Enrollment and context based transfer instrument augmentation
AssigneeTruist Bank
InventorsChristopher Jon Kuiper, James Raleigh Weaver, Ejaz Ahmed Syed
Life of this patent
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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 network computing device and a user computing device each having integrated software applications that execute the operations comprising:
- (a) displaying by the user computing device, an Augmentation Settings graphical user interface (GUI), wherein:
- (i) the Augmentation Settings GUI comprises (A) an authorized user input field, (B) a first input function that displays a plurality of transfer instructions, and (C) a second input function that displays at least one product identification, and wherein
- (ii) the Augmentation Settings GUI receives inputs entered by a user, wherein (A) the authorized user input field receives authorized user identification data entered by the user, (B) the first input function receives transfer instruction selection data entered by the user, and (C) the second input function receives a production identification selection entered by the user;
- and wherein
- (iii) the authorized user identification data, the transfer instruction selection, and the product identification selection are transmitted to the network computing device and stored to a database;
- (b) transmitting by the user computing device, authentication data to the network computing device, wherein the network computing device conducts a verification analysis that determines a user identification;
- (c) activating a camera device integrated with, or in signal communication with, the user computing device, wherein the camera device generates camera image data that comprises a transfer instrument image;
- (d) applying by the user computing device, an augmentation image to the transfer instrument image through the operations comprising
- (i) receiving from the network computing device, when the user identification corresponds to the authorized user identification data, the transfer instruction selection data and the at least one product identification,
- (ii) converting the transfer instruction selection data and the at least one product identification into augmentation image data used to generate the augmentation image, and
- (iii) displaying the transfer instrument image and the augmentation image on a display device, wherein the augmentation image is rendered as overlaid on the transfer instrument image.
A system for implementing and augmenting a digital instrument comprising at least one computing device comprising an integrated software application that executes operations comprising:
- (a) transmitting by a user computing device, authentication data to the network computing device, wherein the network computing device (i) conducts a verification analysis that determines a user identification, and (ii) determines whether the user identification matches an authorized user identification stored to a database integrated with the network computing device;
- (b) activating a camera device integrated with, or in signal communication with, the user computing device, wherein the camera device generates camera image data that comprises a transfer instrument image;
- (c) applying by the user computing device, an augmentation image to the transfer instrument image through the operations comprising
- (i) receiving from the network computing device, when the user identification corresponds to the authorized user identification data, augmentation settings data comprising at least one transfer instruction,
- (ii) converting the augmentation settings data into augmentation image data used to generate the augmentation image, and
- (iii) displaying the transfer instrument image and the augmentation image on a display device, wherein the augmentation image is rendered as overlaid on the transfer instrument image and the augmentation image includes the at least one transfer instruction.
A method for implementing and augmenting a digital instrument comprising the steps of:
- (a) providing a database record stored to a remote computing device comprising (i) authorized user identification data, and (ii) transfer instruction selection data;
- (b) transmitting authentication data to the remote computing device, wherein the remote computing device (i) conducts a verification analysis that determines a user identification, and (ii) determines whether the user identification matches the authorized user identification data;
- (c) generating a transfer instrument image using a camera;
- (d) generating an augmentation image comprising the transfer instruction selection data when the user identification corresponds to the authorized user identification data;
- and
- (e) displaying the transfer instrument image and the augmentation image, wherein the augmentation image is rendered as overlaid on the transfer instrument image.
Dependencies are inferred from the claim text.