# US 12,182,775 B2 · Systems and methods for check masking and interdiction

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- Number: US 12,182,775 B2
- Document ID: US12182775B2
- Status: Granted
- Kind: B2
- Application number: 18/372,448
- Filed: 2023-09-25
- Published: 2024-01-25
- Granted: 2024-12-31
- Earliest claimed: 2018-01-18
- Assignees: Wells Fargo Bank, N.A.
- Applicants: Wells Fargo Bank, N.A.
- Inventors: Keith Hart
- Web page: https://patentgrep.com/patent/US12182775B2

## CPC

- G06Q 20/042: {characterized in that the payment protocol involves at least one cheque}
- G06F 21/6245: {Protecting personal data, e.g. for financial or medical purposes}
- G06Q 20/0425: {the cheque being electronic only}
- G06Q 20/3221: {Access to banking information through M-devices}
- G06Q 20/3223: {Realising banking transactions through M-devices}
- G06Q 20/405: {Establishing or using transaction specific rules}
- H04L 63/083: {using passwords (cryptographic mechanisms or cryptographic arrangements for entity authentication using a predetermined code H04L9/3226)}
- H04L 63/0861: {using biometrical features, e.g. fingerprint, retina-scan (cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231)}
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)
- H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M)

## Abstract

A method comprises receiving a request to display a first digital image on a user device associated with a user. The first digital image is representative of a first side of a physical check, and the physical check has sensitive information in a field. Sensitive information is deleted from the first digital image so that the sensitive information is unrecoverable and unretrievable from the first digital image. After deleting the sensitive information from the first digital image, the first digital image is displayed on the user device. In response to determining that the user has failed to pass interdiction, an interdiction factor is received. In response to the interdiction factor matching a stored interdiction factor, the user is passed from interdiction. After passing the user from interdiction, a second digital image is displayed on the user device and the field is then unmasked.

## Claims

### Claim 1

A method, comprising:
receiving, by a computer system from a user device associated with a user, a request to display a first digital image on the user device, the first digital image representative of a first side of a physical check, the first digital image having first sensitive information in a first field and second sensitive information in a second field;
masking, by the computer system, the first digital image by erasing the first sensitive information and the second sensitive information from the first digital image so the first sensitive information and the second sensitive information are unrecoverable and unretrievable from the first digital image;
after masking the first digital image, displaying, by the computer system, the first digital image on the user device;
receiving, by the computer system from the user device, an unmask request;
determining, by the computer system, whether the user has passed interdiction;
in response to determining that the user has failed to pass interdiction, transmitting, by the computer system to the user device, an interdiction factor comprising a biometric sample;
receiving, by the computer system from the user device, the interdiction factor;
matching, by the computer system, the interdiction factor to a stored interdiction factor;
in response to the interdiction factor matching the stored interdiction factor, passing, by the computer system, the user from interdiction; and
after passing the user from interdiction, displaying, by the computer system, a second digital image on the user device, the second digital image comprising at least one of the first sensitive information or the second sensitive information.

### Claim 2 (depends on 1)

The method of claim 1, wherein the second digital image comprises the first sensitive information and not the second sensitive information, the method further comprising:
after passing the user from interdiction, displaying the second digital image simultaneously with the first digital image on the user device, the second digital image displayed over the first field of the first digital image.

### Claim 3 (depends on 1)

The method of claim 1, further comprising:
displaying a first clickable hyperlink on the user device when the first digital image is displayed on the user device, the first clickable hyperlink configured to be selectively engaged by the user to send the unmask request.

### Claim 4 (depends on 3)

The method of claim 3, further comprising:
in response to detecting engagement of the first clickable hyperlink by the computer system, displaying a window on the user device, the window providing a blank field for receiving the interdiction factor from the user.

### Claim 5 (depends on 3)

The method of claim 3, further comprising:
displaying a second clickable hyperlink on the user device when the first digital image is displayed on the user device, the second clickable hyperlink disabled if the user has failed to pass interdiction; and
enabling the second clickable hyperlink in response to the user passing interdiction.

### Claim 6 (depends on 5)

The method of claim 5, further comprising
in response to detecting engagement of the second clickable hyperlink by the computer system, displaying a third digital image on the user device, the third digital image being of a second side of the physical check.

### Claim 7 (depends on 1)

The method of claim 1, further comprising displaying a first clickable image over the first field of the first digital image on the user device, the first clickable image configured to be selectively engaged by the user to send the unmask request.

### Claim 8 (depends on 7)

The method of claim 7, wherein the second digital image comprises the first sensitive information and not the second sensitive information, the method further comprising:
in response to detecting engagement of the first clickable image by the computer device, displaying the second digital image simultaneously with the first digital image, the second digital image displayed over the first field of the first digital image.

### Claim 9 (depends on 1)

The method of claim 1, wherein the second digital image comprises the first sensitive information and not the second sensitive information, the method further comprising:
displaying a first clickable image over the first field of the first digital image on the user device, the first clickable image configured to be selectively engaged by the user to send a first unmask request to display the first sensitive information;
displaying a second clickable image over the second field of the first digital image on the user device, the second clickable image configured to be selectively engaged by the user to send a second unmask request to display the second sensitive information;
in response to detecting engagement of the second clickable image and receiving the second unmask request, displaying the second digital image simultaneously with the first digital image, the second digital image comprising the second sensitive information and not the first sensitive information, the second digital image displayed over the second field of the first digital image; and
maintaining masking of the first field.

### Claim 10

A system, comprising:
at least one memory; and
at least one processor configured to:
receive, from a user device associated with a user, a request to display a first digital image on the user device, the first digital image representative of a first side of a physical check, the first digital image having first sensitive information in a first field and second sensitive information in a second field;
mask the first digital image by erasing the first sensitive information and the second sensitive information from the first digital image so the first sensitive information and the second sensitive information are unrecoverable and unretrievable from the first digital image;
after masking the first digital image, display the first digital image on the user device;
receive, from the user device, an unmask request;
determine whether the user has passed interdiction;
in response to determining that the user has failed to pass interdiction, transmit, to the user device, an interdiction factor comprising a biometric sample;
receive, from the user device, the interdiction factor;
match the interdiction factor to a stored interdiction factor;
in response to the interdiction factor matching the stored interdiction factor, pass the user from interdiction; and
after passing the user from interdiction, display a second digital image on the user device, the second digital image comprising at least one of the first sensitive information or the second sensitive information.

### Claim 11 (depends on 10)

The system of claim 10, wherein the second digital image comprises the first sensitive information and not the second sensitive information, the processor is further configured to:
after passing the user from interdiction, display the second digital image simultaneously with the first digital image on the user device, the second digital image displayed over the first field of the first digital image.

### Claim 12 (depends on 10)

The system of claim 10, the processor is further configured to display a first clickable hyperlink on the user device when the first digital image is displayed on the user device, the first clickable hyperlink configured to be selectively engaged by the user to send the unmask request.

### Claim 13 (depends on 12)

The system of claim 12, the processor is further configured to in response to detecting engagement of the first clickable hyperlink by the computer system, display a window on the user device, the window providing a blank field for receiving the interdiction factor from the user.

### Claim 14 (depends on 12)

The system of claim 12, the processor is further configured to:
display a second clickable hyperlink on the user device when the first digital image is displayed on the user device, the second clickable hyperlink disabled if the user has failed to pass interdiction; and
enable the second clickable hyperlink in response to the user passing interdiction.

### Claim 15 (depends on 14)

The system of claim 14, the processor is further configured to in response to detecting engagement of the second clickable hyperlink by the computer system, display a third digital image on the user device, the third digital image being of a second side of the physical check.

### Claim 16 (depends on 10)

The system of claim 10, the processor is further configured to displaying a first clickable image over the first field of the first digital image on the user device, the first clickable image configured to be selectively engaged by the user to send the unmask request.

### Claim 17 (depends on 16)

The system of claim 16, wherein the second digital image comprises the first sensitive information and not the second sensitive information, the processor is further configured to in response to detecting engagement of the first clickable image by the computer device, displaying the second digital image simultaneously with the first digital image, the second digital image displayed over the first field of the first digital image.

### Claim 18 (depends on 10)

The system of claim 10, wherein the second digital image comprises the first sensitive information and not the second sensitive information, the processor is further configured to:
display a first clickable image over the first field of the first digital image on the user device, the first clickable image configured to be selectively engaged by the user to send a first unmask request to display the first sensitive information;
display a second clickable image over the second field of the first digital image on the user device, the second clickable image configured to be selectively engaged by the user to send a second unmask request to display the second sensitive information;
in response to detecting engagement of the second clickable image and receiving the second unmask request, display the second digital image simultaneously with the first digital image, the second digital image comprising the second sensitive information and not the first sensitive information, the second digital image displayed over the second field of the first digital image; and
maintain masking of the first field.

### Claim 19

At least one non-transitory computer-readable medium comprising computer-readable instructions, such that when executed by at least one processor, causes the processor to:
receive, from a user device associated with a user, a request to display a first digital image on the user device, the first digital image representative of a first side of a physical check, the first digital image having first sensitive information in a first field and second sensitive information in a second field;
mask the first digital image by erasing the first sensitive information and the second sensitive information from the first digital image so the first sensitive information and the second sensitive information are unrecoverable and unretrievable from the first digital image;
after masking the first digital image, display the first digital image on the user device;
receive, from the user device, an unmask request;
determine whether the user has passed interdiction;
in response to determining that the user has failed to pass interdiction, transmit, to the user device, an interdiction factor comprising a biometric sample;
receive, from the user device, the interdiction factor;
match the interdiction factor to a stored interdiction factor;
in response to the interdiction factor matching the stored interdiction factor, pass the user from interdiction; and
after passing the user from interdiction, display a second digital image on the user device, the second digital image comprising at least one of the first sensitive information or the second sensitive information.

### Claim 20 (depends on 19)

The non-transitory computer-readable medium of claim 19, wherein the second digital image comprises the first sensitive information and not the second sensitive information, the processor is further caused to:
display a first clickable image over the first field of the first digital image on the user device, the first clickable image configured to be selectively engaged by the user to send a first unmask request to display the first sensitive information;
display a second clickable image over the second field of the first digital image on the user device, the second clickable image configured to be selectively engaged by the user to send a second unmask request to display the second sensitive information;
in response to detecting engagement of the second clickable image and receiving the second unmask request, display the second digital image simultaneously with the first digital image, the second digital image comprising the second sensitive information and not the first sensitive information, the second digital image displayed over the second field of the first digital image; and
maintain masking of the first field.