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

Patent metadata

Field	Value
Publication number	US-11875398-B2
Application number	US-202217692331-A
Country	US
Kind code	B2
Filing date	Mar 11, 2022
Priority date	Mar 11, 2022
Publication date	Jan 16, 2024
Grant date	Jan 16, 2024

Abstract

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.

First claim

What is claimed is:

1. An automated teller machine comprising:
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;
responsive to receiving the signal that includes the indication of acceptance of the image of the first cheque, mark the first cheque with a first identifier indicating image acceptance;
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.

2. The automated teller machine of claim 1 , wherein the instructions, when executed by the processor, further configure the processor to:
responsive to receiving the signal that includes the indication of approval of the request for the transaction authorization, mark the first cheque with a second identifier indicating transaction approval.

3. The automated teller machine of claim 1 , wherein the instructions, when executed by the processor, further configure the processor to:
receive a second cheque for deposit;
engage the image module to capture an image of the second cheque;
send, via the communications module and to the server computer system, a signal that includes the image of the second cheque for acceptance;
send, via the communications module and to the automated teller machine switch, a signal that includes a request for transaction authorization approval based on the second cheque;
receive, via the communications module and from the server computer system, a signal that includes an indication of rejection of the image of the second cheque;
send, via the communications module and to the automated teller machine switch, a signal that includes a request to cancel or reverse the transaction authorization approval based on the second cheque; and
return the second cheque.

4. The automated teller machine of claim 3 , wherein the instructions, when executed by the processor, further configure the processor to:
responsive to receiving the signal that includes the indication of rejection of the image of the second cheque, mark the second cheque with a third identifier indicating image rejection.

5. The automated teller machine of claim 1 , wherein the instructions, when executed by the processor, further configure the processor to:
receive a third cheque for deposit;
engage the image module to capture an image of the third cheque;
send, via the communications module and to the server computer system, a signal that includes the image of the third cheque for acceptance;
send, via the communications module and to the automated teller machine switch, a signal that includes a request for transaction authorization approval based on the third cheque;
determine that sending, via the communications module and to the server computer system, the signal that includes the image of the third cheque has timed out;
send, via the communications module and to the automated teller machine switch, a signal that includes a request to cancel or reverse the transaction authorization approval based on the third cheque; and
return the third cheque.

6. The automated teller machine of claim 5 , wherein the instructions, when executed by the processor, further configure the processor to:
responsive to determining that sending the signal that includes the image of the third cheque has timed out, mark the third cheque with a fourth identifier indicating image failure.

7. The automated teller machine of claim 1 , wherein the instructions, when executed by the processor, further configure the processor to:
receive a fourth cheque for deposit;
engage the image module to capture an image of the fourth cheque;
send, via the communications module and to the server computer system, a signal that includes the image of the fourth cheque for acceptance;
send, via the communications module and to the automated teller machine switch, a signal that includes a request for transaction authorization approval based on the fourth cheque;
receive, via the communications module and from the automated teller machine switch, a signal that includes an indication of rejection or failure of the request for the transaction authorization based on the fourth cheque;
send, via the communications module and to server computer system, a signal that includes a request to cancel acceptance of the image of the fourth cheque; and
return the fourth cheque.

8. The automated teller machine of claim 7 , wherein the instructions, when executed by the processor, further configure the processor to:
responsive to receiving the signal that includes the indication of rejection or failure of the request for the transaction authorization based on the fourth cheque, mark the fourth cheque with a fifth identifier indicating rejection or failure of the request for the transaction authorization.

9. The automated teller machine of claim 1 , wherein when capturing the image of the first cheque, the instructions, when executed by the processor, further configure the processor to:
engage an optical character recognition module to obtain metadata associated with the first cheque, wherein the signal that includes the image of the first cheque includes the metadata.

10. A computer-implemented method executed by a processor of an automated teller machine, the method comprising:
receiving a first cheque for deposit;
engaging an image module to capture an image of the first cheque;
sending, via a communications module and to a server computer system, a signal that includes the image of the first cheque for acceptance;
sending, 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;
receiving, 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;
responsive to receiving the signal that includes the indication of acceptance of the image of the first cheque, marking the first cheque with a first identifier indicating image acceptance;
receiving, 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, returning the first cheque.

11. The computer-implemented method of claim 10 , further comprising:
responsive to receiving the signal that includes the indication of approval of the request for the transaction authori

Assignees

• Toronto Dominion Bank

Inventors

• Pratten A Warren
• Miles Anthony Wayne
• Anderson Graham Allan
• Rodzen Tristan
• Schleicher David H
• Farmer Robert John
• Favretto Giovanni
• Lam Chico Chi-Kuo

Classifications

• G06Q40/02 Primary

  Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) · CPC title

• G06Q20/1085

  involving automatic teller machines [ATMs] · CPC title

• G07F19/202

  Depositing operations within ATMs (depositing in general G07D11/00) · CPC title

• G07F19/20

  Automatic teller machines [ATMs] · CPC title

• G06Q20/042

  characterized in that the payment protocol involves at least one cheque · CPC title