NFC-Based SST Information Provision
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Solution Overview
Problem
Existing Self-Service Terminals (SSTs), such as ATMs, face challenges in providing user information efficiently and securely, requiring cumbersome updates and prone to errors during customer identification and transaction processes.
Innovation Solution
A method and apparatus utilizing a Near Field Communication (NFC) device to update and read data from a mobile terminal, enabling convenient provision of information like electronic vouchers, coupons, and authorization codes, allowing customers to initiate transactions by tapping their mobile device on an NFC tag at the SST, which communicates with a remote server to execute transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional customer identification methods (bank card and PIN) are used at SST, then transaction security is maintained, but error rate increases and security risks arise
Solution Approach 1:
The patent replaces the mechanical interaction of inserting physical bank cards and typing PINs with a contactless NFC-based identification system. The mobile terminal communicates wirelessly with the SST through NFC technology, eliminating the need for physical card insertion and manual PIN entry, thereby reducing errors and security risks while maintaining authentication capability
Solution Approach 2:
The patent uses the mobile terminal as a digital copy/alternative to the physical bank card. Instead of requiring the original physical card, the system accepts information from a mobile device that contains or can access account credentials, providing a convenient alternative that reduces handling errors and theft risks associated with physical cards
2Reliability
If SST information is updated through traditional methods, then data accuracy is maintained, but update time consumption increases and operational complexity arises
Solution Approach 1:
The patent replaces manual information update procedures with automated wireless communication. The SST updates customer information, vouchers, and other data through NFC communication with mobile terminals or backend systems, eliminating the need for manual data entry and physical updates, thereby reducing time consumption and operational complexity while maintaining data accuracy through automated transfer
Solution Approach 2:
The system performs preliminary actions by pre-loading information, vouchers, and transaction data into the NFC device or making them available for quick retrieval. This allows the SST to have updated information ready before customer interaction, reducing the time needed for real-time updates during transactions
Applied Scientific Principles
This section explains which scientific principles are used to turn an abstract innovation direction into a practical engineering solution.
Function Achieved in This Case
Facilitates secure and efficient provision of information to customers, enabling convenient transaction execution and dynamic data updates, enhancing accessibility and reducing the complexity of SST updates, allowing for contactless services through a wide range of mobile terminals.
Implementation Method 1
Aptly, the method further comprises reading the data by locating the mobile terminal proximate to the NFC device at the SST.
Data Source
AI summary
A method and apparatus are disclosed for providing information to a customer of a Self-Service Terminal (SST) such as an Automated Teller Machine (ATM). The method includes the steps of updating storage data of a Near Field Communication (NFC) device at an SST and reading data associated with the storage data from the NFC device via a mobile terminal of a customer at the SST.