Automated Banking Machine Mobile Authentication and Accessibility

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Solution Overview

Problem

Automated banking machines face challenges in enhancing security against fraudulent transactions and providing accessible user interfaces for diverse user needs, including visually impaired users and improved sanitation features.

Innovation Solution

The implementation of advanced automated banking machines that utilize data from data-bearing records for secure financial transfers, incorporate enhanced user interfaces for mobile device operation, and include features such as 3D printing for producing redeemable tokens, disinfecting capabilities, and imaging sensors for blind user assistance.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If traditional automated banking machines use physical cards and displays, then basic transaction functionality is achieved, but security against fraudulent transactions is insufficient and accessibility for visually impaired users is poor

Engineering Contradiction:

Improvesecurity against fraudulent transactionsVSAvoidsystem complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The patent replaces physical card-based authentication with mobile device-based authentication using cameras, sensors, and communication interfaces. The system captures images of the user and mobile device, extracts identifying information, and verifies authenticity through digital means rather than mechanical card insertion, thereby enhancing security while reducing reliance on physical components

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The patent introduces an intermediary image processing and verification system that acts as a mediator between the user and the banking machine. The system uses cameras to capture images, processes them to extract identifying information, and verifies the user's identity through this intermediary layer, adding security without requiring direct physical interaction with traditional card readers

Inventive Principle:

Principle #24Intermediary (Mediator)

2Ease of operation

If traditional automated banking machines use standard displays and interfaces, then basic operation is achieved, but accessibility for visually impaired users is insufficient

Engineering Contradiction:

Improveaccessibility for visually impaired usersVSAvoidinterface complexity

Core Design Contradiction:

Ease of operationVSDevice complexity

Solution Approach 1:

The patent replaces visual display interfaces with audio output interfaces. The system uses speakers to provide audio feedback and instructions, allowing visually impaired users to interact with the machine through sound rather than visual displays, thereby improving accessibility while substituting mechanical visual components with acoustic ones

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The patent introduces an audio intermediary layer that converts visual interface information into audio feedback. The system processes user inputs and transaction information, then delivers them through audio output, creating an intermediary translation layer that makes the interface accessible to visually impaired users without complicating the core transaction logic

Inventive Principle:

Principle #24Intermediary (Mediator)

3Object-affected harmful factors

If automated banking machines provide physical contact surfaces, then user interaction is enabled, but sanitation and hygiene are compromised

Engineering Contradiction:

Improvesanitation and hygieneVSAvoiduser interaction capability

Core Design Contradiction:

Object-affected harmful factorsVSEase of operation

Solution Approach 1:

The patent replaces physical contact surfaces with contactless interaction methods. The system uses cameras to capture images of the user and mobile device, and uses communication interfaces to receive data wirelessly, eliminating the need for physical keyboards, card slots, or display touches that require cleaning and sanitization

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Data Source

PatentUS10453041B1Automated banking machine system that operates to make cash available to a mobile device user

Publication Date: 2019.10.22 WALKER PATRICIA A

AI summary

A user who desires to receive cash or other value, operates a mobile device to communicate data corresponding to a user account, an amount and a current location to a remote transaction system. In response the mobile device receives a transaction identifier and data corresponding to a plurality of automated banking machine fulfillment points in proximity to the user's current location. The mobile device outputs information on each of the fulfillment points and the user selects the one desired. The mobile device outputs directions to the fulfillment point. The machine at the selected fulfillment point wirelessly receives the transaction identifier and the identifying data, and the mobile device wirelessly receives a fulfillment point identifier corresponding to the machine. The mobile device sends data corresponding to the fulfillment point identifier and current location data to the transaction system and the cash is made available in response to the user's current location corresponding to the location of the machine associated with the fulfillment point identifier.