ATM Proxy Server Interface Translation for Cross-Institution Access
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Solution Overview
Problem
Current automated banking machines operating on proprietary networks restrict users to unfamiliar interfaces and transaction options when using foreign institutions' machines, leading to confusion and limited functionality, especially for international users, and lack secure financial transaction capabilities over wide area networks like the Internet.
Innovation Solution
An automated banking machine system that connects to a user's home institution via TCP/IP messages and HTML documents, using a proxy server to provide a familiar interface and transaction options, while maintaining security through a local device server and firewall, allowing operations over a wide area network like the Internet.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If automated banking machines operate on proprietary networks with foreign institutions, then users can access banking services at different locations, but users are forced to use unfamiliar interfaces and transaction options causing confusion
Solution Approach 1:
The patent introduces a translation layer that acts as an intermediary between the foreign institution's machine interface and the user's expected interface. This translation layer receives commands from the user in their familiar interface format and converts them into the foreign institution's proprietary interface protocols, thereby resolving the contradiction between providing foreign institution access and maintaining interface familiarity
Solution Approach 2:
The system creates a virtual copy of the user's home institution interface on foreign machines. By replicating the familiar interface structure, buttons, and transaction flows, the system allows users to operate foreign machines as if they were using their home institution's machines, thus maintaining ease of operation while enabling cross-institutional access
2Adaptability or versatility
If automated banking machines provide multiple transaction options, then functionality is expanded, but device complexity increases
Solution Approach 1:
The patent implements a universal transaction processing framework that handles multiple transaction types through a single integrated system. Rather than requiring separate specialized systems for different transactions, the framework uses a common set of tools and protocols that can be configured for various transaction options, thereby expanding functionality without proportionally increasing complexity
Solution Approach 2:
The system dynamically configures transaction options based on the user's profile, account type, and the capabilities of the specific machine. The interface and available transactions are not fixed but adapt in real-time, allowing the system to provide maximum functionality only when needed while maintaining simplicity for standard operations
3Reliability
If proprietary networks are used for security, then fraud prevention is improved, but network accessibility and interoperability are limited
Solution Approach 1:
The translation layer serves as a security intermediary that sits between the user's account systems and the foreign institution's proprietary network. It authenticates users and encrypts transactions before they enter the foreign network, maintaining security while enabling interoperability. The intermediary absorbs the complexity of different network protocols while presenting a unified secure interface
Data Source
AI summary
A system controlled by a data bearing record includes a card reader that is operative to read data from user cards including identifying data and to authorize operation of an automated banking machine responsive to the identifying data. A bank host computer is operable to submit the receipt to a system address of record with the bank. The address of record corresponds to an e-mail address, phone number or other address associated with an account involved in the transaction. The receipt may include an image or images associated with the transaction. The system may also operate to image deposited checks deposited at an the banking machine. Copies of the imaged checks and other information can be electronically sent to a maker, payee, a clearinghouse or banks involved with the transaction. The automated banking machine may also operate to provide the user with blank checks for transactions.