Simulator for value instrument negotiation training

Patent metadata

Field	Value
Publication number	US-12374234-B2
Application number	US-202117553093-A
Country	US
Kind code	B2
Filing date	Dec 16, 2021
Priority date	May 31, 2019
Publication date	Jul 29, 2025
Grant date	Jul 29, 2025

Abstract

A simulator for providing teaching and training related to negotiable instruments is disclosed. The provided simulation includes a simulated negotiable instrument. The simulator captures an image of a portion of an environment including a piece of printed collateral. The simulator then displays an augmented reality version of the environment. Displaying the augmented reality version of the environment includes detecting the printed collateral in the image, replacing the printed collateral in the image of the portion of the environment with an image of the negotiable instrument to yield an image depicting the portion of the environment as including the negotiable instrument, and presenting, the image depicting the portion of the environment as including the negotiable instrument. The simulator provides an indication of an outcome of a simulated negotiation of the negotiable instrument. Related methods and computer-readable media are disclosed.

First claim

What is claimed is:

1. A computer system comprising:
a processor;
an input module coupled to the processor;
an image capture module coupled to the processor;
a display module coupled to the processor; and
a memory module coupled to the processor and storing instructions that, when executed by the processor, cause the computer system to:
capture, using the image capture module, one or more images of portions of an environment including at least a portion of a printed collateral;
display an augmented reality version of the environment using the display module, wherein displaying the augmented reality version of the environment includes:
overlaying the printed collateral with an image of a first negotiable instrument to yield an image depicting a portion of the environment as including the first negotiable instrument,
presenting, using the display module, a first option to accept the first negotiable instrument for deposit and a second option to not accept the first negotiable instrument for deposit; and
receiving, via the input module, input selecting one of the first and second options; and

provide an indication of whether the selection was appropriate.

2. The computer system of claim 1 , wherein the printed collateral is a non-negotiable instrument.

3. The computer system of claim 1 , wherein the printed collateral is a brochure.

4. The computer system of claim 3 , wherein the indication of whether the selection is appropriate indicates that the first negotiable instrument should not have been accepted for deposit.

5. The computer system of claim 4 , wherein providing the indication includes presenting an indication as to whether accepting the first negotiable instrument for negotiation would further a fraud.

6. The computer system of claim 1 , wherein displaying the augmented reality version of the environment further includes:
compositing one or more images of portions of the environment captured using the image capture module with an animation.

7. The computer system of claim 1 , wherein the memory module stores further instructions that, when executed by the processor further cause the computer system to:
responsive to input received via the input module, present, using the display module, information related to a simulated account.

8. The computer system of claim 1 , wherein the first negotiable instrument is one of a check, a money order, or a draft.

9. A computer-implemented method comprising:
capturing, using an image capture module, one or more images of portions of an environment including at least a portion of the printed collateral;
displaying an augmented reality version of the environment, wherein displaying the augmented reality version of the environment includes:
overlaying the printed collateral with an image of a first negotiable instrument to yield an image depicting a portion of the environment as including the first negotiable instrument, and
presenting, using the display module, a first option to accept the first negotiable instrument for deposit and a second option to not accept the first negotiable instrument for deposit; and
receiving, via the input module, input selecting one of the first and second options; and

provide an indication of whether the selection was appropriate.

10. The computer-implemented method of claim 9 , wherein the printed collateral is a non-negotiable instrument.

11. The computer-implemented method of claim 9 , wherein the printed collateral is a brochure.

12. The computer-implemented method of claim 9 , wherein the first negotiable instrument includes one or more indicia of potential fraud.

13. The computer-implemented method of claim 12 , wherein the indication of whether the selection is appropriate indicates that the first negotiable instrument should not have been accepted for deposit.

14. The computer-implemented method of claim 13 , wherein providing the indication includes presenting an indication as to whether accepting the first negotiable instrument for negotiation would further a fraud.

15. The computer-implemented method of claim 9 , wherein displaying the augmented reality version of the environment further includes:
compositing one or more images of portions of the environment captured using the image capture module with an animation.

16. The computer-implemented method of claim 9 , further comprising:
responsive to input received via the input module, presenting information related to a simulated account.

17. The computer-implemented method of claim 9 , wherein the first negotiable instrument is one of a check, a money order, or a draft.

18. A non-transitory computer-readable storage medium storing instructions that, when executed by a processor of a computing device, cause the computing device to:
capture, using an image capture module, one or more images of portions of an environment including at least a portion of a printed collateral;
display an augmented reality version of the environment using a display module, wherein displaying the augmented reality version of the environment includes:
overlaying the printed collateral with an image of a first negotiable instrument to yield an image depicting a portion of the environment as including the first negotiable instrument; and
presenting, using the display module, a first option to accept the first negotiable instrument for deposit and a second option to not accept the first negotiable instrument for deposit; and
receiving, via the input module, input selecting one of the first and second options; and

provide an indication of whether the selection was appropriate.

19. The non-transitory computer-readable storage medium of claim 18 , wherein the printed collateral is a non-negotiable instrument.

20. The non-transitory computer-readable storage medium of claim 18 , wherein the printed collateral is a brochure.

21. The computer system of claim 1 , wherein the first negotiable instrument includes one or more indicia of potential fraud.

Assignees

• Toronto Dominion Bank

Inventors

• Navarro Miguel
• Zaidi Sadia
• Abbas Mohamed

Classifications

• G06V20/20

  in augmented reality scenes · CPC title

• G06V30/40

  Document-oriented image-based pattern recognition · CPC title

• G06F3/0482

  Interaction with lists of selectable items, e.g. menus · CPC title

• G06T19/006

  Mixed reality (object pose determination, tracking or camera calibration for mixed reality G06T7/00) · CPC title

• G06Q20/4016

  involving fraud or risk level assessment in transaction processing · CPC title