# US 12,223,486 B2 · Assessing validity of mail item

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- Number: US 12,223,486 B2
- Document ID: US12223486B2
- Status: Granted
- Kind: B2
- Application number: 18/593,451
- Filed: 2024-03-01
- Published: 2024-08-01
- Granted: 2025-02-11
- Earliest claimed: 2016-12-23
- Assignees: Wells Fargo Bank, N.A.
- Applicants: Wells Fargo Bank, N.A.
- Inventors: Andrew J. Garner, IV; Chris Kalaboukis
- Web page: https://patentgrep.com/patent/US12223486B2

## CPC

- G06Q 20/145: {Payments according to the detected use or quantity}
- G06Q 10/107: Computer-aided management of electronic mailing [e-mailing]
- G06Q 20/4014: {Identity check for transactions}
- G06Q 20/4016: {involving fraud or risk level assessment in transaction processing}
- G06Q 30/0279: Fundraising management
- G06Q 50/06: Energy or water supply
- 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

## Abstract

The validity of a mail item containing a monetary solicitation is determined. An image is received of the mail item and the image is analyzed to identify a plurality of data fields within the mail item. The validity or invalidity of the data within each of the plurality of identified data fields is then established, and a user-interactive image overlay is generated for the image of the mail item that includes a validity indicator for each of the plurality of identified data fields. The validity indicator is representative of the validity or invalidity of the data within each of the identified plurality of data fields. The user-interactive image overlay is sent to a user device to display the image of the mail item.

## Claims

### Claim 1

A non-transitory computer-readable medium storing data instructions which, when executed by a processor, cause the processor to:
receive an image of a mail item captured by a camera of an augmented reality user device;
identify data fields within the mail item;
discern fraudulent characteristics within the mail item by performing a contextual analysis on the data fields within the mail item;
based on the contextual analysis, establish a validity of data within the data fields;
generate a user-interactive image overlay for the image of the mail item that includes a validity indicator associated with at least one of the data fields within the mail item, the validity indicator indicating the validity of the data;
display, by the augmented reality user device, the user-interactive image overlay on the image of the mail item; and
upon receipt of a selection of the validity indicator, update the user-interactive image overlay to include a display of a selectable action button with a recommendation regarding whether to pay a monetary amount to a payee.

### Claim 2 (depends on 1)

The non-transitory computer-readable medium of claim 1, wherein the processor is further caused to provide: a display response, a typed response, or a verbal response to a request for additional information.

### Claim 3 (depends on 1)

The non-transitory computer-readable medium of claim 1, wherein the validity indicator represents the validity of the data within each of the data fields through: shape, color, text, and/or audio.

### Claim 4 (depends on 1)

The non-transitory computer-readable medium of claim 1, wherein the monetary amount and the payee each comprise one of the data fields within the mail item.

### Claim 5 (depends on 1)

The non-transitory computer-readable medium of claim 1, wherein the user-interactive image overlay for the image of the mail item includes an interactive option to select rejection or acceptance of a binding condition, wherein the binding condition comprises one of the data fields within the mail item.

### Claim 6 (depends on 1)

The non-transitory computer-readable medium of claim 1, wherein the user-interactive image overlay further includes a listing of historical user payments or actions relative to the payee.

### Claim 7 (depends on 1)

The non-transitory computer-readable medium of claim 1, wherein the data instructions further cause the processor to establish the validity of the data within each of the data fields through comparison of the data against established reference elements.

### Claim 8 (depends on 7)

The non-transitory computer-readable medium of claim 7, wherein the reference elements comprise data obtained from previous mail item images obtained from a current user.

### Claim 9 (depends on 8)

The non-transitory computer-readable medium of claim 8, wherein the reference elements additionally comprise data obtained from the previous mail item images obtained from a previous user different from the current user.

### Claim 10 (depends on 9)

The non-transitory computer-readable medium of claim 9, wherein the reference elements additionally comprise legitimate billing formats obtained directly from the payee or from a third-party organization.

### Claim 11

A method comprising:
receiving an image of a mail item captured by a camera of an augmented reality user device;
identifying data fields within the mail item;
discerning fraudulent characteristics within the mail item by performing a contextual analysis on the data fields within the mail item;
based on the contextual analysis, establishing a validity of data within the data fields;
generating a user-interactive image overlay for the image of the mail item that includes a validity indicator associated with at least one of the data fields within the mail item, the validity indicator indicating the validity of the data;
displaying, by the augmented reality user device, the user-interactive image overlay on the image of the mail item; and
upon receipt of a selection of the validity indicator, updating the user-interactive image overlay to include a display of a selectable action button with a recommendation regarding whether to pay a monetary amount to a payee.

### Claim 12 (depends on 11)

The method of claim 11, further providing a display response, a typed response or a verbal response to a request for additional information.

### Claim 13 (depends on 11)

The method of claim 11, wherein the validity indicator represents the validity of the data within each of the data fields through: shape, color, text, and/or audio.

### Claim 14 (depends on 11)

The method of claim 11, wherein the monetary amount and the payee each comprise one of the data fields within the mail item.

### Claim 15 (depends on 11)

The method of claim 11, wherein the user-interactive image overlay for the image of the mail item includes an interactive option to select rejection or acceptance of a binding condition, wherein the binding condition comprises one of the data fields within the mail item.

### Claim 16 (depends on 11)

The method of claim 11, wherein the user-interactive image overlay further includes a listing of historical user payments or actions relative to the payee.

### Claim 17 (depends on 11)

The method of claim 11 further comprising establishing the validity of the data within each of the data fields through comparison of the data against established reference elements.

### Claim 18 (depends on 17)

The method of claim 17, wherein the reference elements comprise data obtained from previous mail item images obtained from a current user.

### Claim 19 (depends on 18)

The method of claim 18, wherein the reference elements additionally comprise data obtained from the previous mail item images obtained from a previous user different from the current user.

### Claim 20 (depends on 19)

The method of claim 19, wherein the reference elements additionally comprise legitimate billing formats obtained directly from the payee or from a third-party organization.