Granted Patent B2

US 12,646,039 · App. 18/756,016 · Granted Jun 2, 2026

Inventors: George Albero (Charlotte, NC); Maharaj Mukherjee (Poughkeepsie, NY); Benjamin D. Moores (Ventura, CA)

Assignee: Bank of America Corporation

G06Q20/0425G06K7/1417G06K19/06037G06Q20/204G06Q20/3274G06Q20/40145G06Q20/4015G06Q20/407

Abstract

Claims (53)

1 . A computing platform comprising:

at least one processor;

a communication interface communicatively coupled to the at least one processor; and

memory storing computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:

configure, based on a check image depicting a check from an initial payor to a recipient user corresponding to a user device, a digital check for use in conducting transactions between the user device and one or more point of sale devices, wherein configuring the digital check further comprises:

embedding a digital chip into the digital check, and

redacting information of an initial sender and any previous recipients of the digital check, and instead displaying a current sender and current recipient;

send, to the user device, the digital check, wherein sending the digital check to the user device enables the user device to execute a transaction with a first point of sale device of the one or more point of sale devices;

receive, from the first point of sale device, a request to execute the transaction;

send, to an event processing server, one or more commands directing the event processing server to process the transaction, wherein sending the one or more commands directing the event processing server to process the transaction causes the event processing server to execute a transfer of funds from an account of the initial payor to an enterprise account of the first point of sale device, without transferring the funds to an account of the recipient user, and wherein executing the transfer of funds comprises transferring a portion of the funds corresponding to the digital check, wherein the portion of the funds corresponding to the digital check comprises a portion of funds requested in the transaction, and wherein a remaining portion of the funds requested in the transaction are provided from an alternate source, different than the digital check, wherein the alternate source is preconfigured by a user; and

adjust the digital check to display the remaining portion of the funds once the portion of the funds has been transferred.

2 . The computing platform of claim 1 , wherein executing the transaction comprises scanning, by the first point of sale device and from a display of the user device, a quick response (QR) code representative of the check.

3 . The computing platform of claim 1 , wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:

validate, after receiving the request to execute the transaction, the digital check, wherein validating the digital check comprises verifying one of more of:

an account of the initial payor has sufficient funds to support a deposit of the digital check, or

an enterprise corresponding to the first point of sale device is an intended recipient of the digital check.

4 . The computing platform of claim 3 , wherein validating the digital check comprises one or more of:

validating, using a distributed ledger corresponding to the digital check, the digital check, or

validating, using a digital chip embedded in the digital check, the digital check.

5 . The computing platform of claim 4 , wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:

modify, after execution of the transfer of funds from the account of the initial payor to the enterprise account of the first point of sale device, the distributed ledger to indicate the transfer of the funds.

6 . The computing platform of claim 1 , wherein executing the transfer of funds comprises transferring a portion of the funds corresponding to the digital check.

7 . The computing platform of claim 1 , wherein configuring, the digital check for use in conducting transactions between the user device and the one or more point of sale devices comprises:

identifying a geolocation of the user device;

identifying, based on the geolocation of the user device, one or more enterprises;

sending, to the user device, a notification of the one or more enterprises; and

based on receiving a user input selecting an enterprise of the one or more enterprises, configuring the digital check for use in conducting transactions between the user device and a point of sale device associated with the enterprise.

8 . The computing platform of claim 1 , wherein the one or more point of sale devices are uniquely configured to process digital checks from an enterprise associated with the computing platform.

9 . The computing platform of claim 1 , wherein configuring the digital check comprises depositing funds of the digital check into a mobile pay application of the user device.

10 . The computing platform of claim 1 , wherein funds of the digital check are not deposited to an account of the recipient user.

11 . The computing platform of claim 1 , wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:

receive, from the user device and after receiving a request to execute a second transaction from a second point of sale device, a check transfer cancellation request, wherein the check transfer cancellation request requests cancellation of transfer of the digital check; and

cancel, without causing a transfer of funds from the account of the initial payor to an enterprise account of the second point of sale device, the second transaction.

12 . The computing platform of claim 11 , wherein the check transfer cancellation request is received within a predetermined time period after receipt of the request to execute the second transaction.

13 . The computing platform of claim 1 , wherein configuring the digital check comprises generating a QR code representative of the check.

14 . A method comprising:

at a computing platform comprising at least one processor, a communication interface, and memory:

configuring, based on a check image depicting a check from an initial payor to a recipient user corresponding to a user device, a digital check for use in conducting transactions between the user device and one or more point of sale devices, wherein configuring the digital check further comprises:

embedding a digital chip into the digital check, and

redacting information of an initial sender and any previous recipients of the digital check, and instead displaying a current sender and current recipient;

sending, to the user device, the digital check, wherein sending the digital check to the user device enables the user device to execute a transaction with a first point of sale device of the one or more point of sale devices;

receiving, from the first point of sale device, a request to execute the transaction;

sending, to an event processing server, one or more commands directing the event processing server to process the transaction, wherein sending the one or more commands directing the event processing server to process the transaction causes the event processing server to execute a transfer of funds from an account of the initial payor to an enterprise account of the first point of sale device, without transferring the funds to an account of the recipient user, and wherein executing the transfer of funds comprises transferring a portion of the funds corresponding to the digital check, wherein the portion of the funds corresponding to the digital check comprises a portion of funds requested in the transaction, and wherein a remaining portion of the funds requested in the transaction are provided from an alternate source, different than the digital check, wherein the alternate source is preconfigured by a user; and

adjusting the digital check to display the remaining portion of the funds once the portion of the funds has been transferred.

15 . The method of claim 14 , wherein executing the transaction comprises scanning, by the first point of sale device and from a display of the user device, a quick response (QR) code representative of the check.

16 . One or more non-transitory computer-readable media storing instructions that, when executed by a computing platform comprising at least one processor, a communication interface, and memory, cause the computing platform to:

configure, based on a check image depicting a check from an initial payor to a recipient user corresponding to a user device, a digital check for use in conducting transactions between the user device and one or more point of sale devices, wherein configuring the digital check further comprises:

embedding a digital chip into the digital check, and

redacting information of an initial sender and any previous recipients of the digital check, and instead displaying a current sender and current recipient;

send, to the user device, the digital check, wherein sending the digital check to the user device enables the user device to execute a transaction with a first point of sale device of the one or more point of sale devices;

receive, from the first point of sale device, a request to execute the transaction;

send, to an event processing server, one or more commands directing the event processing server to process the transaction, wherein sending the one or more commands directing the event processing server to process the transaction causes the event processing server to execute a transfer of funds from an account of the initial payor to an enterprise account of the first point of sale device, without transferring the funds to an account of the recipient user, and wherein executing the transfer of funds comprises transferring a portion of the funds corresponding to the digital check, wherein the portion of the funds corresponding to the digital check comprises a portion of funds requested in the transaction, and wherein a remaining portion of the funds requested in the transaction are provided from an alternate source, different than the digital check, wherein the alternate source is preconfigured by a user; and

adjust the digital check to display the remaining portion of the funds once the portion of the funds has been transferred.

Assignments (1)

Continuity (2)

References Cited (69)