Implementing and displaying digital transfer instruments
AssigneeTruist Bank
InventorsChristopher Jon Kuiper, James Raleigh Weaver, Ejaz Ahmed Syed
Life of this patent
Estimating the term…
Abstract
Disclosed are systems and methods for generating and augmenting digital instruments that implement electronic transfers. The system converts instruments to a digital format and applies electronic augmentations in the form of metadata or layered optically perceptible data that can be verified or edited. The electronic augmentations are integrated with the digital instrument prior to transmitting the instrument to a third party to initiate transfer execution.
Claims20
A system for implementing and augmenting a digital instrument comprising a computing device having integrated software applications that execute the operations comprising:
- (a) activating an image source device in signal communication with the computing device, wherein the image source device generates source image data that comprises a transfer instrument image;
- (b) executing a placement analysis using the source image data to generate augmentation placement data;
- and
- (c) applying an electronic augmentation to the source image data by (i) converting augmentation settings data into augmentation image data, and (ii) displaying the source image data and the augmentation image data on a display device, wherein the electronic augmentation is rendered as overlaid on the transfer instrument according to the augmentation placement data.
A system for implementing and augmenting a digital instrument comprising a provider computing device and an end user computing device, wherein each computing device comprises integrated software applications that perform the execute comprising:
- (a) executing by the provider computing device a role data check utilizing a user identification received from the end user computing device, wherein the role data check defines transfer instructions based on the user identification;
- (b) activating an image source device in signal communication with the end user computing device, wherein the image source device generates source image data that comprises an image of a transfer instrument;
- (c) converting by the provider computing device, augmentation settings data into augmentation image data that is transmitted to the end user computing device;
- (d) executing a placement analysis by the end user computing device using the source image data, wherein the placement analysis comprises the operations of
- (i) executing using a content recognition analysis that identifies one or more relative marking characters in the source image data, and
- (ii) executing a feature recognition analysis that identifies relative marking features in the source image data, and wherein
- (iii) the placement analysis returns augmentation placement data;
- and
- (e) applying by the end user computing device, an electronic augmentation to the source image data by displaying the source image data and the augmentation image data on a display device integrated with the end user computing device, wherein the electronic augmentation is rendered as overlaid on the transfer instrument according to the augmentation placement data.
A method for implementing and augmenting a digital instrument comprising the steps of:
- (a) performing a role data check that defines marking data;
- (b) generating an electronic augmentation using the marking data;
- (c) generating a transfer instrument image using a camera;
- (d) performing a placement analysis to generate augmentation placement data;
- (e) displaying the transfer instrument image and the electronic augmentation, wherein the electronic augmentation is rendered as overlaid on the transfer instrument image according to the augmentation placement data;
- (f) receiving a confirmation input from a user, and
- (g) generating, in response to the confirmation input, a digital instrument that comprises (i) a single combined image file that, when displays, renders the electronic augmentation placed on the transfer instrument;
- and (ii) marking data appended as metadata to the single combined image file.
The method for implementing and augmenting a digital instrument of claim 20, wherein the electronic augmentation comprises:
- (a) digital signature data;
- (b) a product identification;
- and (c) transfer instruction data.
Dependencies are inferred from the claim text.