Augmented Reality ATM Interface for Contactless Transactions
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Solution Overview
Problem
ATM transactions pose security risks due to potential interference from nearby individuals and the risk of germ transmission through frequently touched buttons, necessitating a contactless and secure transaction solution that enhances user experience and safety.
Innovation Solution
A system utilizing a mobile computing device with augmented reality capabilities and NFC to authenticate users and facilitate transactions with ATMs, generating a transaction-specific device identifier and establishing a near-field communication connection for secure, contactless interactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If users interact with ATM display screens and buttons, then transaction functionality is achieved, but security risks increase due to potential interference from nearby individuals and germ transmission
Solution Approach 1:
The patent introduces a mobile computing device as an intermediary between the user and the ATM. The mobile device displays a camera interface that captures images of the ATM screen, allowing users to view and interact with transaction information without directly touching the ATM. This intermediary approach eliminates physical contact with potentially contaminated surfaces while maintaining transaction functionality through wireless communication.
Solution Approach 2:
The patent replaces the mechanical interaction system (physical buttons and screen contact) with an optical and wireless communication system. Users interact with the ATM through camera capture of display information and wireless data transmission, substituting direct mechanical contact with remote optical detection and electronic communication, thereby eliminating germ transmission risks.
2Ease of operation
If ATM buttons and controls are made accessible for easy operation, then ease of operation is improved, but hygiene deteriorates due to frequent touching by multiple users
Solution Approach 1:
The mobile computing device serves as a mediator that enables users to access ATM functionality without physical contact. The device captures images of the ATM display through its camera and transmits transaction data wirelessly, allowing users to operate the ATM from a distance while maintaining ease of use through the familiar mobile device interface.
Solution Approach 2:
The patent creates a visual copy of the ATM display information by capturing images through the mobile device's camera. Users interact with this copied visual representation rather than the original ATM interface, eliminating the need to touch physical buttons while preserving the transaction workflow and user experience.
3Reliability
If ATM transactions require physical interaction with the machine, then transaction completion is achieved, but security against shoulder surfing and interference is reduced
Solution Approach 1:
The patent substitutes mechanical interaction (touching buttons and entering data at the ATM) with optical capture and wireless communication. The mobile device's camera captures transaction information from the ATM display, and data is transmitted wirelessly, replacing direct mechanical interaction with remote electronic communication that enhances security against shoulder surfing and physical interference.
Solution Approach 2:
The patent shifts the interaction dimension from direct physical contact at the ATM to remote interaction through a mobile device. Users stand at a distance from the ATM, using the mobile device as an extended interface that captures and transmits data wirelessly, adding a spatial dimension buffer that protects against physical interference while maintaining operational capability.
Applied Scientific Principles
This section explains which scientific principles are used to turn an abstract innovation direction into a practical engineering solution.
Function Achieved in This Case
Enhances security and hygiene by allowing users to authenticate and complete transactions without physical contact, improving the functionality and safety of ATM interactions through augmented reality interfaces and NFC connections.
Implementation Method 1
techniques for establishing a near field communication (NFC) connection between a mobile computing device and an ATM
Data Source
AI summary
Aspects of the disclosure relate to providing augmented reality user interfaces for ATM transactions. In some embodiments, a computing platform may receive presence information indicating that a mobile computing device is within a predetermined distance of a first ATM at a first location, authenticate a user of the mobile computing device to an online banking account, and generate a transaction-specific device identifier that uniquely identifies the first ATM at the first location. Thereafter, the computing platform may generate and send an augmented reality user interface to the mobile computing device, prompting the user to use the mobile computing device to capture the transaction-specific device identifier. Based on verifying that the user is authorized to perform a transaction at the first ATM, the computing platform may cause an NFC connection to be established between the mobile computing device and the first ATM, via which the transaction may be conducted.