The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Aug. 31, 2021
Filed:
Dec. 06, 2018
Applicant:
Bank of America Corporation, Charlotte, NC (US);
Inventors:
Assignee:
Bank of America Corporation, Charlotte, NC (US);
Primary Examiner:
Assistant Examiner:
Int. Cl.
CPC ...
G06Q 20/34 (2012.01); G06Q 20/04 (2012.01); G06Q 20/20 (2012.01); G06K 7/10 (2006.01); G06K 19/07 (2006.01); G06K 19/077 (2006.01);
U.S. Cl.
CPC ...
G06Q 20/341 (2013.01); G06K 7/10366 (2013.01); G06K 19/0723 (2013.01); G06Q 20/042 (2013.01); G06Q 20/204 (2013.01);
Abstract
Apparatus and methods for an erasable reusable check are provided. The method may include receiving in a card reader a microchip embedded in a check. The method may also include extracting from the microchip data identifying a payor name, a payor address, a bank account number of a payor bank account a routing number of the payor bank account, and pixelated data. The method may further include transforming the pixelated data into written text and creating an Image Replacement Document ('IRD') of the check. The IRD may include the payor name, the payor address, the bank account number, the routing number, and the written text.