Automated Banking Machine Dual Interface Transaction Queuing
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Solution Overview
Problem
Existing automated banking machines require users to navigate complex menus and perform multiple steps for transactions, which can be time-consuming and inconvenient, especially for depositing multiple items or complex transactions.
Innovation Solution
An automated banking machine with dual user interfaces, including a touch screen and gesture recognition, allows users to queue transactions on a portable device, skip menu navigation, and visually represent deposited items for easy selection, along with videoconferencing for assistance, enabling efficient and intuitive cash withdrawals and deposits.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If users navigate complex menus and perform multiple steps for transactions, then transaction functionality is comprehensive, but transaction time and user convenience deteriorate
Solution Approach 1:
The system allows users to queue transactions on their portable devices before arriving at the ATM. The queued transaction data is then transmitted to the ATM, enabling users to skip menu navigation and proceed directly to the transaction execution phase. This preliminary action significantly reduces on-site transaction time and improves convenience.
Solution Approach 2:
The patent extracts the transaction queuing and menu navigation functions from the ATM itself and relocates them to the user's portable device. This separation allows the ATM to focus on executing transactions efficiently while the portable device handles the time-consuming preparatory steps of transaction selection and queuing.
2Adaptability or versatility
If automated banking machines provide comprehensive transaction capabilities, then device functionality is improved, but device complexity increases
Solution Approach 1:
The portable device serves as an intermediary between the user and the ATM system. It presents a simplified transaction queuing interface to the user while handling the complex communication and data transmission protocols with the ATM in the background. This mediator approach allows comprehensive transaction capabilities without exposing users to system complexity.
Solution Approach 2:
The system creates a digital copy of the transaction queue and transaction data on the portable device. This copy contains all necessary transaction information that can be transmitted to the ATM, eliminating the need for users to interact with complex ATM interfaces while maintaining full transaction functionality.
3Productivity
If users must navigate menus for each transaction step, then system control is precise, but user effort and time increase
Solution Approach 1:
Users perform all transaction selection and queuing actions in advance on their portable devices before reaching the ATM. This preliminary action consolidates multiple navigation steps into a single preparatory phase, dramatically reducing the effort and time required during the actual transaction execution at the ATM.
Solution Approach 2:
The system enables users to skip the traditional menu navigation process at the ATM by having already queued transactions on their portable devices. The ATM directly processes the transmitted queued transaction data, allowing users to rush through the transaction execution phase without the time-consuming menu navigation steps.
Data Source
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AI summary
In an example embodiment, there is disclosed herein an apparatus comprising a first terminal that comprises a first display, a first wireless interface, and a first cash interface, and a second terminal that comprises a second display, a second wireless interface, and a second cash interface. Control logic is coupled with the first user interface and the second user interface and operable to control the operation of the first and second displays, first and second wireless interfaces, and first and second cash interfaces. A safe is coupled with the control logic, and the first and second cash interfaces. The control logic is operable to have cash selectively delivered from the safe to the first cash interfaces responsive to cash withdrawal transactions conducted at the first terminal and to the second cash interface responsive to cash withdrawal transactions conducted at the second terminal.