Virtual Teller Check Unique Pattern Security

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Solution Overview

Problem

Existing virtual teller check systems lack enhanced security features to prevent counterfeiting, which is a concern for transactions that require additional protection.

Innovation Solution

The implementation of a virtual teller check system that includes a unique pattern or picture generated based on user or check data, which serves as an enhanced security feature to validate the check and prevent counterfeiting.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If traditional virtual teller checks are used, then the system is simple and easy to implement, but security against counterfeiting is insufficient

Engineering Contradiction:
Improvesecurity against counterfeitingVSAvoidsystem complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The patent applies the copying principle by creating a virtual teller check that is a digital replica of a physical check. The system generates a virtual check image that can be transmitted and stored electronically, replacing the need for physical check handling while maintaining the fundamental check functionality. This digital copy approach enables enhanced security features without the complexity of physical security infrastructure.

Inventive Principle:
Principle #26Copying

Solution Approach 2:

The patent incorporates color changes as a security feature by including a color-shifting element in the virtual check design. This element changes color when viewed from different angles or under different lighting conditions, making it difficult for counterfeiters to replicate accurately. The color-shifting feature is integrated into the virtual check image, allowing authentication without physical manipulation.

Inventive Principle:
Principle #32Color changes

2Reliability

If enhanced security features like unique patterns are added, then counterfeiting prevention improves, but the complexity of generating and validating checks increases

Engineering Contradiction:
Improvevalidation accuracyVSAvoidpattern generation and validation complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The patent applies asymmetry by incorporating a unique, irregular pattern into the virtual check that is difficult to replicate. The pattern includes asymmetric geometric shapes and non-repeating designs that vary for each check, making them ideal for authentication. The asymmetric pattern is embedded in the virtual check image and serves as a key authentication feature that validates the check's authenticity.

Inventive Principle:
Principle #4Asymmetry

Solution Approach 2:

The patent implements preliminary action by pre-generating and storing the unique pattern and color-shifting elements in the virtual check before the check is issued. The authentication data and pattern characteristics are prepared in advance and embedded in the virtual check image, so that validation can be performed quickly without complex real-time calculations. This preliminary preparation reduces the complexity of the validation process while maintaining high security standards.

Inventive Principle:
Principle #10Preliminary action

Data Source

PatentUS12291052B1Virtual teller check system
Publication Date: 2025.05.06 UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
  • US12291052B1 patent drawing
  • US12291052B1 patent drawing
  • US12291052B1 patent drawing

AI summary

Embodiments are described herein for a teller check that includes enhanced security features. In response to a request from a user, a teller check image is generated using a check template and that includes check information in fields of the check template. The teller check also includes a unique visible pattern or unique visible picture in the image that serves as an enhanced security feature. A captured image or received image of the teller check is able to be verified based on data extracted from the unique visible pattern or unique visible picture.