The Toronto-dominion Bank

Ratnadeep Bhadra

A Warren Pratten

James Kenneth McCrae

Dino Paul D'Agostino

Martin Albert Lozon

Randall Walton Martin

Graham Allan Anderson

Anthony Wayne Miles

Vincent Fazio

Vikram Malhotra

Dino Paul D'agostino

James Kenneth Mccrae

A computer system for automatically handling and releasing funds for deposit items has a memory storing instructions that, when executed by a processor, cause the system to receive an image of a cheque received and scanned by an automated teller machine (ATM) for deposit into a first account of an institution associated with the ATM. The scanned image of the cheque is analyzed to identify an institution and account on which that cheque is drawn. If that account has sufficient available funds to cover the cheque, then the first account is credited in the amount of the cheque without placing a hold on any of the credited amount and funds of the account on which the cheque is drawn are encumbered in that same amount. After crediting the first account, an indication is provided that the funds are available (e.g., to withdraw). Related methods and computer-readable media are also disclosed.

System and method for automated deposit item handling

A computer system for recycling value instruments in an automated teller machine has a memory storing instructions that, when executed by a processor, cause the system to receive an image of a value instrument obtained by an automated teller machine for deposit. The image of the value instrument is analyzed to determine its condition. Then, based on the condition of the value instrument, it may be determined that the value instrument is suitable for recycling to fulfill withdrawals. Upon determining that the value instrument is suitable for recycling to fulfill withdrawals, recycling of the value instrument by the automated teller machine is initiated and an indication reflecting the recycling is generated so as to influence when a next servicing of the automated teller machine will occur. Related methods and computer-readable media are also disclosed.

Recycling value instruments in an automated teller machine

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

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Oakville, Canada

Ratnadeep Bhadra