Displaying payment instrument art

Abstract

Displaying payment instrument art in a proxy card transaction includes a proxy card system that employs a server configured for receiving a plurality of electronic image files for financial payment instruments; receiving information identifying guidelines for determining which of the plurality of electronic image files is appropriate for the corresponding plurality of financial payment instruments; receiving a request to associate a payment instrument with a proxy card account maintained by the one or more computing devices, the request comprising information identifying the payment instrument, the payment instrument being associated with a payment instrument account maintained by a payment instrument system; determining a particular one of the electronic image files associated with the status of the payment instrument account; receiving a verification of the particular one of the electronic image files; and displaying the verified particular one of the electronic image files with the payment instrument on the user computing device.

What is claimed is: 
     
         1 . A computer-implemented method to display payment instrument art on user computing devices, comprising:
 receiving, using one or more computing devices, a plurality of electronic image files for a plurality of art available for a corresponding plurality of financial payment instruments;   receiving, using the one or more computing devices, guidelines for determining which of the plurality of electronic image files is appropriate for the corresponding plurality of financial payment instruments;   receiving, using the one or more computing devices, a request to associate a payment instrument with a proxy card account maintained by the one or more computing devices, the request comprising information identifying the payment instrument, the payment instrument being associated with a payment instrument account maintained by a payment instrument system;   identifying, using the one or more computing devices, a status of the payment instrument account on the payment instrument system;   determining, using the one or more computing devices, a particular one of the electronic image files associated with the status of the payment instrument account, the particular one of the electronic image files being determined based at least in part on the guidelines;   receiving, using the one or more computing devices and from a user computing device, a verification of the particular one of the electronic image files; and   displaying, using the one or more computing devices, the verified particular one of the electronic image files with the payment instrument on the user computing device, the displaying step being performed at the time of a transaction using the payment instrument on the user computing device or upon request input into the user computing device.   
     
     
         2 . The computer-implemented method of  claim 1 , further comprising:
 displaying, using the one or more computing devices, one or more options for the particular one of the electronic image files for selection on the user computing device; and   receiving, using the one or more computing devices and from the user computing device, a selection of the particular one of the electronic image files to be associated with the payment instrument.   
     
     
         3 . The computer-implemented method of  claim 2 , further comprising:
 receiving, using the one or more computing devices, electronic art input into the user computing device, the submitted electronic art complying with the guidelines; and   incorporating, using the one or more computing devices, the submitted art into the options.   
     
     
         4 . The computer-implemented method of  claim 2 , further comprising:
 determining, using the one or more computing devices, that the payment instrument account has encountered a change of status;   determining, using the one or more computing devices, if the status of the payment instrument account requires a new electronic image file based at least in part on the guidelines and the change of status; and   updating, using the one or more computing devices, the particular one of the electronic image files associated with the payment instrument based on the guidelines and the change of status.   
     
     
         5 . The computer-implemented method of  claim 1 , the information identifying the payment instrument comprising an issuer identification number. 
     
     
         6 . The computer-implemented method of  claim 1 , the payment instrument comprising a credit card, a debit card, a stored value card, a loyalty card, a peer-to-peer transaction account, a value added service account, or a bank account. 
     
     
         7 . The computer-implemented method of  claim 1 , each of the electronic image files comprising a virtual representation of a physical card associated with the payment instrument. 
     
     
         8 . The computer-implemented method of  claim 7 , the virtual representation comprising a color of the card, a picture on the card, or a set of written text on the card. 
     
     
         9 . A computer program product, comprising:
 a non-transitory computer-readable storage device having computer-readable program instructions embodied thereon that when executed by a computer perform a method to display digital wallet object art on user computing devices, the computer-readable program instructions comprising:
 computer program instructions to receive a plurality of electronic image files for a plurality of art available for a corresponding plurality of digital wallet objects; 
 computer program instructions to receive guidelines for determining which of the plurality of electronic image files is appropriate for the corresponding plurality of digital wallet objects; and 
 computer program instructions to receive a request to associate a digital wallet object with an account maintained by the one or more computing devices, the request comprising information identifying the digital wallet object, the digital wallet object being associated with a digital wallet account maintained by an issuer of the digital wallet object; 
 computer program instructions to determine a particular one of the electronic image files associated with the status of the digital wallet account, the particular one of the electronic image files being determined based at least in part on the guidelines; and 
 computer program instructions to display the determined particular one of the electronic image files with the digital wallet object on the user computing device. 
   
     
     
         10 . The computer program product of  claim 9 , further comprising:
 computer-executable program instructions to receive, from a user computing device, a verification of the particular one of the electronic image files; and   computer program instructions to display the verified particular one of the electronic image files with the digital wallet object on the user computing device.   
     
     
         11 . The computer program product of  claim 9 , wherein the displaying step is performed at the time of a transaction using the digital wallet object on the user computing device or upon request input into the user computing device. 
     
     
         12 . The computer program product of  claim 9 , further comprising computer-executable program instructions to identify a status of the digital wallet object account on the issuer of the digital wallet object. 
     
     
         13 . The computer program product of  claim 9 , the digital wallet object comprising a credit card, a debit card, a stored value card, a loyalty card, a peer-to-peer transaction account, a value added service account, or a bank account or other digital wallet account comprising an access key, an identification card, a passport, a transit card, a boarding pass, a ticket, a coupon, or any object that can be presented in exchange for goods or services or to gain access to goods or services. 
     
     
         14 . The computer program product of  claim 9 , further comprising:
 computer-executable program instructions to display one or more options for the particular one of the electronic image files for selection on the user computing device; and   computer-executable program instructions to receive from the user computing device, a selection of the particular one of the electronic image files to be associated with the digital wallet object.   
     
     
         15 . The computer program product of  claim 9 , further comprising:
 computer-executable program instructions to receive electronic art input into the user computing device, the submitted electronic art complying with the guidelines; and   computer-executable program instructions to incorporate the submitted art into the options.   
     
     
         16 . A system to use a one-time code to display payment instrument art on user computing devices, the system comprising:
 a storage resource;   a network module; and   a processor communicatively coupled to the storage resource and the network module, wherein the processor executes application code instructions that are stored in the storage resource and that cause the system to:
 receive a plurality of electronic image files for a plurality of art available for a corresponding plurality of financial payment instruments; 
 receive guidelines for determining which of the plurality of electronic image files is appropriate for the corresponding plurality of financial payment instruments; 
 receive a request to associate a payment instrument with a proxy card account maintained by the one or more computing devices, the request comprising information identifying the payment instrument, the payment instrument being associated with a payment instrument account maintained by a payment instrument system; 
 determine a particular one of the electronic image files associated with the status of the payment instrument account, the particular one of the electronic image files being determined based at least in part on the guidelines; 
 receive from a user computing device, a verification of the particular one of the electronic image files; and 
 display the verified particular one of the electronic image files with the payment instrument on the user computing device. 
   
     
     
         17 . The system of  claim 16 , the instructions further comprising identifying a status of the payment instrument account on the payment instrument system. 
     
     
         18 . The system of  claim 16 , wherein the displaying step is performed at the time of a transaction using the payment instrument on the user computing device or upon request input into the user computing device. 
     
     
         19 . The system of  claim 16 , the instructions further comprising:
 displaying one or more options for the particular one of the electronic image files for selection on the user computing device; and   receiving, from the user computing device, a selection of the particular one of the electronic image files to be associated with the payment instrument.   
     
     
         20 . The system of  claim 16 , the instructions further comprising:
 receiving electronic art input into the user computing device, the submitted electronic art complying with the guidelines; and   incorporating the submitted art into the options.