Patents by Inventor A. Warren PRATTEN
A. Warren PRATTEN has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Publication number: 20240087010Abstract: 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 rType: ApplicationFiled: November 23, 2023Publication date: March 14, 2024Applicant: The Toronto-Dominion BankInventors: A. Warren PRATTEN, Anthony Wayne MILES, Graham Allan ANDERSON, Tristan RODZEN, David H. SCHLEICHER, Robert John FARMER, Giovanni FAVRETTO, Chico Chi-Kuo LAM
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Patent number: 11875398Abstract: 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 rType: GrantFiled: March 11, 2022Date of Patent: January 16, 2024Assignee: The Toronto-Dominion BankInventors: A. Warren Pratten, Anthony Wayne Miles, Graham Allan Anderson, Tristan Rodzen, David H. Schleicher, Robert John Farmer, Giovanni Favretto, Chico Chi-Kuo Lam
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Publication number: 20230394450Abstract: A server computer system comprises a communications module; a processor coupled to the communications module; and a memory coupled to the processor, the memory storing processor-executable instructions which, when executed, configure the processor to obtain, via the communications module, automated teller machine session data; generate a first checksum based on at least the automated teller machine session data; and store the first checksum and the automated teller machine session data in a database.Type: ApplicationFiled: August 9, 2022Publication date: December 7, 2023Applicant: The Toronto-Dominion BankInventors: A. Warren PRATTEN, Graham Allan ANDERSON, Anthony Wayne MILES
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Publication number: 20230360500Abstract: 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.Type: ApplicationFiled: July 14, 2023Publication date: November 9, 2023Applicant: The Toronto-Dominion BankInventors: A Warren PRATTEN, Randall Walton MARTIN, Martin Albert LOZON, Graham Allan ANDERSON, Ratnadeep BHADRA, James Kenneth MCCRAE, Dino Paul D'AGOSTINO
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Publication number: 20230289874Abstract: 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 rType: ApplicationFiled: March 11, 2022Publication date: September 14, 2023Applicant: The Toronto-Dominion BankInventors: A. Warren PRATTEN, Anthony Wayne MILES, Graham Allan ANDERSON, Tristan RODZEN, David H. SCHLEICHER, Robert John FARMER, Giovanni FAVRETTO, Chico Chi-Kuo LAM
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Patent number: 11756388Abstract: 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.Type: GrantFiled: September 10, 2021Date of Patent: September 12, 2023Assignee: The Toronto-Dominion BankInventors: A Warren Pratten, Randall Walton Martin, Martin Albert Lozon, Graham Allan Anderson, Ratnadeep Bhadra, James Kenneth McCrae, Dino Paul D'Agostino
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Publication number: 20230252973Abstract: A self-service system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to determine that a text-to-speech audio stream is to be sent to a mobile device; initiate a trusted session between the self-service system and the mobile device; engage a text-to-speech module to convert text displayed on a display screen of the self-service system to the text-to-speech audio stream; and send, via the communications module and to the mobile device, a signal that includes the text-to-speech audio stream.Type: ApplicationFiled: February 10, 2022Publication date: August 10, 2023Applicant: The Toronto-Dominion BankInventors: Warren A. PRATTEN, Graham Allan ANDERSON
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Patent number: 11393299Abstract: 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.Type: GrantFiled: September 30, 2021Date of Patent: July 19, 2022Assignee: The Toronto-Dominion BankInventors: A Warren Pratten, Vincent Fazio, Anthony Wayne Miles, Nigel John Shipley
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Publication number: 20220020245Abstract: 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.Type: ApplicationFiled: September 30, 2021Publication date: January 20, 2022Applicant: The Toronto-Dominion BankInventors: A Warren PRATTEN, Vincent FAZIO, Anthony Wayne MILES, Nigel John SHIPLEY
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Publication number: 20210407258Abstract: 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.Type: ApplicationFiled: September 10, 2021Publication date: December 30, 2021Applicant: The Toronto-Dominion BankInventors: A Warren PRATTEN, Randall Walton MARTIN, Martin Albert LOZON, Graham Allan ANDERSON, Ratnadeep BHADRA, James Kenneth MCCRAE, Dino Paul D'AGOSTINO
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Patent number: 11210505Abstract: 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.Type: GrantFiled: June 26, 2020Date of Patent: December 28, 2021Assignee: The Toronto-Dominion BankInventors: A Warren Pratten, Randall Walton Martin, Martin Albert Lozon, Graham Allan Anderson, Ratnadeep Bhadra, James Kenneth McCrae, Dino Paul D'Agostino
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Patent number: 11151846Abstract: 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.Type: GrantFiled: June 5, 2020Date of Patent: October 19, 2021Assignee: The Toronto-Dominion BankInventors: A Warren Pratten, Vincent Fazio, Anthony Wayne Miles, Nigel John Shipley
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Patent number: 11145169Abstract: 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.Type: GrantFiled: September 12, 2018Date of Patent: October 12, 2021Assignee: The Toronto-Dominion BankInventors: A Warren Pratten, Randall Walton Martin, Martin Albert Lozon, Graham Allan Anderson, Ratnadeep Bhadra, James Kenneth Mccrae, Dino Paul D'Agostino
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Publication number: 20210304570Abstract: 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.Type: ApplicationFiled: June 5, 2020Publication date: September 30, 2021Applicant: The Toronto-Dominion BankInventors: A. Warren PRATTEN, Vincent FAZIO, Anthony Wayne MILES, Nigel John SHIPLEY
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Patent number: 11043084Abstract: 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.Type: GrantFiled: February 13, 2020Date of Patent: June 22, 2021Assignee: The Toronto-Dominion BankInventors: A Warren Pratten, Anthony Wayne Miles, Vikram Malhotra, Ratnadeep Bhadra, James Kenneth McCrae, Vincent Fazio
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Publication number: 20200327318Abstract: 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.Type: ApplicationFiled: June 26, 2020Publication date: October 15, 2020Applicant: The Toronto-Dominion BankInventors: A Warren PRATTEN, Randall Walton MARTIN, Martin Albert LOZON, Graham Allan ANDERSON, Ratnadeep BHADRA, James Kenneth MCCRAE, Dino Paul D'AGOSTINO
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Publication number: 20200258355Abstract: 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.Type: ApplicationFiled: February 13, 2020Publication date: August 13, 2020Applicant: The Toronto-Dominion BankInventors: A Warren PRATTEN, Anthony Wayne MILES, Vikram MALHOTRA, Ratnadeep BHADRA, James Kenneth MCCRAE, Vincent FAZIO
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Patent number: 10733432Abstract: 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.Type: GrantFiled: September 24, 2018Date of Patent: August 4, 2020Assignee: The Toronto-Dominion BankInventors: A Warren Pratten, Randall Walton Martin, Martin Albert Lozon, Graham Allan Anderson, Ratnadeep Bhadra, James Kenneth McCrae, Dino Paul D'Agostino
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Publication number: 20200111085Abstract: A computer-implemented method for providing dynamic foreign exchange includes receiving an indication of a number associated with a card used to access an automated teller machine. A portion of the number identifying an issuer of the card may be extracted. Based on the issuer of the card, it may be determined that dynamic foreign exchange should be offered for a transaction. Then, a request may be sent to a foreign exchange rate service device for a dynamically-determined foreign exchange rate quote, the quote to be provided to the automated teller machine. An indication that the quoted rate was accepted at the automated teller machine may be received and then the transaction may be processed with foreign exchange provided at the quoted rate by an entity associated with the foreign exchange rate service device. Related systems and computer-readable media are also disclosed.Type: ApplicationFiled: October 4, 2018Publication date: April 9, 2020Applicant: The Toronto-Dominion BankInventors: A Warren PRATTEN, Vincent FAZIO, Anthony Wayne MILES, Vikram MALHOTRA, Ratnadeep BHADRA, James Kenneth MCCRAE
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Patent number: 10607455Abstract: 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.Type: GrantFiled: February 13, 2019Date of Patent: March 31, 2020Assignee: The Toronto-Dominion BankInventors: A Warren Pratten, Anthony Wayne Miles, Vikram Malhotra, Ratnadeep Bhadra, James Kenneth McCrae, Vincent Fazio