The Toronto-Dominion Bank

Anthony Wayne Miles

A Warren Pratten

Vincent Fazio

James Kenneth McCrae

Ratnadeep Bhadra

Graham Allan Anderson

Tristan Rodzen

Robert John Farmer

Chico Chi-Kuo Lam

Giovanni Favretto

David H Schleicher

Nigel John Shipley

Vikram Malhotra

James Kenneth Mccrae

An automated teller machine comprises a communications module; an image module; a processor; and a memory coupled to the processor storing instructions that, when executed by the processor, configure the processor to receive a first cheque for deposit; engage the image module to capture an image of the first cheque; send, via the communications module and to a server computer system, a signal that includes the image of the first cheque for acceptance; send, via the communications module and to an automated teller machine switch, a signal that includes a request for transaction authorization approval based on the first cheque; receive, via the communications module and from the server computer system, a signal that includes an indication of acceptance of the image of the first cheque; receive, via the communications module and from the automated teller machine switch, a signal that includes an indication of approval of the request for the transaction authorization based on the first cheque; and responsive to receiving the signal that includes the indication of acceptance of the image of the first cheque and the signal that includes the indication of approval of the request for the transaction authorization, return the first cheque.

System and method for real-time cheque processing and return at an automated teller machine

A computer-implemented method is disclosed. The method includes: determining a current configuration of at least one cassette loaded into an automated teller machine; and automatically configuring one or more user interface settings of the automated teller machine based on the current configuration of the at least one cassette.

System and method for configuring an automated teller machine user interface based on loaded cassettes

A computer-implemented method is disclosed. The method includes: detecting, by an automated teller machine, a trigger event; in response to detecting the trigger event, determining a current configuration of at least one cassette loaded into the automated teller machine; automatically configuring one or more user interface settings of the automated teller machine based on the current configuration of the at least one cassette; and presenting a user interface based on the one or more user interface settings.

An automated teller machine includes a processor, a wireless communications module, a cash dispenser, and a memory. The memory stores instructions that, when executed by the processor, cause the automated teller machine to detect, using the wireless communications module, that an authentication token capable of wireless communication has been brought into communications range of the module and communicate with the authentication token to cryptographically authenticate the token and to receive information identifying an account associated with the token. Then, without receiving user-input providing a second authentication factor the automated teller machine initiates processing of a withdrawal of a specified quantity of cash from the account. The processing of the withdrawal includes determining, based on an automated assessment of compliance with one or more policies, that the withdrawal is executable without further authentication. The automated teller machine then dispenses, using the cash dispenser, the specified quantity of cash.

Automated teller machine providing withdrawals with a single authentication factor

Growing community of inventors

London, Canada

Anthony Wayne Miles