Remote Server Banking Machine Control via Client Device
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Solution Overview
Problem
Automated banking machines lack efficient and secure methods for conducting financial transactions, particularly in terms of data processing and user authentication, which can lead to vulnerabilities and limitations in transaction processing and user experience.
Innovation Solution
The implementation of a client device with multiple ports for device and display communications, connected via a TCP/IP network to a remote server or virtual machine, enabling remote operation of banking machine devices and secure transaction processing through protocols like PCoIP or SPICE, allowing for secure and efficient financial transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Speed
If automated banking machines use local processing and storage, then data access speed is improved, but security vulnerabilities and system maintenance complexity increase
Solution Approach 1:
The patent extracts critical processing functions (authentication, transaction authorization, security validation) from the local banking machine and relocates them to a remote server. This separation allows the local machine to maintain fast data access for user interface operations while the remote server handles security-critical functions, thus resolving the contradiction between speed and security.
Solution Approach 2:
The patent introduces a remote server as an intermediary between the banking machine and the financial network. This intermediary centralizes security management, authentication, and transaction validation, allowing local machines to operate with simplified security requirements while maintaining high security standards through the intermediary's centralized control.
2Ease of operation
If multiple banking machines are distributed across locations, then user accessibility is improved, but system maintenance and management complexity increase
Solution Approach 1:
The patent merges the management and control functions of multiple distributed banking machines into a single remote server. This consolidation allows administrators to maintain and update the system centrally, reducing the complexity of managing distributed machines while preserving their geographic distribution for user accessibility.
Solution Approach 2:
The remote server is designed as a universal platform that can manage multiple banking machines with different functionalities (cash dispensing, deposits, transfers, etc.). This multi-functional approach allows a single server to handle diverse transaction types across multiple locations, simplifying maintenance while maintaining accessibility.
3Productivity
If banking machines perform all transactions locally, then transaction processing speed is improved, but security risks and authentication vulnerabilities increase
Solution Approach 1:
The patent implements preliminary authentication and authorization actions at the remote server before transactions are executed locally. User credentials are validated, and transaction permissions are pre-approved by the remote server, ensuring security is established before local processing begins. This preliminary security check prevents unauthorized transactions while allowing fast local execution of approved transactions.
Solution Approach 2:
The patent establishes a feedback loop where the remote server continuously monitors and validates transactions initiated at local banking machines. Transaction data is sent to the remote server for verification, and authorization feedback is returned to complete the transaction. This feedback mechanism ensures security oversight while maintaining efficient transaction processing through coordinated operation.
Data Source
AI summary
An automated banking machine operates to cause financial transfers responsive at least in part to data read from data bearing records. The automated banking machine includes a card reader operative to read card data from user cards corresponding to financial accounts. The automated banking machine includes a display and a printer to produce records of financial transactions carried out with the machine. The automated banking machine may also include a client device that is operative to cause the display, card reader and other devices in the machine to operate in response to communications through the client device.