icon. In either example, the activation experience can be uninformative and dull. SUMMARY [0003] Various embodiments are generally directed to enhancing a card activation experience for an authorized card user when activating a new card by at least displaying various types of information related to the new card in augmented reality (AR) and allowing the user to perform the activation itself or experience other aspects of the activation process in AR. Information pertaining the successful activation of the card may also be provided to the user in AR. BRIEF DESCRIPTION OF THE DRAWINGS [0004] FIG. lA illustrates an example data transmission system in accordance with one or more embodiments. [0005] FIG. lB illustrates an example sequence diagram for providing authenticated access in accordance with one or more embodiments. [0006] FIG. 2 illustrates an example system using a contactless card in accordance with one or more embodiments. [0007] FIG. 3A illustrates an example contactless card in accordance with one or more embodiments. [0008] FIG. 3B illustrates an example contact pad of a contactless card in accordance with one or more embodiments. [0009] FIG. 4 illustrate example URL readings in accordance with one or more embodiments. 1 Date Re9ue/Date Received 2024-05-16 CA 03172505 2022- 9- 20 WO 2021/231440 PCT/0S2021/031797 [0010] FIG. 5 illustrates an example interface flow for downloading a banking app, user registration, and card activation initiation in accordance with one or more embodiments. [0011] FIG. 6 illustrates a first example of card information displayed in augmented reality (AR) in accordance with one or more embodiments. [0012] FIG. 7 illustrates a second example of card information displayed in AR in accordance with one or more embodiments. [0013] FIG. 8 illustrate example card activation actions in accordance with one or more emhodiments. [0014] FIG. 9 illustrates an example flow diagram in accordance with one or more embodiments. DETAILED DESCRIPTION [0015] Various embodiments are generally directed to enhancing the card activation experience for an authorized card user by at least displaying various types of information related to the new card in augmented reality (AR) and allowing the user to perform the activation or experience various aspects of the activation process in AR. [0016] In embodiments, during the activation experience, various information and selectable options related to the card may be displayed in AR. For instance, if the card is a credit card, information such as the annual percentage rate (APR) of the card, credit limit, payment due date, or the like may be displayed around or adjacent to the card in AR. Other types of information may also be displayed in AR, such as information associated with one or more different types of components (e.g., hardware, software, etc.) contained in the card or various graphics (e.g., contactless graphic) depicted on the card. In another instance, selectable options related to the card such as adding or removing authorized users or setting up auto payment may also be displayed in AR. Moreover, instructions related to the activation process may be displayed and experienced in AR. It may be understood that, in AR, the information and selectable options may remain in predefined display positions relative to the card even if the physical position of the ca1nera changes. [0017] ln embodiments, upon an authorized card user (e.g., banking customer) receiving a new card (e.g., credit card, debit card, business card), the user may tap the card to the user's mobile device (e.g., smartphone). When the card is tapped to the mobile device, the mobile device may read a uniform resource locator (URL) from the card via near field communication (NFC). In examples, the URL may direct the user to a download location for downloading a banking application (otherwise referred to herein as "banking app") if the banking application is not already on the mobile device. If the user already has the banking app on the mobile device, the banking app may be launched instead. It ma