Mobile Device Transaction Collaboration System

Resolve Bottlenecks,
Find Innovative SolutionsGenerate Solutions

Solution Overview

Problem

Retail outlets face challenges in providing timely customer service without incurring the costs of adding additional employees, particularly in transactions that require assistance at locations like bank branches, stores, or libraries.

Innovation Solution

Implementing a system and method that allows customers to use their mobile devices to interact with retail outlets by identifying their location and associating their device with an account, transmitting transaction options, and pre-staging transaction data for completion at designated terminals within the outlet, such as ATMs or teller stations, thereby streamlining the transaction process.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If additional employees are added to provide timely customer service, then customer service quality improves, but operational cost increases

Engineering Contradiction:

Improvecustomer service qualityVSAvoidoperational cost

Core Design Contradiction:

Ease of operationVSQuantity of substance

Solution Approach 1:

The system enables customers to self-initiate transactions using mobile devices while at the outlet. The mobile device automatically detects the outlet location, identifies available services, and allows customers to complete transaction initiation without staff assistance, thereby maintaining service quality while reducing dependency on additional employees

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

The system performs preliminary actions by automatically detecting the customer's mobile device, identifying the outlet, determining available services, and pre-staging transaction data before the customer reaches a service terminal. This automation of preparatory tasks reduces the need for staff to manually assist with transaction setup

Inventive Principle:

Principle #10Preliminary action

2Ease of operation

If traditional transaction processing is used, then staff can assist customers, but wait times increase

Engineering Contradiction:

Improvetransaction assistanceVSAvoidwait time

Core Design Contradiction:

Ease of operationVSLoss of time

Solution Approach 1:

The system performs transaction initiation and data preparation in advance while the customer is still moving through the outlet. By the time the customer reaches the designated terminal, all transaction data is already staged and ready for completion, eliminating traditional wait times for service initiation and data entry

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The system replaces the manual mechanical process of staff-assisted transaction initiation with an automated electronic system. The mobile device and outlet system automatically communicate, detect location, identify services, and prepare transaction data without requiring staff intervention, thereby reducing customer wait time

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Data Source

PatentUS9460432B2On-premises device transaction collaboration

Publication Date: 2016.10.04 NCR ATLEOS CORP

AI summary

Various embodiments herein each include at least one of systems, methods, and software for on-premises device transaction collaboration. Some embodiments include a method. The method of such embodiments includes identifying a mobile device present within a facility and associating the mobile device with an account holder. Such embodiments further include transmitting, to the mobile device, data representative of transaction options identified in stored data based on an identity of the facility and the account holder.