Granted Patent B1

US 12,732,541 · App. 19/212,012 · Granted Sep 8, 2026

Inventors: Timothy Gorman (Columbus, OH); Gregory A. McCracken (Columbus, OH); Anil Chowdary Pathi (Columbus, OH); Doug Henderson (Columbus, OH)

Assignee: The Huntington National Bank

H04L63/18G06Q20/10G06Q20/108G06Q20/36H04L63/10G06Q40/02G06V30/413

Abstract

Claims (67)

1 . A system comprising:

a processor; and

a memory communicatively coupled to the processor, the memory including instructions that configure the processor to perform operations comprising:

receiving, from a device, a file comprising an image of a physical check requesting a transaction to distribute, through a first transaction channel, a resource from a user to a recipient and a set of pre-extracted data related to the transaction from the image comprising at least a quantity of the resource, wherein the request is to distribute the resource from a first user resource repository corresponding to the first transaction channel to a first recipient resource repository, the first user resource repository being a first type of resource repository;

extracting, subsequent to receiving the file and using a trained machine learning model, a plurality of values from the image including a name of the recipient and an address of the recipient, the name and the address being determined based on determining a relationship between a first location of a first value in the image and a second location of a second value in the image;

retrieving, in response to receiving the file, at least one past distribution to the recipient;

determining, based on the at least one past distribution, an alternate transaction channel distinct from the first transaction channel to distribute the resource from the user to the recipient based on determining that the at least one past distribution was received by the recipient via the alternate transaction channel;

determining that the at least one past distribution is associated with a second type of resource repository;

generating a second user resource repository that is the second type;

generating, in response to a sum of quantities of resources distributed to the recipient in a recipient distribution history exceeding a pre-set threshold, a second recipient resource repository; and

controlling a distribution of the resource from the user to the recipient through the alternate transaction channel by distributing the resource from the second user resource repository to the second recipient resource repository in response to determining the alternate transaction channel.

2 . The system of claim 1 , wherein the request is to distribute the resource to the first recipient resource repository of a first resource distribution system, and wherein the operations further comprise:

recording the quantity of the resource to the recipient distribution history that includes the at least one past distribution to the recipient; and

determining the sum of quantities of resources in the recipient distribution history.

3 . The system of claim 1 , wherein the operations further comprise:

recording the quantity of the resource and a date of the request to a user distribution history;

identifying, based on the user distribution history associated with the user, distributions from the user to the recipient at a regular interval;

scheduling the distribution from the user to the recipient for a next occurrence of the regular interval; and

controlling the distribution of the resource from the user to the recipient through the alternate transaction channel by distributing the resource from the user to the recipient at the next occurrence of the regular interval.

4 . The system of claim 1 , wherein the user is a first user and the at least one past distribution to the recipient is from a second user that is different than the first user.

5 . The system of claim 1 , wherein the operations further comprise:

recording the quantity of the resource to a user distribution history;

determining another sum of quantities distributed from the user to the recipient stored in the user distribution history; and

controlling the distribution of the resource from the user to the recipient through the alternate transaction channel in response to determining the other sum of quantities distributed from the user to the recipient exceeds another pre-set threshold.

6 . A method comprising:

receiving, from a device, a file comprising an image of a physical check requesting a transaction to distribute, through a first transaction channel, a resource from a user to a recipient and a set of pre-extracted data related to the transaction from the image comprising at least a quantity of the resource, wherein the request is to distribute the resource from a first user resource repository corresponding to the first transaction channel to a first recipient resource repository, the first user resource repository being a first type of resource repository;

extracting, subsequent to receiving the file and using a trained machine learning model, a plurality of values from the image including a name of the recipient and an address of the recipient, the name and the address being determined based on determining a relationship between a first location of a first value in the image and a second location of a second value in the image;

retrieving, in response to receiving the file, at least one past distribution to the recipient;

determining, based on the at least one past distribution, an alternate transaction channel distinct from the first transaction channel to distribute the resource from the user to the recipient based on determining that the at least one past distribution was received by the recipient via the alternate transaction channel;

determining that the at least one past distribution is associated with a second type of resource repository;

generating a second user resource repository that is the second type;

generating, in response to a sum of quantities of resources distributed to the recipient in a recipient distribution history exceeding a pre-set threshold, a second recipient resource repository; and

controlling a distribution of the resource from the user to the recipient through the alternate transaction channel by distributing the resource from the second user resource repository to the second recipient resource repository in response to determining the alternate transaction channel.

7 . The method of claim 6 , wherein the request is to distribute the resource to the first recipient resource repository of a first resource distribution system, and wherein the method further comprises:

recording the quantity of the resource to the recipient distribution history that includes the at least one past distribution to the recipient; and

determining the sum of quantities of resources in the recipient distribution history.

8 . The method of claim 6 , further comprising:

recording the quantity of the resource and a date of the request to a user distribution history;

identifying, based on the user distribution history associated with the user, distributions from the user to the recipient at a regular interval;

scheduling the distribution from the user to the recipient for a next occurrence of the regular interval; and

controlling the distribution of the resource from the user to the recipient through the alternate transaction channel by distributing the resource from the user to the recipient at the next occurrence of the regular interval.

9 . The method of claim 6 , wherein the user is a first user and the at least one past distribution to the recipient is from a second user that is different than the first user.

10 . The method of claim 6 , further comprising:

recording the quantity of the resource to a user distribution history;

determining another sum of quantities distributed from the user to the recipient stored in the user distribution history; and

controlling the distribution of the resource from the user to the recipient through the alternate transaction channel in response to determining the other sum of quantities distributed from the user to the recipient exceeds another pre-set threshold.

11 . A non-transitory computer-readable medium comprising instructions that are executable by a processor for causing the processor to perform operations comprising:

receiving, from a device, a file comprising an image of a physical check requesting a transaction to distribute, through a first transaction channel, a resource from a user to a recipient and a set of pre-extracted data related to the transaction from the image comprising at least a quantity of the resource, wherein the request is to distribute the resource from a first user resource repository corresponding to the first transaction channel to a first recipient resource repository, the first user resource repository being a first type of resource repository;

extracting, subsequent to receiving the file and using a trained machine learning model, a plurality of values from the image including a name of the recipient and an address of the recipient, the name and the address being determined based on determining a relationship between a first location of a first value in the image and a second location of a second value in the image;

retrieving, in response to receiving the file, at least one past distribution to the recipient;

determining, based on the at least one past distribution, an alternate transaction channel distinct from the first transaction channel to distribute the resource from the user to the recipient based on determining that the at least one past distribution was received by the recipient via the alternate transaction channel;

determining that the at least one past distribution is associated with a second type of resource repository;

generating a second user resource repository that is the second type;

generating, in response to a sum of quantities of resources distributed to the recipient in a recipient distribution history exceeding a pre-set threshold, a second recipient resource repository; and

controlling a distribution of the resource from the user to the recipient through the alternate transaction channel by distributing the resource from the second user resource repository to the second recipient resource repository in response to determining the alternate transaction channel.

12 . The non-transitory computer-readable medium of claim 11 , wherein the request is to distribute the resource to the first recipient resource repository of a first resource distribution system, and wherein the operations further comprise:

recording the quantity of the resource to the recipient distribution history that includes the at least one past distribution to the recipient; and

determining the sum of quantities of resources in the recipient distribution history.

13 . The non-transitory computer-readable medium of claim 11 , wherein the operations further comprise:

recording the quantity of the resource and a date of the request to a user distribution history;

identifying, based on the user distribution history associated with the user, distributions from the user to the recipient at a regular interval;

scheduling the distribution from the user to the recipient for a next occurrence of the regular interval; and

controlling the distribution of the resource from the user to the recipient through the alternate transaction channel by distributing the resource from the user to the recipient at the next occurrence of the regular interval.

14 . The non-transitory computer-readable medium of claim 11 , wherein the operations further comprise:

recording the quantity of the resource to a user distribution history;

determining another sum of quantities distributed from the user to the recipient stored in the user distribution history; and

controlling the distribution of the resource from the user to the recipient through the alternate transaction channel in response to determining the other sum of quantities distributed from the user to the recipient exceeds another pre-set threshold.

Assignments (1)

Continuity (1)

References Cited (260)