SMS-Based Contactless ATM Authentication for Touch-Free Cash Withdrawal
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Automated teller machines (ATMs) pose a high risk for virus transmission due to multiple touch-based operations, including PIN entry, despite claims of being contactless, necessitating a fully contactless solution to ensure cardholder safety.
Innovation Solution
A contactless ATM experience using SMS messaging allows cardholders to interact with ATMs without physical contact by utilizing any mobile device with SMS capabilities, eliminating touch operations and enabling cash withdrawals through a series of SMS messages to authenticate and dispense cash.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Object-affected harmful factors
If touch-based operations are used at ATM terminal, then cardholder can perform banking operations, but virus transmission risk increases
Solution Approach 1:
The patent replaces mechanical touch-based operations with wireless SMS messaging communication. Users send and receive SMS messages to authenticate and request cash dispensing, eliminating the need to physically touch the ATM terminal surface, keypad, or card reader, thus resolving the contradiction between ease of operation and virus transmission risk.
Solution Approach 2:
The patent introduces SMS messaging as an intermediary between the user and the ATM terminal. Instead of direct physical interaction, communication occurs through text messages sent to and from the terminal, serving as a mediator that eliminates direct contact while maintaining operational functionality.
2Adaptability or versatility
If smartphone interface with Internet connectivity is required, then contactless ATM experience can be provided, but device accessibility and processing speed are reduced
Solution Approach 1:
The patent makes the ATM system universal by accepting SMS messages from any mobile device capable of sending text messages, not just smartphones with specific applications or Internet connectivity. This broadens device accessibility while simplifying requirements, as SMS is a fundamental mobile phone feature available across all mobile devices.
Solution Approach 2:
The patent uses SMS messaging, a simple and widely available communication method, instead of requiring complex smartphone applications or Internet connectivity. SMS represents a simpler, more accessible technology that achieves the same contactless goal without the overhead of sophisticated interfaces or continuous network connections.
Data Source
AI summary
Systems, methods, and computer program products for a contactless automated teller machine (ATM) experience receive, from a telephone number, a first short message service (SMS) message including a unique identifier associated with an ATM terminal; in response to receiving the first SMS message, communicate, to the ATM terminal, a first password associated with the telephone number and the unique identifier; receive, from the telephone number, a second SMS message including the first password; verify the first password; in response to verifying the first password, transmit, to the telephone number, a third SMS message including an option to withdraw cash from the ATM terminal; receive, from the telephone number, a fourth SMS message including a selection of the option to withdraw the cash from the ATM terminal; and communicate, to the ATM terminal, a cash dispense command that causes the ATM terminal to dispense the cash.