Mobile-Authenticated Touchless ATM Transactions for Reduced Wait Time
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Existing automatic transaction systems require direct user interaction, leading to prolonged transaction times and potential contamination risks, as well as inefficiencies in handling multiple transactions.
Innovation Solution
A touchless transaction method using a mobile terminal to input personal authentication and transaction information, which is processed by a payment application server to execute transactions without direct user interaction with the automatic transaction apparatus.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If a user inputs processing information directly on the touch panel of an automatic transaction apparatus, then the transaction can be executed with direct user control, but the transaction time becomes prolonged and user wait time increases
Solution Approach 1:
The system performs preliminary actions by pre-fetching and pre-processing transaction information before the user actually initiates the transaction. The communication unit proactively retrieves account information, transaction details, and validation data in advance, so that when the user confirms the transaction, all processing is already prepared and can be executed immediately without delay.
Solution Approach 2:
The automatic transaction apparatus performs self-service by automatically retrieving, validating, and processing transaction information without requiring the user to manually input each detail. The system's communication unit autonomously exchanges data with external systems, validates transaction parameters, and executes the transaction based on user confirmation alone, eliminating time-consuming manual data entry and validation steps.
2Ease of operation
If a user operates the touch panel of an automatic transaction apparatus, then the transaction can be controlled by the user, but the user may become contaminated with viruses from the touch panel
Solution Approach 1:
The system introduces an intermediary layer between the user and the transaction processing system. Instead of direct contact with the touch panel for data input, the user provides minimal confirmation input while the communication unit handles all complex data exchanges, validations, and processing operations remotely, reducing the user's physical interaction with potentially contaminated surfaces.
Solution Approach 2:
The system extracts the harmful interaction element by separating the data input function from the confirmation function. The touch panel is used only for simple confirmation input, while all detailed transaction information input and processing is extracted to remote systems via the communication unit, minimizing the user's exposure to contaminated surfaces.
3Reliability
If multiple transactions are processed sequentially by a single user occupying the automatic transaction apparatus, then each transaction can be executed in order, but other users have to wait in line for extended periods
Solution Approach 1:
The system maintains continuity of useful action by enabling parallel transaction processing. While one user is confirming a transaction at the touch panel, the communication unit continuously processes other transactions, retrieves data, and validates information in the background without interruption. This ensures that the system remains fully productive during what would traditionally be sequential processing gaps.
Solution Approach 2:
The system performs preliminary processing actions for multiple transactions simultaneously. The communication unit pre-fetches data, validates parameters, and prepares transaction executions for multiple users in advance, so that when users are at the machine, their transactions are already ready to execute immediately, eliminating wait times and enabling high throughput while maintaining processing accuracy.
Data Source
Figure 1
Figure 2
Figure 3
AI summary
Disclosed is a touchless transaction method in which a user executes a transaction without operating an automatic transaction apparatus (ATM) and which is executed by a transaction management apparatus communicably connected to a mobile terminal and the automatic transaction apparatus used by the user. The touchless transaction method includes executing by the transaction management apparatus: an authentication step (S15) of authenticating that the user using the mobile terminal is a registered user on a basis of information received from the mobile terminal; a transaction content management step of receiving a prescribed transaction content requested by the user from the mobile terminal and managing the received prescribed transaction content; and an instruction step (S27) of outputting to the prescribed automatic transaction apparatus an instruction to execute the prescribed transaction content when identification information for identifying the prescribed automatic transaction apparatus to be used by the user is received (S22).