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:
Nov. 25, 2025
Filed:
Mar. 30, 2023
Applicant:
Truist Bank, Charlotte, NC (US);
Inventor:
Barath Jayaraman, Fort Mill, SC (US);
Assignee:
TRUIST BANK, Charlotte, NC (US);
Primary Examiner:
Assistant Examiner:
Int. Cl.
CPC ...
G06Q 20/32 (2012.01); G06F 9/451 (2018.01); G06F 16/23 (2019.01); G06F 21/53 (2013.01); G06Q 20/04 (2012.01); G06Q 20/10 (2012.01); G06Q 20/30 (2012.01); G06Q 20/34 (2012.01); G06Q 20/36 (2012.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); G06Q 40/06 (2012.01); G06T 7/10 (2017.01); H04L 9/32 (2006.01); H04L 29/06 (2006.01); H04W 12/06 (2021.01); H04W 12/08 (2021.01); G06F 21/31 (2013.01); G06F 21/32 (2013.01); G06F 21/45 (2013.01); G06F 21/57 (2013.01); G06Q 40/02 (2023.01); H04W 4/14 (2009.01); H04W 12/062 (2021.01); H04W 12/72 (2021.01); H04W 60/00 (2009.01);
U.S. Cl.
CPC ...
G06Q 20/3274 (2013.01); G06Q 20/042 (2013.01); G06Q 20/401 (2013.01); G06T 7/10 (2017.01); G06T 2207/20084 (2013.01);
Abstract
Disclosed are systems and methods for generating encoded instruments that implement electronic transfers. The system converts instruments to an electronic format using an imaging source or optical code detection device. The image data is processed to decode encoded components of the image data and to determine content elements and segments of the electronic transfer instrument and to extract transfer data. The transfer data is validated to facilitate secure, accurate execution of the electronic transfer.