QR Code ATM Access Using Mobile Banking Authentication
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Conventional ATM access systems face issues such as deteriorated card readers, technical malfunctions, card acceptance limitations, and fraud detection systems with static Check Identity Records (CIRs that compromise fraud detection confidence over time, especially due to image quality and language-specific models.
Innovation Solution
A mobile application-based system for ATM access that verifies QR codes, integrates dynamic fraud detection using neural networks for check image analysis, and includes OCR and IWR technologies to enhance fraud detection, allowing users to scan checks and verify ATM access while detecting potential fraud.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If conventional card-based ATM access is used, then users can perform transactions through physical card insertion, but the system becomes vulnerable to card reader deterioration, technical malfunctions, and card acceptance limitations
Solution Approach 1:
The patent replaces the mechanical card insertion and reading system with an optical QR code scanning system. Users scan a QR code displayed on the ATM screen using their mobile device camera, and the mobile application transmits access credentials wirelessly. This eliminates physical card readers, card slots, and associated mechanical components that are prone to deterioration and malfunctions.
2Reliability
If static Check Identity Records (CIRs) are used for fraud detection, then the system can process check images, but fraud detection confidence is compromised over time due to static profiles
Solution Approach 1:
The patent transforms static CIRs into dynamic profiles that automatically update with each new check image processed. The system continuously learns from incoming checks, adapting the profile to reflect changes in check patterns, formats, and characteristics over time. This dynamic adaptation maintains high fraud detection confidence without requiring manual intervention or time loss for profile updates.
Solution Approach 2:
The patent ensures continuous fraud detection improvement by processing every incoming check image to update the CIR. Rather than periodic updates, the system continuously learns from each transaction, ensuring the profile remains current and adaptive to evolving fraud patterns and check formats without interruption or time loss.
3Ease of operation
If QR code scanning is implemented for ATM access, then physical card reader issues are eliminated, but the system requires mobile device integration and QR code verification processes
Solution Approach 1:
The patent enables users to self-initiate the access process by actively scanning the QR code displayed on the ATM screen using their own mobile device. The mobile application automatically captures the QR code, extracts credentials, and completes the authentication process without requiring ATM staff assistance or complex manual procedures. The system leverages the user's existing mobile device capabilities to simplify the interaction.
Data Source
Figure 1
Figure 2
Figure 3
AI summary
A method comprising using at least one hardware processor to: receiving (1510) a QR code image associated with an ATM from an ATM machine; detecting (1520) through a mobile banking application the QR code features within the QR code, wherein the features are associated with an encoded information; decoding (1530) the detected QR code to extract the encoded information corresponding to the ATM; verifying (1540) the ATM machine to be used by the user; and granting (1550) access to the ATM and user account.