Device for generating a resource distribution document with physical authentication markers

• US 10,122,889 B1
• Filed: 05/08/2017
• Issued: 11/06/2018
• Est. Priority Date: 05/08/2017
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Kurian, Manu Jacob, Castinado, Joseph Benjamin
• Primary Examiner(s): Nguyen, Madelein T
• Application Number:
  US15/588,801
• Publication Number:
  US 20180324321A1
• Time in Patent Office: 547 Days
• Field of Search: None
• CPC Class Codes: G06F 3/1204 resulting in reduced user or operator actions, e.g. presetting, automatic actions, using hardware token storing data
• CPC Class Codes: G06F 3/1239 Restricting the usage of resources, e.g. usage or user levels, credit limit, consumables, special fonts
• CPC Class Codes: G06F 3/1292 Mobile client, e.g. wireless printing
• CPC Class Codes: G06K 15/02 using printers
• CPC Class Codes: G06K 15/1806 Receiving job control commands
• CPC Class Codes: G06K 15/4095 Secure printing computer driven secure printing G06F3/1238
• CPC Class Codes: G07D 7/12 Visible light, infrared or ultraviolet radiation
• CPC Class Codes: G07D 7/206 Matching template patterns
• CPC Class Codes: H04N 1/00408 Display of information to the user, e.g. menus
• CPC Class Codes: H04N 1/32267 combined with processing of the image
• CPC Class Codes: H04N 2201/0034 Details of the connection, e.g. connector, interface
• CPC Class Codes: H04N 2201/327 which are undetectable to the naked eye, e.g. embedded codes

Abstract

Embodiments of the invention are directed to a device that physically imprints a paper resource distribution document for verification and authenticity purposes. In this way, the device links to a user network and associates with resource distributions available for the user. Upon authorization of the user into the device, the device may receive input from a user, including an amount for the paper resource distribution document. Upon receiving the information from the user, the device activates and prints a resource distribution document with at least a portion of the paper resource distribution document printed with dimpled or embossed characters. As such, the dimpled or embossed character recognition at distribution of the resource distribution document confirms the paper resource distribution document'"'"'s authenticity.

Claims

1. A system for generating resource distribution documents, the system comprising a physical authentication marker device comprising:

a memory device with computer-readable program code stored thereon;

a communication device;

a printing device for printing the resource distribution documents;

a processing device operatively coupled to the memory device and the communication device, wherein the processing device is configured to execute the computer-readable program code to;

link via a wireless network the physical authentication marker device to internet enabled user devices upon deployment of the physical authentication marker device;

associate user resource distribution accounts to the physical authentication marker device and store the accounts in the memory device;

require an authentication from the user to access the physical authentication marker device, wherein the authentication is performed from one of the user devices and communicated to the physical authentication marker device;

allow user input of information for resource distribution document generation upon authorized authentication;

receive user input of information and confirm request for resource distribution document generation;

generate and print resource distribution document based on input of information, wherein generating and printing the resource distribution document comprises manipulating a printing medium via dimples or embossment of characters associated with the information on the printing medium for an authenticated formed printed resource distribution document;

generate authenticity of the paper resource distribution document by printing a portion of the paper resource distribution document with dots that confirm the authenticity; and

store an image of the generated paper resource distribution document for reconciliation.

2. The system of claim 1, further comprising:

receiving an indication from a receiving entity that the generated resource distribution document was provided to the receiving entity;

confirming authentication of resource distribution document;

allowing receiving party to post resource distribution document based on confirmation of authentication; and

receiving communication from receiving party of posting of resource distribution document for reconciliation at the physical authentication marker device.

3. The system of claim 1, further comprising encoding the resource distribution document with printed encoding of information from the resource distribution document for a receiving party to decode for confirmation of information on the resource distribution document.

4. The system of claim 1, wherein the authentication from the user to access the physical authentication marker device further comprises authenticating the user into the physical authentication marker device using authentication requirements from one or more applications associated with accessing user resource distribution accounts.

5. The system of claim 1, wherein allowing user input of information for resource distribution document generation upon authorized authentication, further comprises allowing the user to input the information on a mobile device that is linked to the physical authentication marker device via a wireless network, wherein the information comprises an account, a payee, a date, a remittance date, and an amount for resource distribution.

6. The system of claim 1, wherein allowing user input of information for resource distribution document generation upon authorized authentication, further comprises allowing the user to input the information directly on the physical authentication marker device via an interface associated with the physical authentication marker device, wherein the information comprises an account, a payee, a date, a remittance date, and an amount for resource distribution.

7. The system of claim 1, wherein user resource distribution accounts comprise one or more accounts across multiple entities that allow for user transfer of resources via paper resource distribution documents to a separate third party.

8. The system of claim 1, wherein dimpling or embossing further comprises dimpling or embossing characters of the resource distribution document including a payee and an amount, wherein the dimpling or embossing occurs to at least a portion of the characters or an outline of the characters such as to identify the characters via a dimpling or embossing pattern and wherein ink is further applied to the dimpling or embossing associated with the information.

9. The system of claim 1, wherein the printing medium comprises blank paper or a blank check.

10. A computer program product for generating resource distribution documents, the system comprising a physical authentication marker device with at least one non-transitory computer-readable medium having computer-readable program code portions embodied therein, the computer-readable program code portions comprising:

an executable portion configured for linking via a wireless network the physical authentication marker device to internet enabled user devices upon deployment of the physical authentication marker device;

an executable portion configured for associating user resource distribution accounts to the physical authentication marker device and store the accounts in the memory device;

an executable portion configured for requiring an authentication from the user to access the physical authentication marker device, wherein the authentication is performed from one of the user devices and communicated to the physical authentication marker device;

an executable portion configured for allowing user input of information for resource distribution document generation upon authorized authentication;

an executable portion configured for receiving user input of information and confirm request for resource distribution document generation;

an executable portion configured for generating and printing resource distribution document based on input of information, wherein generating and printing the resource distribution document comprises manipulating a printing medium via dimples or embossment of characters associated with the information on the printing medium for an authenticated formed printed resource distribution document;

an executable portion configured for generating authenticity of the paper resource distribution document by printing a portion of the paper resource distribution document with dots that confirm the authenticity; and

an executable portion configured for storing an image of the generated paper resource distribution document for reconciliation.

11. The computer program product of claim 10, further comprising:

an executable portion configured for receiving an indication from a receiving entity that the generated resource distribution document was provided to the receiving entity;

an executable portion configured for confirming authentication of resource distribution document;

an executable portion configured for allowing receiving party to post resource distribution document based on confirmation of authentication; and

an executable portion configured for receiving communication from receiving party of posting of resource distribution document for reconciliation at the physical authentication marker device.

12. The computer program product of claim 10, further comprising an executable portion configured for encoding the resource distribution document with printed encoding of information from the resource distribution document for a receiving party to decode for confirmation of information on the resource distribution document.

13. The computer program product of claim 10, wherein the authentication from the user to access the physical authentication marker device further comprises authenticating the user into the physical authentication marker device using authentication requirements from one or more applications associated with accessing user resource distribution accounts.

14. The computer program product of claim 10, wherein allowing user input of information for resource distribution document generation upon authorized authentication, further comprises allowing the user to input the information on a mobile device that is linked to the physical authentication marker device via a wireless network, wherein the information comprises an account, a payee, a date, a remittance date, and an amount for resource distribution.

15. The computer program product of claim 10, wherein allowing user input of information for resource distribution document generation upon authorized authentication, further comprises allowing the user to input the information directly on the physical authentication marker device via an interface associated with the physical authentication marker device, wherein the information comprises an account, a payee, a date, a remittance date, and an amount for resource distribution.

16. The computer program product of claim 10, wherein user resource distribution accounts comprise one or more accounts across multiple entities that allow for user transfer of resources via paper resource distribution documents to a separate third party.

17. The computer program product of claim 10, wherein dimpling or embossing further comprises dimpling or embossing characters of the resource distribution document including a payee and an amount, wherein the dimpling or embossing occurs to at least a portion of the characters or an outline of the characters such as to identify the characters via a dimpling or embossing pattern and wherein ink is further applied to the dimpling or embossing associated with the information.

18. A computer-implemented method for generating resource distribution documents including a physical authentication marker device, the method comprising:

providing a computing system comprising a computer processing device and a non-transitory computer readable medium, where the computer readable medium comprises configured computer program instruction code, such that when said instruction code is operated by said computer processing device, said computer processing device performs the following operations;

linking via a wireless network the physical authentication marker device to internet enabled user devices upon deployment of the physical authentication marker device;

associating user resource distribution accounts to the physical authentication marker device and store the accounts in the memory device;

requiring an authentication from the user to access the physical authentication marker device, wherein the authentication is performed from one of the user devices and communicated to the physical authentication marker device;

allowing user input of information for resource distribution document generation upon authorized authentication;

receiving user input of information and confirm request for resource distribution document generation;

generating and printing resource distribution document based on input of information, wherein generating and printing the resource distribution document comprises manipulating a printing medium via dimples or embossment of characters associated with the information on the printing medium for an authenticated formed printed resource distribution document;

generating authenticity of the paper resource distribution document by printing a portion of the paper resource distribution document with dots that confirm the authenticity; and

storing an image of the generated paper resource distribution document for reconciliation.

19. The computer-implemented method of claim 18, further comprising:

receiving an indication from a receiving entity that the generated resource distribution document was provided to the receiving entity;

confirming authentication of resource distribution document;

allowing receiving party to post resource distribution document based on confirmation of authentication; and

receiving communication from receiving party of posting of resource distribution document for reconciliation at the physical authentication marker device.

20. The computer-implemented method of claim 18, further comprising encoding the resource distribution document with printed encoding of information from the resource distribution document for a receiving party to decode for confirmation of information on the resource distribution document.