US 12,086,768 B2
Digital check disbursement using point of sale devices
George Albero, Charlotte, NC (US); Maharaj Mukherjee, Poughkeepsie, NY (US); and Benjamin D. Moores, Ventura, CA (US)
Assigned to Bank of America Corporation, Charlotte, NC (US)
Filed by Bank of America Corporation, Charlotte, NC (US)
Filed on Apr. 14, 2022, as Appl. No. 17/720,873.
Prior Publication US 2023/0334442 A1, Oct. 19, 2023
Int. Cl. G06Q 20/04 (2012.01); G06K 7/14 (2006.01); G06K 19/06 (2006.01); G06Q 20/20 (2012.01); G06Q 20/32 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/0425 (2013.01) [G06K 7/1417 (2013.01); G06K 19/06037 (2013.01); G06Q 20/204 (2013.01); G06Q 20/3274 (2013.01); G06Q 20/40145 (2013.01); G06Q 20/4015 (2020.05); G06Q 20/407 (2013.01)] 19 Claims
OG exemplary drawing
 
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:
receive a check image from a user device, wherein the check image depicts a check from an initial payor to a recipient user corresponding to the user device;
configure, based on the check image, 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 comprises generating a quick response (QR) code representative of the check, and wherein configuring the digital check further comprises 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 including the QR code, 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.