ATM-Mobile Pairing for Secure PIN Entry and Lower Wear
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Solution Overview
Problem
Traditional ATMs are vulnerable to data theft due to the need for users to input their PIN directly, which can be compromised by skimmers and cameras, and suffer from wear and tear from frequent use of user interface components, increasing maintenance costs.
Innovation Solution
A user device functions as a user interface for the ATM, allowing users to input their PIN and select transactions externally, reducing the need for physical interface components on the ATM and enhancing security through encryption and unique device pairing.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional ATM user interface components (keypad, display) are used, then users can directly input PIN and select transactions, but the system becomes vulnerable to data theft through skimmers and cameras, and suffers from wear and tear increasing maintenance costs
Solution Approach 1:
The patent extracts the user interface functions (display, keyboard, authentication) from the ATM device itself and relocates them to the user's mobile device. The ATM retains only the essential transaction processing capabilities, while the mobile device handles PIN input, transaction selection, and authentication display, eliminating the vulnerable physical interface components at the ATM.
Solution Approach 2:
The mobile device acts as an intermediary between the user and the ATM system. It provides a secure channel for PIN entry and transaction selection, communicates authentication credentials to the ATM through established protocols, and displays transaction information, thereby mediating the interaction while enhancing security and reducing wear on ATM components.
2Ease of operation
If traditional ATM user interface components are used, then users can interact directly with the machine, but frequent use causes wear and tear on components, increasing maintenance costs
Solution Approach 1:
The patent removes the physically worn components (display screen, keypad, card reader interface) from the ATM and relocates them to the user's mobile device. The ATM retains only durable components for cash dispensing and basic communication, significantly reducing wear and tear on the ATM while maintaining full user interaction capability through the mobile device's interface.
3Adaptability or versatility
If ATM includes comprehensive user interface components, then users can perform all transactions directly at the machine, but the device complexity and manufacturing costs increase
Solution Approach 1:
The patent leverages the user's mobile device as a universal interface that can serve multiple ATM functions (authentication, transaction selection, information display) across different ATM locations. The ATM itself becomes a simpler, more standardized device focused on core transaction processing, while the mobile device provides the adaptable user interface layer.
Solution Approach 2:
The patent extracts the complex user interface subsystems (display, keyboard, authentication interface) from the ATM and relocates them to the user's mobile device. This reduces ATM device complexity and manufacturing costs while preserving full transaction processing capability through the distributed architecture.
Data Source
AI summary
A device may receive an indication that an ATM transaction is to be conducted, display prompt(s) for a user to input user authentication credential information and to select an ATM transaction type, detect user input(s) that include a user authentication credential and a selection of a particular ATM transaction type, and receive, from an ATM device, a request to establish a communication session. The ATM device may include a sync button to initiate communicative coupling of the ATM device and the user device. The request may be based on a user selection of the sync button. The device may communicatively couple to the ATM device, and provide, to the ATM device, the user authentication credential and data regarding the particular ATM transaction type to cause the ATM device to perform the ATM transaction. The device may display information regarding the ATM transaction.