US 11,687,935 B1Granted

Systems and methods for validating an instrument

AssigneeCapital One Services, LLC

InventorsDavid Kelly Wurmfeld, Kevin Osborn

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Abstract

Disclosed are methods and systems for validating instruments. For instance, a request to generate a cashier's check may be received from an application executing on a drawer's computing device. Request information may be stored within a data storage entry for the check, and a code to be printed on the check may be generated to include at least a portion of the request information. Instructions may be provided to a printing system to cause the check to be printed with the code, where the printed check is invalid. Instructions may be provided to the application and/or printing system to cause display of a prompt to facilitate a reading of the code to validate the check. When information within the code is read by and received from the printing system, the check may be validated, which triggers a transfer of funds from the drawer's account. Otherwise, the check may remain invalid.

Claims21

Dependent claims

A computer-implemented method comprising:

receiving, from an application executing on a computing device of a drawer, a request to generate a cashier's check;
storing information associated with the request within an entry generated for the cashier's check in an associated data storage system;
generating a code to be printed on the cashier's check, wherein information within the code includes at least a portion of the stored information associated with the request;
providing instructions to a printing system to cause the cashier's check to be printed with the code, wherein the cashier's check with the code printed by the printing system is invalid;
providing instructions to one or more of the application or the printing system to cause display of a prompt to facilitate a reading of the code by the printing system to validate the cashier's check;
receiving the information within the code read by the printing system;
and
in response to the receiving of the information within the code, changing a status of the cashier's check from invalid to valid by identifying the entry for the cashier's check using the information within the code and updating the entry to indicate the cashier's check is valid, and triggering a transfer of funds corresponding to an amount of the cashier's check from an account of the drawer.

5 more elements

A system, comprising:

at least one memory storing instructions;
and
at least one processor operatively connected to the at least one memory and configured to execute the instructions to perform operations, comprising:
receiving, from an application executing on a computing device of a drawer, a request to generate a cashier's check;
storing information associated with the request within an entry generated for the cashier's check in an associated data storage system;
generating a code to be printed on the cashier's check, wherein information within the code includes at least a portion of the stored information associated with the request;
providing instructions to a printing system to cause the cashier's check to be printed with the code, wherein the cashier's check with the code printed by the printing system is invalid;
providing instructions to one or more of the application or the printing system to cause display of a prompt to facilitate a reading of the code by the printing system to validate the cashier's check;
receiving the information within the code read by the printing system;
and
in response to the receiving of the information within the code, changing a status of the cashier's check from invalid to valid by identifying the entry for the cashier's check using the information within the code and updating the entry to indicate the cashier's check is valid, and triggering a transfer of funds corresponding to an amount of the cashier's check from an account of the drawer.

8 more elements

A computer-implemented method, comprising:

receiving, from an application executing on a computing device of a drawer, a request to generate a cashier's check;
storing information associated with the request within an entry generated for the cashier's check in an associated data storage system;
generating a code to be printed on the cashier's check, wherein information within the code includes at least a portion of the stored information associated with the request;
providing instructions to a printing system to cause the cashier's check to be printed with the code, wherein the cashier's check with the code printed by the printing system is invalid;
providing instructions to one or more of the application or the printing system to cause display of a prompt to facilitate a reading of the code by the printing system to validate the cashier's check;
when information within the code is read by and received from the printing system, changing a status of the cashier's check from invalid to valid by identifying the entry for the cashier's check using the information within the code and updating the entry to indicate the cashier's check is valid, and triggering a transfer of funds corresponding to an amount of the cashier's check from an account of the drawer;
and
when information within the code is not read by and received from the printing system, causing the status of the cashier's check to remain invalid.

5 more elements

Dependencies are inferred from the claim text.