AR Headset ATM Transaction Privacy via Wireless Intermediary

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Solution Overview

Problem

Conventional ATMs lack secure methods for conducting financial transactions, as personal and confidential information is displayed on the ATM screen, making it vulnerable to unauthorized viewing, and there is a need for enhanced security measures to identify wanted individuals in banking and retail environments.

Innovation Solution

An augmented reality (AR) electronic device establishes a wireless connection with an ATM, allowing user authentication and initiation of financial transactions on the AR device, displaying financial information only on the AR screen, and synchronizing with security systems to alert security personnel of potential threats.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If financial information is displayed on the ATM screen, then transaction information is visible to users, but security is compromised due to unauthorized viewing by bystanders

Engineering Contradiction:
Improvetransaction securityVSAvoidunauthorized viewing of financial information
Core Design Contradiction:
ReliabilityVSObject-affected harmful factors

Solution Approach 1:

The patent introduces an augmented reality headset as an intermediary device between the user and the ATM. The headset displays financial information privately to the user through augmented reality, while the ATM screen displays only generic transaction confirmations. This mediator prevents bystanders from viewing sensitive information while still providing complete transaction details to the authorized user.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent applies local quality by differentiating the information display quality for different users. The ATM screen shows generic, non-sensitive information visible to all, while the AR headset provides personalized, sensitive financial information exclusively to the authenticated user. This localized information delivery ensures security while maintaining usability.

Inventive Principle:
Principle #3Local quality

2Reliability

If user authentication is performed at the ATM, then secure access is achieved, but user convenience is reduced due to requiring physical presence at the ATM

Engineering Contradiction:
Improveauthentication securityVSAvoiduser convenience
Core Design Contradiction:
ReliabilityVSEase of operation

Solution Approach 1:

The patent implements preliminary authentication where the user authenticates with the ATM system before physically approaching the machine. The AR headset establishes a wireless connection with the ATM and completes authentication procedures in advance, allowing the user to initiate transactions remotely and only need to be physically present for cash dispensing or card retrieval.

Inventive Principle:
Principle #10Preliminary action

3Reliability

If AR headset displays financial information privately, then security is improved, but device complexity increases due to wireless connection and authentication systems

Engineering Contradiction:
Improveinformation securityVSAvoidAR device system complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The patent leverages the universality of modern AR headsets that already possess wireless communication capabilities, processing power, and display functions. By utilizing these existing multi-functional capabilities, the system can handle authentication, information display, and transaction management without requiring entirely new specialized hardware, thereby managing complexity while achieving security goals.

Inventive Principle:
Principle #6Universality (Multi-functionality)

Data Source

PatentUS11276062B1Augmented reality security applications
Publication Date: 2022.03.15 WELLS FARGO BANK NA
  • US11276062B1 patent drawing
  • US11276062B1 patent drawing
  • US11276062B1 patent drawing

AI summary

A method implemented on an augmented reality electronic device includes establishing a wireless connection with an automated teller machine (ATM). The AR electronic device is used to authenticate a user of the AR electronic device at the ATM. An initiation is permitted of a financial transaction through user interface functionality for the ATM that is displayed on the AR electronic device. Financial information for the financial transaction is displayed on a display screen of the AR electronic device, instead of displaying the financial information at the ATM.