Multi-Level ATM with Mobile-Driven Screenless Interface
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Solution Overview
Problem
Conventional ATMs pose security concerns as users may worry about others seeing their screen during transactions, and there is no convenient way for users without a card or of varying heights to easily access banking services.
Innovation Solution
A multi-level ATM with screen-less design that allows users to perform banking transactions using a mobile device, featuring multiple vertical levels of input and output trays accessible via the mobile app, enabling secure and convenient transactions for users of different heights or locations.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If a screen is provided at the ATM for displaying banking services, then users can access banking functions, but users may be exposed to security risks as others can see the screen during transactions
Solution Approach 1:
The patent removes the screen component from the ATM entirely. Instead of displaying banking services on a physical screen at the ATM, the system uses a mobile device to display all banking interfaces and information. This extraction of the screen function to a portable device eliminates the security risk of others viewing the screen while maintaining full banking functionality.
Solution Approach 2:
The mobile device serves as an intermediary between the user and the ATM. Rather than the ATM screen directly displaying banking services to the user, the mobile device acts as a mediator that receives instructions from the ATM and displays them on its own screen, which the user can control privately without exposing the ATM's display to onlookers.
2Ease of operation
If a single level of trays is provided at the ATM, then the structure is simple, but users of different heights or positions cannot easily access the trays
Solution Approach 1:
The patent transitions from a single-level tray structure to a multi-level vertical arrangement. By adding the vertical dimension, users of different heights and positions (standing, sitting, in vehicles) can access trays at appropriate levels. The system provides multiple levels of input and output trays arranged vertically, allowing users to select the level that best suits their position while maintaining relatively simple individual tray structures.
3Ease of operation
If a screen and keypad are provided at the ATM, then users can input data and select functions, but the device becomes more complex and less secure
Solution Approach 1:
The patent extracts the data input and function selection capabilities from the ATM itself and places them on the user's mobile device. The mobile device provides the keypad, display, and user interface functions, while the ATM retains only the essential hardware for cash handling and communication. This significantly reduces the complexity of the ATM structure while maintaining full data input capability.
Data Source
AI summary
An ATM is configured to interact with a mobile device and provide user access to one or more of the banking services available at the ATM using the mobile device. Banking-related information may be viewed and/or input at the ATM using the mobile device. The ATM may have multiple vertical levels of deposit slots, withdrawal trays and/or receipt dispensers. A level at the ATM at which the user interacts with the ATM for deposits, withdrawals, or receipts may be selected. The level may be specified by the user of the mobile device, at the ATM or using the mobile device, or may be determined by the ATM.