US 11,875,398 B2
System and method for real-time cheque processing and return at an automated teller machine
A. Warren Pratten, London (CA); Anthony Wayne Miles, London (CA); Graham Allan Anderson, Guelph (CA); Tristan Rodzen, Norway, ME (US); David H. Schleicher, Haddon Township, NJ (US); Robert John Farmer, Pittstown, NJ (US); Giovanni Favretto, Newmarket (CA); and Chico Chi-Kuo Lam, Markham (CA)
Assigned to The Toronto-Dominion Bank, Toronto (CA)
Filed by The Toronto-Dominion Bank, Toronto (CA)
Filed on Mar. 11, 2022, as Appl. No. 17/692,331.
Prior Publication US 2023/0289874 A1, Sep. 14, 2023
Int. Cl. G06Q 40/02 (2023.01); G06Q 20/10 (2012.01)
CPC G06Q 40/02 (2013.01) [G06Q 20/1085 (2013.01)] 20 Claims
OG exemplary drawing
 
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.