US 12,340,367 B2
Dynamic augmented digital transfer instruments
Christopher Jon Kuiper, Douglasville, GA (US); James Raleigh Weaver, Atlanta, GA (US); and Ejaz Ahmed Syed, Morrisville, NC (US)
Assigned to TRUIST BANK, Charlotte, NC (US)
Filed by Truist Bank, Charlotte, NC (US)
Filed on Dec. 13, 2022, as Appl. No. 18/065,129.
Prior Publication US 2024/0193599 A1, Jun. 13, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/04 (2012.01); G06Q 20/10 (2012.01); G06Q 20/30 (2012.01); H04L 9/32 (2006.01)
CPC G06Q 20/401 (2013.01) [G06Q 20/0425 (2013.01); G06Q 20/108 (2013.01); G06Q 20/30 (2013.01); H04L 9/3247 (2013.01); H04L 2209/56 (2013.01)] 19 Claims
OG exemplary drawing
 
1. A system for implementing and augmenting a digital transfer instrument comprising a computing device that comprises an integrated display device, transitory memory, and a non-transitory memory storage device storing integrated software applications that, when executed, perform operations comprising:
displaying an augmentation graphical user interface (GUI) on the integrated display device, wherein the augmentation GUI comprises one or more augmentation input functions selectable by an end user to generate augmentation input data;
accepting augmentation input data that is input by the end user;
loading augmentation settings data comprising a digital signature into the transitory memory, wherein the augmentation settings data is either retrieved from the non-transitory storage device or received from a remote computing device;
activating a camera in signal communication with the computing device, wherein the camera generates source image data that comprises a transfer instrument image;
converting augmentation input data and augmentation settings data into augmentation image data that is configured to display an electronic augmentation on the transfer instrument image, wherein the electronic augmentation comprises an augmentation pixel matrix;
executing a placement analysis using the source image data to generate augmentation placement data, that corresponds to a location for the placement of the electronic augmentation on the transfer instrument image, wherein the placement analysis comprises the steps of
converting the source image data to black and white pixels with each pixel having a pixel coordinate position and a brightness value,
segmenting the source image data into one or more regions,
detecting boundary edges of the transfer instrument image by detecting changes in pixel brightness values above a brightness value threshold,
processing the transfer instrument image to detect one or more dataset arrays identifying clusters of pixels,
feeding the one or more dataset arrays to a cluster extraction analysis to identify a marking character or a marking feature within the transfer instrument image,
selecting an augmentation starting point that is a distance from the marking character or marking feature that permits placement of the electronic augmentation such that the augmentation pixel matrix does not overlap with the marking character or marking feature; and
displaying the source image data and the augmentation image data on the integrated display device, wherein the electronic augmentation is overlaid on the transfer instrument image at a location corresponding to the augmentation placement data.