Split ATM Booth Layout for Faster Banking Queues

Resolve Bottlenecks,
Find Innovative SolutionsGenerate Solutions

Solution Overview

Problem

Conventional ATMs require high acquisition and maintenance costs, and customers face long queue times due to combined queues for cash and account transactions, necessitating a more efficient and cost-effective solution.

Innovation Solution

A split ATM booth design with separate teller kiosks and cash dispenser/acceptor terminals, optimized for space and power usage, featuring touch screens, IVR terminals, and encrypted transaction codes for enhanced security and efficiency.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If a single ATM terminal is used for both cash and account transactions, then all transactions can be processed at one location, but queue time increases and service efficiency decreases

Engineering Contradiction:

Improvetransaction processing efficiencyVSAvoidqueue time

Core Design Contradiction:

ProductivityVSLoss of time

Solution Approach 1:

The ATM system is segmented into separate terminals for cash transactions and account transactions. Each terminal type is dedicated to specific transaction categories, allowing parallel processing of different transaction types and eliminating queue conflicts between cash and non-cash transactions.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

Different locations provide different services: cash dispenser terminals are placed in locations requiring secure cash handling, while teller kiosks are placed in locations suitable for account transactions. Each location is optimized for its specific transaction type, improving overall system efficiency.

Inventive Principle:

Principle #3Local quality

2Adaptability or versatility

If a conventional single ATM terminal is deployed, then all banking services are available at one location, but acquisition cost and maintenance cost are high

Engineering Contradiction:

Improveservice coverageVSAvoidcost

Core Design Contradiction:

Adaptability or versatilityVSQuantity of substance

Solution Approach 1:

The system divides ATM services into separate cash dispenser terminals and teller kiosks. This segmentation allows banks to deploy only the terminal types needed for their specific service requirements, reducing unnecessary hardware costs and maintenance expenses while maintaining comprehensive service coverage.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

Teller kiosks can handle multiple account-related transactions including balance inquiry, fund transfer, statement printing, and mini-statement generation. This multi-functionality reduces the need for multiple specialized devices, lowering overall system cost while maintaining service versatility.

Inventive Principle:

Principle #6Universality (Multi-functionality)

3Reliability

If cash dispenser terminals are equipped with cooling systems, then cash handling capability is maintained, but power consumption and maintenance cost increase

Engineering Contradiction:

Improvecash dispenser functionalityVSAvoidpower consumption

Core Design Contradiction:

ReliabilityVSUse of energy by moving object

Solution Approach 1:

Cash dispenser terminals are separated from teller kiosks, concentrating cooling requirements only at cash dispenser locations. This segmentation allows cooling systems to be applied only where cash handling occurs, reducing overall power consumption compared to cooling entire ATM booths while maintaining cash dispenser reliability.

Inventive Principle:

Principle #1Segmentation

4Area of stationary object

If a single ATM booth houses all terminals, then space utilization is maximized, but queue time increases due to combined transaction queues

Engineering Contradiction:

Improvespace utilizationVSAvoidqueue time

Core Design Contradiction:

Area of stationary objectVSLoss of time

Solution Approach 1:

The system distributes cash dispenser terminals and teller kiosks across multiple locations rather than consolidating them in a single booth. This spatial segmentation creates separate queues for different transaction types, reducing queue time while the modular design allows flexible space utilization across distributed locations.

Inventive Principle:

Principle #1Segmentation

Data Source

PatentUS12469018B2Split ATM booth and method of performing banking transactions therein

Publication Date: 2025.11.11 DIGITAL FIRST HOLDINGS LLC

AI summary

The present invention discloses a split ATM booth and method of providing instant banking transactions. The split ATM booth includes teller kiosks for receiving a transaction request, sending a pre-stage transaction authorization request to an ATM network server, printing a transaction receipt containing a unique transaction encryption code. Cash dispenser terminals are provided for scanning the unique transaction encryption code, sending a transaction authorization request to the ATM network server, receiving a transaction approval from the ATM network server upon verification of the user account details and transaction details, executing the transaction and printing a transaction receipt. A transaction network switch controls the banking transactions at the split ATM booth.