US 12,443,929 B2
Check-based initiation of electronic transfers
Milos Dunjic, Oakville (CA); David Samuel Tax, Toronto (CA); and Vipul Kishore Lalka, Oakville (CA)
Assigned to THE TORONTO-DOMINION BANK, Toronto (CA)
Filed by The Toronto-Dominion Bank, Toronto (CA)
Filed on Sep. 23, 2021, as Appl. No. 17/482,581.
Prior Publication US 2023/0086321 A1, Mar. 23, 2023
Int. Cl. G06Q 20/04 (2012.01); G06Q 20/32 (2012.01); G06V 30/416 (2022.01); G06V 30/19 (2022.01)
CPC G06Q 20/0425 (2013.01) [G06Q 20/047 (2020.05); G06Q 20/3255 (2013.01); G06V 30/416 (2022.01); G06V 30/19007 (2022.01)] 21 Claims
OG exemplary drawing
 
1. A resource management server comprising:
one or more processors;
a communications module coupled to the one or more processors; and
a memory module coupled to the one or more processors and storing instructions that, when executed by the one or more processors, cause the resource management server to:
authenticate, using account information associated with a transferor entity and maintained by the resource management server, a client device associated with the transferor entity;
receive, via the communications module included in the resource management server and from the authenticated client device associated with the transferor entity, an image representing a paper-based check for transferring value from the transferor entity and captured using an image capture device of the client device, the paper-based check including a recipient field defining an email address identifying an intended recipient of the paper-based check and a memo line field defining a set of security characters;
extract, by the resource management server using a document management application applying optical character recognition, data from a portion of the image;
identify the email address and the set of security characters based on the extracted data;
initiate an electronic transfer by using the email address and the communications module included in the resource management server to send a transfer message from the resource management server to the email address; and
complete the electronic transfer using the set of security characters.