OLED Bank Teller Carrel Integrating QST and Biometrics

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Solution Overview

Problem

Conventional quick service terminals (QSTs) at bank teller counters are costly and occupy valuable space, necessitating a more integrated and space-efficient solution for customer identification services.

Innovation Solution

An OLED bank teller carrel with an integrated OLED screen, communication circuit, and biometric capabilities, which can be powered by multiple sources and attached to the counter using adhesives or magnets, allowing for contactless transactions and biometric data capture.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If conventional QST equipment is deployed at bank teller counters, then customer identification services can be provided, but the equipment occupies valuable counter space and incurs high costs

Engineering Contradiction:
Improvecustomer identification serviceVSAvoidcounter space
Core Design Contradiction:
Ease of operationVSArea of stationary object

Solution Approach 1:

The patent combines the QST functionality with the existing counter surface by integrating an OLED display, communication circuit, and biometric sensor directly into the counter structure. This merging eliminates the need for separate QST equipment while preserving all identification functions, thereby reducing counter space occupation.

Inventive Principle:
Principle #5Merging (Combining)

Solution Approach 2:

The integrated counter system performs multiple functions: it serves as both the counter surface and the QST device for card reading, PIN entry, and biometric verification. This multi-functionality allows a single structure to replace traditional separate equipment, addressing the space constraint while maintaining service capability.

Inventive Principle:
Principle #6Universality (Multi-functionality)

2Ease of operation

If conventional QST equipment is deployed at bank teller counters, then customer identification services can be provided, but the equipment incurs high costs

Engineering Contradiction:
Improvecustomer identification serviceVSAvoidequipment cost
Core Design Contradiction:
Ease of operationVSEase of manufacture

Solution Approach 1:

By merging the QST functionality into the existing counter infrastructure, the patent eliminates the need to purchase and deploy separate expensive QST equipment. The integrated approach uses standard components (OLED display, communication circuit) that can be embedded in the counter, significantly reducing equipment costs while maintaining identification service functionality.

Inventive Principle:
Principle #5Merging (Combining)

3Area of stationary object

If the OLED screen is integrated within the counter contours, then counter space is preserved, but the device complexity increases

Engineering Contradiction:
Improvecounter spaceVSAvoidintegrated screen system
Core Design Contradiction:
Area of stationary objectVSDevice complexity

Solution Approach 1:

The patent segments the QST functionality into distinct modular components: OLED display, communication circuit, biometric sensor, and software chip. Each component can be independently installed and maintained within the counter structure, which simplifies the integration process despite the overall system complexity. This segmentation allows for easier manufacturing and maintenance while achieving the space-saving integrated design.

Inventive Principle:
Principle #1Segmentation

Data Source

PatentUS10176676B2Organic light emitting diode (“OLED”) display with quick service terminal (“QST”) functionality
Publication Date: 2019.01.08 BANK OF AMERICA CORP
  • US10176676B2 patent drawing
  • US10176676B2 patent drawing
  • US10176676B2 patent drawing

AI summary

Aspects of the invention relate to an OLED bank teller carrel with an integrated QST. The bank teller carrel may include a user-facing counter. The bank teller carrel may include an OLED screen embedded in the counter. The OLED screen may include an array of OLEDs. The array of OLEDs may be configured to display information. The OLED screen may include a software chip. The software chip may include a processor and a memory. The OLED screen may include touch screen capabilities. The touch screen capabilities may be configured to receive user input via human touch. The OLED screen may include biometric characteristic receipt film. The biometric characteristic receipt film may be configured to capture at least one biometric characteristic of a customer. The OLED screen may include a communication circuit. The communication circuit may configured to receive information from information hubs and transmit information to information hubs.