Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.

Aspects of the disclosure relate to digital check processing. A computing platform may receive, from a first recipient, a request to transfer a first portion of funds, corresponding to the first digital check image, to a second recipient account and a second portion of the funds, corresponding to the first digital check image, to a third recipient account. The computing platform may generate second and third digital check images representative of the first and second portions of the funds respectively. Based on successful validation of the second digital check image and the third digital check image, the computing platform may embed, into the second and third digital check images, a digital chip that indicates the successful validation. The computing platform may send, to the second recipient account and the third recipient account, the second and third digital check images respectively.

Aspects of the disclosure relate to digital check generation. A computing platform may receive, from a first user device, a digital check generation request, requesting a transfer of funds from an account of a first individual to an account of a second individual. The computing platform may generate, based on the digital check generation request, a first digital check, which may be traceable and configured for cancellation by the first individual prior to deposit. The computing platform may record the first digital check to a distributed ledger. The computing platform may send, to a second user device, a notification of the first digital check. The computing platform may receive, from the second user device, a check processing request requesting one of: a transfer of the first digital check, a deposit of the first digital check, or generation of a second digital check, and may proceed accordingly.

Exemplary embodiments relate to secure documents that are capable of being in an activated or deactivated state. When in the activated state, the document may be redeemable; when in the deactivated state, the document may not be redeemable. The document may be issued in the deactivated state and may require activation before being used. In order to activate the document, a user may log into an account associated with the document and scan a code printed on or embedded in the document. Using their account, the user may issue an activation command. This activation process ensures that, at the time the document is transferred, it is either in the presence of the user or the user is aware of the location of the document, and that the user wishes to authorize the transfer. Thus, even if the document is stolen or misplaced, it cannot be used without the requisite authorization.

A method may include generating, by a computing device, a first dynamic QR code comprising a plurality of QR code frames, each QR code frame transmitted at a first frequency, the plurality of QR code frames comprising non-viable QR code frame(s) and at least one viable QR code frame. The method may include displaying, by the computing device, the first dynamic QR code, the at least one viable QR code frame displayed at a first time. The method may include transmitting, by the computing device, a first pulse to a user device. The method may include capturing, by the user device at the first time and in response to receiving the first pulse, the at least one viable QR code frame. The method may include generating and displaying, by the user device, a second dynamic QR code, causing the computing device to complete a requested transaction.

Various embodiments are directed to techniques for ensuring that a negotiable instrument has not been altered between the time the instrument leaves the hands of the payor and when the check is presented for redemption by the payee by recording an image of the check in a data block in a blockchain and retrieving the image when the check is presented for redemption for comparison with the check. A match between the stored image and the check indicates that no alteration of the check has occurred.

An image of a check may be presented for payment in a banking system in place of the physical paper check. The check to be deposited can be collected from a depositor using a scanner. A web site, accessed through a depositor's web browser, can be used to drive the process of collecting the check, but in some contexts (e.g., in less popular computing environments, such as those that do not run the most popular operating systems), it is economically infeasible to obtain the certificates that would be used to allow a program executing in the web browser to control the scanner. Thus, a depositor can be instructed to capture and upload images of the check in the form of files, where the image files are then presented for payment through a banking system.

Systems, methods, and apparatuses for providing cash back to a customer from a linked ATM after a purchase transaction are described herein. A customer initiates the transactions using a payment check. A cash back amount is determined and an authentication passcode is created. Cash back information is then transmitted to the linked ATM. The cash back information includes the cash back amount and the authentication passcode. The authentication passcode is then provided to the customer. A cash back transaction is then authenticated using the authentication passcode, and the customer is provided with the cash back amount from the linked ATM.

A system for Augmented Reality (AR) document realization receivers a request to transfer an amount of an AR document into account of a receiver. The AR document comprises an AR check. The system fetches a first AR check image from a memory. The system extracts a first set of features from the first AR check image. The system receives a second AR check image from a computing device associated with the receiver. The system extracts a second set of features from the second AR check image. The system compares the first AR check image with the second AR check image. The system determines whether the first AR check image corresponds to the second AR check image. In response to determining that the first AR check image corresponds to the second AR check image, the system transfers the amount into the account of the receiver.

Systems for dynamic unauthorized activity detection are provided. In some arrangements, issue data may be received from, for instance, a customer of an enterprise organization. The issue data may include a data file containing metadata associated with a plurality of checks written or issued by the customer. As those checks are cashed, the checks may be evaluated for potential unauthorized activity. Accordingly, check data and/or check image data may be received by the enterprise organization. The check and/or check image data, as well as the metadata, may be analyzed using machine learning to determine whether unauthorized or potential unauthorized activity has occurred. Based on the determination, one or more actions may be identified and executed.