Automated Banking Machine Keypad Security and Accessibility
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Solution Overview
Problem
Automated banking machines lack enhanced security, user-friendly operation, weather resistance, and features to prevent germ transmission and unauthorized viewing of user inputs, while also needing to accommodate visually impaired users and those with disabilities.
Innovation Solution
The automated banking machine incorporates a user interface with a concealed keypad, encrypted input capabilities, a touch screen display, and a light emitter to prevent camera viewing, along with features for germ reduction and accessibility for visually impaired users, including a virtual keypad and auxiliary display for easy operation.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If a traditional keypad is used for user input, then the machine is simple to manufacture, but security is compromised as inputs can be viewed by unauthorized persons
Solution Approach 1:
A light emitter is introduced as an intermediary component between the keypad and the environment. The light emitter projects light onto the keypad area, creating a visual barrier that prevents unauthorized viewing of user inputs while allowing the user to see and interact with the keypad normally. This mediator resolves the contradiction by adding security functionality without fundamentally redesigning the keypad structure.
2Reliability
If a concealed keypad is implemented to prevent unauthorized viewing, then security is improved, but ease of operation deteriorates
Solution Approach 1:
The light emitter operates periodically or on-demand during transaction periods rather than continuously. The system activates the light emitter when a user initiates a transaction (detected via card insertion or account selection) and deactivates it when no user is present. This periodic operation maintains security during critical input phases while reducing operational interference and energy consumption during non-use periods.
3Reliability
If encrypted input capabilities are added to the user interface, then security is enhanced, but device complexity increases
Solution Approach 1:
The existing controller of the automated banking machine is enhanced to perform both traditional transaction processing and encryption functions. Rather than adding a separate encryption device, the controller is programmed to encrypt user inputs (such as PINs) before transmission to the banking network. This multi-functional approach enhances security while minimizing the increase in device complexity by leveraging existing hardware resources.
4Ease of operation
If accessibility features like virtual keypad and auxiliary display are added, then ease of operation for disabled users improves, but device complexity increases
Solution Approach 1:
The user interface dynamically adapts its configuration based on user needs. The system can switch between a traditional physical keypad mode and an alternative interface mode featuring a virtual keypad on the display and auxiliary controls. This dynamic reconfiguration allows the machine to accommodate users with disabilities while maintaining a simple physical structure, as the additional functionality is software-driven rather than requiring permanent hardware additions.
Data Source
AI summary
An apparatus that operates to cause financial transfers responsive to data read from data bearing records, includes at least one processor that is in operative connection with a card reader, a check acceptor, a cash dispenser and a display. The at least one processor causes the machine to operate to read card data from a user card, and to cause a determination to be made that the read card data corresponds to an authorized financial account. The at least one processor is operative to cause data to be read from a check and/or cash to be dispensed, and a financial transfer to or from the account corresponding to the value thereof. Machine instructions are output and user transaction inputs can be received through either a primary or an auxiliary touch screen display.