Title of Invention	A SYSTEM FOR PROCESSING TRANSACTIONS
Abstract	Disclosed herein is a method to conduct a variety of banking and ticketing transactions in a very efficient maimer, using a touchscreen monitor combined with a computer system, executable software to control a defined sequence of operations and a variety of electronic devices and a self-service Touchscreen kiosk comprising: a. A touchscreen enabled monitor; b. Microprocessor, Memory, Hard disk. Floppy disk, CD-ROM and associated hardware like modem, network connectivity, required device drivers and a set of Software instructions to dynamically generate and display on the touch screen the transaction instructions and the result of such transactions; c. A printer; d. MICR (Magnetic Ink Character Recognition) Reader and e. A known kiosk enclosure having a lockable door, power distribution points, castor wheels, leveling screws, fans for ventilation, provision to fix translite and sufficient space to fix the parts mentioned in steps a to d.

Title of Invention

A SYSTEM FOR PROCESSING TRANSACTIONS

Abstract

Disclosed herein is a method to conduct a variety of banking and ticketing transactions in a very efficient maimer, using a touchscreen monitor combined with a computer system, executable software to control a defined sequence of operations and a variety of electronic devices and a self-service Touchscreen kiosk comprising: a. A touchscreen enabled monitor; b. Microprocessor, Memory, Hard disk. Floppy disk, CD-ROM and associated hardware like modem, network connectivity, required device drivers and a set of Software instructions to dynamically generate and display on the touch screen the transaction instructions and the result of such transactions; c. A printer; d. MICR (Magnetic Ink Character Recognition) Reader and e. A known kiosk enclosure having a lockable door, power distribution points, castor wheels, leveling screws, fans for ventilation, provision to fix translite and sufficient space to fix the parts mentioned in steps a to d.

Full Text	FIELD OF INVENTION: This invention relates to a self-service transaction process for use in retail banking, ticketing and the like and a touchscreen monitor combined with a computer system, executable software to control a defined sequence of operations and a variety of devices that allow a user to conduct a variety of banking transactions in an efficient manner. BACKGROUND: Touchscreens, by their inherent intuitive characteristics, are finding increasing use in self-service kiosk applications. Particularly for transaction kiosks, it becomes very efficient to provide a specific choice of descriptive icons to aid a user to touch upon which the display changes in a predetermined sequence. This sequence is designed to result in a particular transaction being completed. In kiosk environments a keyboard is not accessible hence the user can only touch icons on the screen, thus the chances of accidentally or intentionally tampering or accessing information other than what is required is eliminated. The user cannot switch off the computer or alter any of the settings. In a transaction kiosk applications the software will be capable of allowing the user to enter information using an on-screen virtual keyboard that has only those keys that are required to input information. To correct wrong inputs a backspace button can be provided. Apart fi-om these the software can allow the user to scroll up or down a table and select one of the options. Touching the OK icon will imply the information input is OK and the GUI (Graphic User Interface) reads the information & performs checks with the database as per the requirement of that transaction step and displays the next screen as per the sequence. If the check results are not OK, relevant screens can be displayed as per predetermined criteria say, to allow the user to try again a number of times. This allows authorizing the user to perform transactions after the Identity is verified. Information can be captured by, or output to a variety of devices connected to the kiosk like MICR reader, magnetic card, smart card, web camera, receipt printer, barcode printer, biometric sensor etc. Transaction kiosks are useful to perform repetitive, high frequency tasks which otherwise would be performed by persons leading to longer waiting times, varying efficiencies 8L possibilities of errors. CURRENT SCENARIO: 1. Retail Transactions in Banks: Banks across India have been following a procedure for over 40 years at the Customer front end, for simple transactions like cash withdrawal, cash deposits. Instrument Purchase, check balance, print statement etc. Millions of customers, on a regular basis have to undergo cumbersome procedures to effect simple transactions as explained below. The Method: • To withdraw cash a customer fills up a cheque or a voucher which the clerk manually examines, issues a metal token, enters & updates the transaction using a computer terminal, which is again verified and approved by an accountant on another computer terminal and then passed over to the cashier, who calls out the token number and the customer hands over the token & collects cash. • To deposit Cash or an Instrument, a pay-in slip is filled in duplicate-triplicate in some cases (account number, date, amount in figures & words and signature), cash is given to cashier who counts & stamps counterfoil, and Instrument is given to clerk who verifies & stamps counterfoil. • To purchase instrument, voucher is filled in duplicate (date, beneficiary, amount, commission, total, location), handed to clerk with a cheque payable to bank (or cash to cashier), clerk passes to accountant who prepares Instrument and hands to customer • To update pass-book clerk receives it accesses account and updates using printer. • To issue new cheque-book, clerk receives requisition, enters account number on each cheque leaf, records numbers against account numbers and hands over cheque book generally never on the same day. Shortcomings & Problems: It is very obvious to observe that these procedures create bottle-necks in the work process. The same clerk handles varied jobs which leads to increased waiting times when customer traffic is high. A customer wishing to conduct a simple transaction needing a few minutes has to needlessly wait for other customers' transactions in process to be complete; after filling up mundane details like date, account number, name in duplicate. To elaborate- issuing withdrawal slips, checking for withdrawal, updating pass book, issuing cheque book, opening new accounts is performed by the clerk. A sub-staff moves vouchers & tokens to & fi"o between the clerk, accountant and cashier. The accountant verifies every withdrawal, issues Instruments, allows OD, verifies new accounts, accepts Investments, authorizes loans etc. The clerk issues & accepts cash. Each of these staff possesses varying degrees of efficiency, patience and capacity for repetitive tasks. The existing method in spite of computerization results in crowding at service counters, long queues harassed staff & customers. Besides, under the above circumstances, cash & non-cash transactions being serviced in the same area poses a risk to customers as any person (with possible devious intentions) can walk into a bank branch and pose innocent queries about certain banking services. Aged persons, disabled persons find it very tedious to perform simple transactions. The following URLs are included herein by way of reference wherein the current banking scenario is discussed in detail: http://www.banknetindia.com/ http://www.banknetindia.com/banking/features.htm http://www.banknetindia.com/banking/art.htm http://www.banknetindia.com/anking/bsoftware.htm http://www.banknetindia.com/banking/bitpresentlevel.htm The convenience that the current banking system provides for personal as well as business purposes is limited by the fact that these transactions need to be conducted from the branch where the account exists. • Cash withdrawal is not possible in any branch (other than branch where account exists) of the same bank (without magnetic swipe card or smart card). • Cash Deposit is not possible at any branch of the same bank (other than branch where account exists). • Instrument Purchase is not possible at any branch of the same bank (other than branch where account exists). • Standing Instructions cannot be issued from any branch of same bank (other than branch where account exists). • Account Balance cannot be checked from any branch of the same bank (other than branch where account exists). In trying to leverage a wide presence across the coimtry, banks in India are exploring initiatives to deploy the latest in Banking Automation Software like: i) Stand-alone branch-level packages- These are usually written in FoxPro, C or Dbase and handle specific functions at branches; these are sometimes networked on a LAN to simulate a TBA environment. But there are also high-end packages with a central Server (which can be a Pentium PC or NT or a MINI or even a Main Frame, supported by multiple (dumb or intelligent) terminals. Some of them use sophisticated RDBMS like ORACLE as back-end and provide user-friendly front-end with Windows GUI. ii) Multi-branch solutions - These are used to network a cluster of branches in a city (or spread over several cities); the account maintenance can be central (where facilities like Anywhere Banking are required) or can be distributed, networking being achieved through Wide Area Network (WAN) on terrestrial lines / high speed lines/ satellite networks - and now even wireless. iii) Foreign Packages - Examples are Bank Master, Kappiti, Sanchez etc. These need to be extensively customized to suit Indian requirements - but their strength he in their proven capabilities in developing and offering modem / global banking products / services that India is just ushering in. iv) Packages for specialized niche areas - Like Asset Liability Management (ALM), Treasury Management, Trading / Dealing Room activities. Custodial Services/ Depository Participant etc. These are high-end packages with sophisticated analytical and decision tools. v) Service Branch / high-volume transaction processing packages - These include, clearing, drafts issue/ payments / reconciliation (Remittances), Bills (payments/ collection/ purchases). Dividend Warrant Processing, inter-branch reconciliation etc. These are often developed and implemented by service providers to whom the work is outsourced. vi) IT Services - These are not Packages in the sense, these are developed to handle specific problems like disaster recovery, virus protection, security handling, linking / networking multiple legacy systems between themselves or to new platforms or to new delivery chaimels like ATMs, etc. New initiatives like Net-Banking, Tele-Banking, Mobile-Banking, are being deployed, but these can cater to only a fraction of the population with the situation in about 40,000 odd branches remaining unchanged. The Banking automation software available in the market does not focus on improving the service times or overcome the shortcomings existing at the front-end customer service counters. There is no definite solution that will: • Simplify, streamline & optimize the workflow at the customer front-end • Eliminate, minimize the bottle-necks & problems at service counters • Allow flexibility to withdraw, deposit cash, purchase Instrument in any branch (without magnetic / smarts). 2. Ticket Purchase for Railways, Bus and Airlines The procedure to purchase journey tickets for travel by railways, road or air is very old and entirely manual in spite of computerization. Railway Stations A customers checks accommodation availability status for a particular train and fills up a form and stands in the queue. On reaching the ticket window, hands over the application form, to clerk who again checks the status, enters all information, allots seats, collects payment in Cash or Credit card, prints tickets and hands over ticket to customer. The problems faced by the customer is that of finding out the available trains, selecting a train, then coming to the railway station to check if accommodation is available or not, then alter the joumey dates and then fill up the form, then stand in a queue. After all this. By the time the customer reaches the ticket window, the accommodation status may have changed. To select a train, a railway time table can be used. To check accommodation customer refers to the status display which depicts availability by green & red tokens or on an electronic display board. In smaller stations this information is given at enquiry counters. The traveler does not have a choice in the seats allotted. A group of passengers may be allotted separate seats. Senior citizens or ailing persons may be allotted top berths or seats far away from the doors making it difficult to board and alight. This procedure leads to a lot of delay and long queues and inconvenience to the traveler. Also as payment by credit card is not popular, the payment has to be made in cash which means an additional task has be performed by withdrawing from a bank. Long queues, big crowds are, in today's context a very big security risk. Advance joumey tickets can be booked on the Intemet. But this facility is restricted to a small population who are comfortable with using computers and cannot be used in semi urban or rural places. Also there is an extra cost (Rs.30 per ticket) charged to deliver the tickets by courier. Bus Stations The procedure is almost similar. The bus schedule is displayed in the bus stands, or traveler makes enquiries at the enquiry counters. They then go to the ticket window verbally convey their travel schedule, the clerk books ticket using computer system and prints ticket, collects payment and issues ticket to passenger. This procedure is for advance ticket booking. For current booking, the passengers board the bus (rush in without queue) and occupy seats. The bus conductor then enters the bus and issues ticket to the passengers. Though bus routes are scheduled, passengers have to wait and push their way whenever a bus arrives. There is no system of a passenger queue for buses traveling on a common route. Air travel Air tickets are generally purchased through travel agents or airline ticketing offices. Though such a booking can be conveyed on the telephone the ticket has to be physically collected or delivered in person. If a person stays in a place where there is no airport or travel agents then he is dependent on a friend or a contact to book a ticket and deliver it. This entails extra communication costs. While checking in at the airport, there is a queue at the check-in counter. Baggage has to be checked in and a boarding pass has to be collected. Seats are allotted by the counter staff normally without a proper choice. Persons without check-in baggage, frequent travelers have to stand in this queue. OBJECTIVES OF THE INVENTION This Invention makes the process of such transactions very fast, convenient and efficient. Long queues, crowding is eliminated and the process of conducting such transactions becomes very comfortable and easy. It is a further objective of the invention to provide a new, simple method to facilitate retail-banking transactions using a touch screen transaction kiosk that offers self-service with the following features & advantages: • Optimal sequence of operations by user • User friendly, training for usage not required Reduces waiting time for customers Reduces crowding at service counters First-come-first-serve Multi-lingual Customers are not made to wait for jobs in queue Customers need not interact with bank staff for simple queries Saves time & effort put in by Bank staff in performing repetitive & mundane chores Frees up bank staff to offer better personalized services Utilize existing human resources for better operations Improve the work process flow Allows customers to withdraw / deposit cash. Purchase Instrument, Issue Standing Instructions, Transfer Cash from any branch Improve the security in bank premises Allow the banks to expand services with minimum infrastructure Deployable at Merchant establishments to accept payments by fund transfer Scalable to adapt to new technology Economical to purchase & maintain Portable: can be located within premises or at external establishment Minimizes use of paper vouchers, cheques Can be designed to be user friendly for the disabled. This invention will now be described with reference to the accompanying drawings, wherein: Fig 1 shows the self-service kiosk system ATK-100; Fig 2 shows the connection between ATK-100, the database and the computer in the bank; Display Graphics DGl to DG33 shows the various screen displays during operation; Flow Charts FCl to FC13 shows the operational chart during various transactions; and Print outs POl to P07 shows the various print outs that can be generated after the transactions. DETAILED DESCRIPTION OF THE INVENTION: This invention combines the functionality of a touchscreen monitor, computer system, executable software and several hardware devices, to enable a new method of self-service transactions to be performed such as the following: a. banking and b. ticketing transactions The Invention is a transaction method, represented in the work process flow charts as follows: 1. ATKIOO for conducting banking transactions 2. ATKIOO for conducting ticketing transactions. Method: a. Passenger conducts transaction and books ticket on ATKIOO (detailed explanation of this procedure explained under ATKIOO self service ticketing Transactions Box 2 Block B below) b. Passenger collects printed receipt with queue number and waits for number to be called. c. When counter clerk calls the number, passenger makes payment and collects ticket. Method: 1. Customer selects Cash Deposit 2. Customer enters Account number 3. Customer enters deposit Amount 4. Customer collects Printed Challan Note: This is a brief description of the method of conducting 2 types of retail banking transactions. Other transactions are mentioned in full details in Annexure 1. Description of ATK100 self service Ticketing transactions (Box 2. Block B) The ATKIOO is connected to the database, enterprise application network of the service establishment like Railways, Bus transport and Airlines. The User Interface extracts relevant information like vehicle schedules, seating acconmiodation, fare calculation etc and presents it to the user Interface. A person wishing to travel, visits the Railway station and touched the welcome screen of the ATKIOO and follows the procedure given below: 1. The screen displays an instruction to enter the 'from' and Ho' station names for the journey. 2. On entering the station names, the screen displays all the trains connecting these 2 stations with the travel schedule and instructs the passenger to select one train. 3. On selecting one train, the screen asks for a date of journey along with preferred class of travel and number of tickets and individual age of passengers 4. On entering these details, the screen indicates if the tickets are available for that schedule along with the total cost of tickets and asks if the tickets are to be reserved 5. If the person touches 'yes' button then the reservation system blocks these specific tickets, prints a receipt with a queue number and travel schedule and all other details 6. The person takes the receipt, and waits for the queue number to be called by any ticket window clerk. 7. When the queue number is called, the person goes to the ticket window, gives the receipt, along with the requisite amount of money or credit card. 8. The ticket clerk prints the tickets and hands over to the person booking the tickets. Note: a. The User Interface will display the appropriate selection buttons like OK, Cancel, Go to Previous screen, alphanumeric keys and exit which the passenger touches to input information. b. In case of advance reservation, the names of passengers and contact details can be written manually in the space designed in the receipt depending on the number of passengers mentioned in the transaction. The names and contact details will be entered into the reservation system by the counter clerk. c. On entering the age of the passenger, the system will automatically calculate the concession fares for children and senior citizens d. The passenger can also select specific seat numbers from the available accommodation. Purchasing a Bus ticket or airline ticket usim the ATKIOO The general procedure is same as that for railway tickets. Note: L The ATKIOO can be located in bank branches and connected to a transaction processing switch which can be interfaced to the enterprise application software. A person can book tickets from a bank branch and either pay cash at the cashier counter or ask for the amount to be debited from the bank accoxmt in that branch. In this case, a PNR (Passenger Name Record) number will be issued against payment for the ticket. The actual tickets can be collected from the ticket issuing authority against the PNR number prior to the joumey date. 2. The ATKIOO can be located at any third party merchant establishment that the bank approves and authorizes to conduct retail banking & other transactions on their behalf as a contract. The basic procedure will remain the same. General; The Invention has been detailed with an arrangement of hardware devices, features and a process of operations to result in particular transactions. However many more similar or newer transactions will be possible using, omitting or altering the process and features. To name a few: It will be possible to deploy this kiosk in a merchant establishment to enable payments to be transferred to merchant for services availed from Customer's account by customer It will be possible for a person to withdraw cash-self without a printed token, using only a web cam, or only numeric keypad, or with only the cashier monitoring the transaction. It will be possible to configure a set of speakers to play recorded voice instructions to instruct the user to conduct transactions. It will be possible to allot a one time PIN dedicated to a particular amoimt of cash, which can be supplied to a beneficiary located in another city, who can use the ATKIOO to withdraw cash for the single occasion. It will be possible for a person to deposit a cheque in any city. It will be possible for a person to check account balance and get an account statement from any branch, in any city. It will be possible for a person to change PIN It will be possible to person to make deposits into loan accounts It will be possible to Issue Standing Instructions It will be possible for an administrator to monitor the transactions in a network scenario It will be possible that, high-risk, non-secure areas during late hours, having conducted a transaction in the lobby, the user could need to enter PIN or swipe card to access entry to the premises to receive cash. It will be possible to transfer cash from account to a smart cash card, (load a smart card) It will be possible to make Utility bill payments. The following description illustrates the Banking transaction in detail. The self-service kiosk system ATKIOO comprises: (Refer Fig. 1.) 1. Enclosure 1 is fabricated out of metal or wood or Fibre reinforced plastic or aluminum or a combination of these. The enclosure will be accessible to authorized persons by unlocking a door (not shown) located in the rear or front or the sides, depending on the design. Sufficient storage space will be available inside the enclosure to store the keyboard, mouse, stationary, spares and tools. 2. Touch screen monitor is identified by reference numeral 2. It is a CRT or LCD TFT type; Touch technology: Capacitive, Resistive, Surface Acoustic Wave, Infrared or Near Field Imaging type. 3. Microprocessor 3 along with Memory, Hard disk. Floppy disk, CD-ROM and associated hardware like modem, network connectivity, required device drivers (not shown) and a set of Software instructions to dynamically generate and display on the touch screen the transaction instructions and the result of such transactions to effect the following results: • To display the main menu on touching the welcome screen or touching the Main Menu button on the monitor screen; • Display graphics in a predetermined sequence depending on the transaction selected to be conducted; • To control operations of the various hardware devices described herein after; • Allow user inputs using the on-screen keyboard like account number, PIN, amount, scroll location, backspace using Button-C, operation OK using Button- OK; • Read the magnetic characters sensed by MICR Reader; • Read & verify such input information by checking with the database; • Generate a transaction number as per predetermined criteria; • Updating the database; • To track transactions by keying transaction number or, account number, PIN, finger print, name; • Outputting required information to the printer for printing as per predetermined formats; • Allow restricted access to format graphics. Instructions, languages; • Generate Alarms when authentication conditions are not met; • Capable of operating automatic doors after verifying Identity; and • Capable of communicating with different Operating Systems and Database. 4. Other hardware components (Refer to Fig. 1): (inclusive of necessary cables for connectivity & software drivers) 4a. Receipt Printer 4b. Alphanumeric Keypad 4c. Barcode Printer 4d. Barcode Scanner 4e. MICR Reader 4f Biometric Fingerprint Scanner 4g. Magnetic Swipe Card Reader 4i. Smart Card reader/ writer 4j. Web Camera 4k. Alarm System: Visual or Audible. The ATK-100 is connected to the database (DB) and the computer (5) in the bank through cables. Since it is well known as to connections should be made, the figures do not show the cables necessary to establish connectivity. DGl shows a screen display Graphic on Touch screen monitor 2. This is the Main Menu. • It is understood that the button images, Bank Name, Welcome message and Instructions may be formatted or edited to any functionally acceptable size, color, location, grammar or language on the screen as per the desire of the service provider. • This applies to all such button images, graphic prompts, display graphics and Print out formats that have been shown in the document for ease of explanation. • These button images may be located together on a single Display Graphic or separately on several Display Graphics as per the convenience of the ATKIOO service provider. • To aid the user to navigate better, the user may add image buttons to control actions like 'previous display', next display', 'go to ', if & when necessary. A user starts a transaction by touching a button image pertaining to the service required. Each of the button Images once touched will lead the user through a predetermined sequence of display graphics that will appear on the ATKIOO monitor screen-2. These Display Graphics will display Information, animated graphics and Instructions for the user to conduct transactions intuitively & in a simple maimer. Every printout from the printers- 4a and 4d will by default have the time, date, bank, branch details, transaction type, account number, name of account holder and a distinct transaction number. Other details on the printout will depend upon the transaction type. operating Features: The operation of the touch screen kiosk is explained hereinafter. It may be noted that the Display Graphics and the Print Outs are shown as samples for purpose of illustration. The Instruction - ENTER ACCOUNT NUMBER, PIN, AMOUNT means that the user enters his / her account number using the on-screen alpha- numeric keypad, using B-C (Button -C) to correct wrong entries & touching B-OK to transit to the next Display Graphic and action as per the sequence of that particular transaction. Function: Withdrawal Touching the button Imagel-Withdrawals in Figure 1 initiates change from DGl to DG2. l,Function; Withdrawal- Self: Touching button image -Self (B-Self) in DG2 will change DG2 to DG3. Refer to Flowchart FCl. In FCl, BLOCK 10 checks whether the entered account number matches with at least one entry in the existing database. If NO then DG3 displays a new Instruction stating wrong entry and to re-enter account number. Re-entering is permitted for a maximum of 3 attempts after which an alarm is initiated. If a match is found in the database, the display changes to DG4. BLOCK 20 checks if the PIN entered in DG4 matches with the PIN recorded against the entered account number in the database. A correct match changes display to DG5. Wrong entry scenario is same as above. BLOCK 30 checks if the amount entered is within peraiissible limits set by the bank. If YES then display changes to DG6, and Receipt Printer 4a prints token with transaction details as shown in Printout 1 (POl). The display changes to DGl after 5 seconds. The person having completed the transaction at the ATKIOO, collects the token from the printer 4a, affixes signature, surrenders the token to the Cashier and collects Cash as stated in the transaction. Option: The person can transfer amount to another account 'X' within the same branch. Refer FCl-(Option). After BLOCK30, DG32 is displayed, BLOCKIO checks if the entered account number of beneficiary exists and displays the name of account holder in DG33, and the value of amount to be transferred is displayed. Touching B-C changes display to DG32, Touching B-OK debits amount from account and credits to account 'X' and printer 4a, prints token with transaction details as shown in Fig P07. 2.Functioii Withdrawal; Bearer Touching B- Bearer in DG2 changes graphic to DG3 as shown in FC2. In FC2, BLOCK 10 & BLOCK 30 - procedure is same as in FCl explained above. If the amount entered is within permissible limits set by the bank, display changes to DG6. The display then changes to DGl after 5 seconds. The person having completed the transaction at the ATKIOO, collects the printout (P02) from the printer 4a, surrenders token & cheque to the Cashier, who verifies the cheque & token and delivers Cash as stated in the transaction & mentioned in cheque. The ATKIOO service provider may also alter this procedure as follows: The user may get the P02 & cheque verified by the clerk before going to the cashier. Option 1: DG3 & BLOCK 10 can be replaced by DG3.1 & BLOCKlO.l, as shown in FC2.1, where instead of entering Account number, the cheque number can be entered. BLOCKlO.l will match the cheque number with the account number against which it has been issued. Rest of the procedure is same as above. Option 2: DG7 & BLOCK 50 can replace DG3 & Bloc 10, where mstead of entering Account number, the display prompts the user to insert cheque into MICR Reader. BLOCK 50 reads the Magnetic Characters on Instrument, searches for the place, branch, and cheque mraiber in the MICR Code Directory and locates the account number pertaining to the issued cheque. Rest of the procedure is the same as above. Function: Deposits Touching Button image 3 in DGl, changes display to DG9. 3.Fimctioii: Deposits - Cash; Touching B- CASH changes DG9 to DG3 as shown in FC3 In FC3, BLOCK 10 operation is same as explained above Amoimt to be deposited is entered in DG5 and on touching B-OK the display changes to DGIO. Printer 4a prints pay-in slip P03. After 5 seconds display changes to DGl. User enters the denomination of currency, affixes signature and hands over to Cashier. 4, Function: Deposits - Instrument: Touching B- Instrument changes the display from DG9 to DG3 as shown in FC4. In FC4, BLOCK 10 operation is same as explained above. Amount to be deposited is entered in DG5 and on touching B-OK the display changes to DGl 6. DGl6 asks for number of cheques to be deposited. Upon entering number of cheques & touching B-OK display changes to DG7, which instructs the user to insert cheque into the MICR Reader 4e. BLOCK 50 reads the Magnetic Characters on Instrument, searches for the place, branch, and bank details in the MICR Code Directory. Display changes to DGl 7 that instructs the user to remove check from MICR Reader output, and asks if there are any more cheques to be deposited. On Touching B-YES, Display changes to DG5. Touching B-NO changes display to DG8 after 5 seconds changes to DGl. The user collects the print out PCM & Instruments, afiBxes signature and hands over to Clerk at counter who stamps the slip and returns the counterfoil to the user. Option: refer FC4.1 DG3 & BLOCKIO operation is same as explained previously. In DG7.1 user enters the MICR CODE ie the entire code comprising cheque number & bank code. BLOCKS 1 searches for the bank details in the Code Directory. DG5 asks for the amount of cheque and BLOCK 40 prints the pay-in slip P04. S.Function: Purchase Instrument: Touching B- 3 on DGl changes the display to DG3. Refer to FC5. In FC5, BLOCK 10 checks whether the entered account number matches with at least one entry in the existing records. If NO then DG3 displays an Instruction stating wrong entry and to re-enter account number. Re-entering is permitted for a maximum of 3 attempts after which an alarm is initiated. On a correct match display changes to DG4. BLOCK 20 checks if the entered PIN matches with the PIN recorded against the entered account number in the records and on a correct match, display changes to DG5. Wrong entry scenario is same as above. BLOCK 30 checks if the amount entered is within permissible limits set by the bank. If YES then display changes to DGl 1. DGll enables the user to select the geographical location where the Instrument will be payable at. Here the user can key in the location name using the on-screen virtual alphabetic keyboard OR touch the B- SEARCH whereupon the display changes to DGl 2. In case the user keys in the location, then a check is performed in BLOCK 70 in FC5 to ascertain that the bank has a branch in that location. If the check is OK then in BLOCK 55 commission for the amount of Instrument purchased and the total amount is calculated and the display changes to DG13. DG12 enables the user to scroll UP or DOWN and select one of the locations that have been entered in the records. (A multiple level search can be incorporated e.g. first level could be locate region, second level search could be search city) After selecting the location the user touches B-OK. In this case there will be no need to check if the location exists and here BLOCK 55 calculates commission for the amount of Instrument purchased and the total amount and the display changes to DG13. DG13 shows the amount, commission, total and location payable. B-C can be used to correct any previous entries is touching B-C will return the display to the previous display. If OK, user touches B-OK and initiates BLOCK 60 where the details are printed as shown in P05. DG6 prompts the user to collect printed slip, enter the name of the beneficiary manually, and present the application to the accountant. 6, Function; Check Balance and Print Statement On touching Button Image- Balance (this button image may be located in Main Menu or under General Information as per the service providers choice), the DG will change to DG3 as shown in FC6. After accessing the account by satisfying the authentication conditions, DG14 is displayed. Here further actions may be performed if user desires by touching on the button images - PP, NP, PS, MM or exit. This is performed in BLOCK 75. Touching B-PP, will display the previous page of the account transactions. B-NP will display the next page B-PS will initiate print action of the page displayed -P06 B-MM will display the Main Menu- Figl B-exit will change display to the looping display Function: Any Branch Banking: Functions like A. Cash with&drawal- Self, B. Cash Withdrawal - Bearer, C. Cash Deposit, E. Purchase Instrument and F. Check Balance & Print Statement can be performed from any bank branch within certain geographical areas decided by the ATKIOO service provider. It could be within city limits, within districts, within states or within the country. The description below details the case in which transactions can be conducted within the country. 7,Function: Any Branch Banking- Cash Withdrawal- Self; Assume the user has an account in Bankl, Branchl, located in Cityl, which is located in StateL The user wishes to transact the above function using an ATKIOO, located in Bankl, Branchl 0, Cityl 0, and StatelO where the user does NOT have an account. Refer FC-10 DG20 allows the user to locate State 1, using the scroll buttons. On touching B-OK the list of cities in State 1 where Bank 1 has branches is fed the list into the search table of DG21. DG21 allows the user to scroll the list in the table and locate City 1. On touching B-Ok in DG21, the list of branches of Bankl existing in City 1 is fed into the search table in DG22. In DG22, user locates Branchl where he/she has an account and touches B-OK. DG23 allows the user to enter account number, PIN & amount. BLOCK 100 connects ATKIOO in BranchlO, CitylO to the computer in Branchl, Cityl which could be by using Transmission Control Protocol / Internet Protocol (TCP/IP) and establishes Identities at both ends. BLOCKllO sends the Account number, PIN and amount entered in ATKIOO at BranchlO, City 10 to computer in Branchl, Cityl. BLOCK120 the computer in Branchl, Cityl checks if the Account number, PIN & amoimt is as per records and whether it can be permitted. If the parameters do not match then the computer informs the ATKIOO in Branchl0 to display graphics DG 24 to correct the erroneous parameter. Even after 3 attempts if any of the parameters do not match then an alarm is activated and connection is disconnected. If the Check result is OK then in BLOCK 130 computer in Branchl, Cityl authorizes ATKIOO in Branch 10, City 10 to accept the transaction. BLOCK140 disconnects the established link to Branchl, Cityl and stops the Timer. The communication charges and applicable commission is calculated as per norms. BLOCK40 instructs the printer 4a of ATKIOO in BranchlO, CitylO to print receipt that has all details of the transaction similar to POl but with more details, as required by the service provider. The User collects the receipt, affixes signature and collects cash from the Cashier in BranchlO, CitylO. Option: Instead of DG21 in FCIO, DG7.1 can be displayed where the user can enter the MICR code indicating the place, branch & bank details, BLOCK 60 searches for the place, branch & bank details against the code and if yes displays DG23 and rest of the procedure is followed. If not alarm is activated. BLOCKIOO action and the rest of the procedure follow as per FCIO. SJunction; Any Branch Banking- Cash Withdrawal- Bearer: This function allows a bearer cheque to be encashed in the same bank, any branch in any city. Assume that a person having an account in Bankl, Branchl, Cityl issues a bearer cheque to person in CitylO. Using the ATKIOO located in any branch of Bankl, City 10 the bearer can withdraw cash. Refer FCll The bearer presents the cheque to the accountant who verifies the date and eliminates the possibility of the cheque being a counterfeit and grants permission to the bearer to use the ATKIOO. The bearer navigates to the menu option: Any Branch Banking - Cash Withdrawal- Bearer. DG7 is displayed which instructs the bearer to insert the cheque into the MICR Reader 4e of ATKIOO in CitylO. BLOCK 50 reads the Magnetic Ink Characters on the cheque and searches for the place, branch, and bank details in the MICR Code Directory. If code has a problem then alarm is activated else DG30 is displayed where user enters the cheque number and the amount mentioned in the cheque. BLOCKIOO the ATKIOO in City 10 establishes connection with Bankl, Branchl, and Cityl same as explained in previous function. Then BLOCK210 sends the information entered in DG30 ie the account number, cheque number and the amount entered in DG5 to the computer in Bankl, branchl, Cityl. In BLC)CK220, the computer in Bankl, branchl, Cityl checks whether the cheque number matches with the cheque issued to that account number and whether there is sufficient balance or not. If there is no match then the DG30 instructs the user to correct the wrong entry. More than 3 attempts will trigger an alarm. IF BLOCK220 condition is OK then BLOCK230 Instructs the Bankl, CitylO branch that payment may be authorized subject to manual signature verification and sends the signature sample as per records of the cheque issuer to the computer. Line is disconnected. In BLOCK240 the accountant in the branch Cityl manually verifies the signature on the cheque with the sample sent which appears on the accountants computer monitor screen as shown in DG31. If the Accountant finds the signature OK, then he enters his authorization code into DG31. If not satisfactory, transaction is cancelled. BLOCK250 calculates the details of the transaction including charges deducted as commission and communication expenses as per the norms of the Bank. BLOCK 40 prints receipt with relevant transaction details. The bearer affixes signature on the receipt and collects cash firom the cashier Option 1: Instead of DG7 being displayed DG7.1 can be displayed where the user is prompted to enter the MICR code ie the cheque number and the code indicating the place, branch & bank. BLOCK 60 searches for the place, branch & bank details against the code and if yes displays DG30 and rest of the procedure is followed. If not alarm is activated. Option 2: Instead of entering MICR Code, or inserting Cheque into MICR Reader the User can search for the location, branch & bank using DG20, DG21, and DG22. Remaining procedure follows as per FC11. 9,Fimction: Any Branch Banking- Cash Deposit: This function allows a person holding an account in Bank 1, branchl, Cityl to deposit Cash in Bankl, any branch and any city. Refer FC12 DG20, DG21, DG22, DG3 and DG5 allow the user to locate the branch where the accoimt exists and enter the accoimt mmiber & amount to be deposited. On touching B-OK in DG5 the pay-in slip is printed which is similar to P03 Avith a few more details. The person remits cash with the pay-in slip. This amount is credited to the person's account in branchl, cityl. 10,Function; Any Branch Banking- Purchase Instrument: This function allows a person holding an account in Bank 1, branchl, Cityl to purchase an Instrument from Bankl, any branch and any city. Refer FC13. The person uses the ATKIOO in any branch, any city to access the account similar as explained previously. BLOCK99 allows search for location (same as in 5. Function -Purchase Instrument), calculates commission and adds it to the amount of Instrument mentioned in DG23 and totals. BLOCK 100 -BLOCK140 is same as in 5. Function-Purchase Instrument. BLOCK 140 adds the extra cost of conmaunication & other charges. The Instrument application is printed in BLOCK40. DG6 prompts the person to collect application from printer. Person enters beneficiary details and hands over to Accountant. Display changes to DGl after 5 seconds. Optional Features Configurable for Authenticating User Identity: a. Biometric Fingerprint Identification: Opting for this feature will imply that users need not enter PIN to conduct transactions that require PIN entry. Thus BLOCK20 appearing in FCl, FC4 will be substituted by BLOCK80 as shown independently in FC7. GD4 will be substituted by DGl 5 where instructions on which finger can be placed and the position of the fingerprint scaimer -4f in the ATKIOO can be indicated. In case of records not matching even after 3 attempts, alarm will be activated. In this case Retina based Identity check could also be implemented. b. Alphanumeric Keypad: An alphanxraieric keypad - 4b can be integrated at the Cashier / Teller. The user may be asked to re-enter the PIN on the numeric keypad as a cross check before cash is delivered, in tihie case of 1. Function: Withdrawal - Self A correct PES[ entry will match with the transaction conducted, and verify the user. Wrong entry will imply that the credentials of the person demanding cash are doubtful. This option can be used in conjunction with the choice and procedure of getting a print out with transaction details OR entirely dispensing with the print out for cash withdrawal - Self-transactions. c. Barcode Printer: For transactions in numbered paragraph 1 above i.e. Function: Withdrawal - Self, barcode printer- 4c can be configured to ou^ut a printout that will print the transaction details in the form of a barcode in the case of a successful transaction. This bar-coded printout can then be handed over to the cashier / teller who will scan this printout using a barcode scanner- 4d which will read and display the details of the transactions on a computer monitor display located at the cashier's worldlace. d. Magnetic Card Reader: Customers can be issued magnetic swipe cards that can be swiped at the Swipe card reader -4g. This will eliminate the steps where the user is required to enter account number. The user only needs to enter PIN and continue the subsequent procedure instructed by the ATKIOO, e. Smart card reader/ writer Customers can be issued Smart cards, which when inserted into the Smart Card Reader / Writer: - 4i identifies the user. Only the PIN needs to be entered and continue with the transactions. Depending on the facilities incorporated in the Organization, the Smart card can be updated with the latest transactions. f. Web Camera: A web camera - 4j can be located in the ATKIOO, which will capture a photograph of the user after each successful transaction. In case the user is an account holder then photograph can be compared with the existing photograph in the records together on the computer monitor screen located at the cahier / teller workplace. In case the person is encashing a bearer's cheque is the user is not an account holder then the photograph can be stored against that transaction for a limited time period. In case of any fraud in the future the bank authorities will have some lead to follow. General: The Invention has been detailed with an arrangement of hardware devices, features and a process of operations to result in particular transactions. However many more similar or newer transactions will be possible using, omitting or altering the process and features. To name a few: It will be possible to include further validation checks such as *check for stop-payment Instructions' issued for bearer withdrawals. It will be possible to deploy this kiosk in a merchant establishment to enable payments to be transferred to merchant for services availed from Customer's account by customer. It will be possible for a person to withdraw cash-self without a printed token, using only a web cam, or only numeric keypad, or with only the cashier monitoring the transaction. It will be possible to configure a set of speakers to play recorded voice instructions to instruct the user to conduct transactions. It will be possible to allot a one time PIN dedicated to a particular amount of cash, which can be supplied to a beneficiary located in another city, who can use the ATKIOO to withdraw cash for the single occasion. It will be possible for a person to deposit a cheque in any city. It will be possible for a person to check account balance and get an account statement from any branch, in any city. It will be possible for a person to change PIN. It will be possible to person to make deposits into loan accounts. It will be possible to Issue Standing Instructions. It will be possible for an administrator to monitor the transactions in a network scenario. It will be possible that, high-risk, non-secure areas during late hours, having conducted a transaction in the lobby, the user could need to enter PIN or swipe card to access entry to the premises to receive cash. It will be possible to transfer cash from account to a smart cash card. (Load a smart card) It will be possible to make Utility bill payments. I CLAIM: 1. A self service transaction process conducted by using an 'interactive user interface' in a touchscreen kiosk AND the services of a single staff (personnel) to deliver retail banking services within a bank branch premises. 2. A self service transaction process using a touchscreen kiosk AND the services of a single staff (person) to issue tickets and receive payment within the railway station, bus station, airlines or airport premises. 3. A self service transaction process using a touchscreen kiosk AND the services of a single staff (person) to issue PNR number and receive payment within a bank branch premises. 4. A self service transaction process using a touchscreen kiosk AND the services of a single staff (person) to issue PNR number and receive payment located at any merchant establishment, outside the railway station, bus station, airlines or airport premises. 5. A self service transaction process using a touchscreen kiosk AND the services of a single staff (person) to deliver retail banking services at any merchant establishment outside the bank branch premises 6. A self service transaction process using a touchscreen kiosk AND the services of a single staff (person) to accept utility bill payments within a bank branch premises 7. A Self-service Touchscreen kiosk for use in Banks comprising: a. A touchscreen enabled monitor; b. Microprocessor, Memory, Hard disk. Floppy disk, CD-ROM and associated hardware like modem, network connectivity, required device drivers and a set of Software instructions to dynamically generate and display on the touch screen the transaction instructions and the result of such transactions; c. A printer; d. MICR (Magnetic Ink Character Recognition) Reader and e. A known kiosk enclosure having a lockable door, power distribution points, castor wheels, leveling screws, fans for ventilation, provision to fix translite and sufficient space to fix the parts mentioned in steps a to d. 8. A Self-service Touch screen kiosk of Claim 1, further comprising a sequence of interactive operations performed by user on kiosk and with bank personnel. 9. A Self-service Touch screen kiosk of Claiml & 2, comprising a camera such as a web camera. 10. A Self-service Touch screen kiosk of claim 1 to 3, comprising a biometric identification system. 11. A Self-service Touch screen kiosk of Claim 1 to 4, comprising a magnetic swipe card reader. 12. A Self-service Touch screen kiosk of Claim 1 to 5, comprising a smart card reader/ writer. 13. A Self-service Touch screen kiosk of Claim 1 to 6, comprising a barcode printer. 14. A Self-service Touch screen kiosk of Claim 1 to 7, comprising an alphanimieric keyboard. 15. A Self-service Touch screen kiosk of Claim 1 to 8, comprising an Alarm (audible/Visual). 16. A Self-service Touch screen kiosk of Claim 1 to 8, wherein the said software instructions execute one or more of the following: a. To display the main menu on touching the welcome screen or touching the Main Menu button on the monitor screen; b. Display graphics in a predetermined sequence depending on the transaction selected to be conducted; c. To control operations of the various hardware devices (4a--4d and others mentioned under General); d. Allow user inputs using the on-screen keyboard like account number, PIN, amount, scroll location, backspace using Button-C, operation OK using Button- OK; e. Read the magnetic characters sensed by MICR Reader; f Read & verify such input information by checking with the database; g. Generate a transaction number as per predetermined criteria; h. i. Updating the database; j. To track transactions by keying transaction number or, account number, PIN, finger print, name; k. Outputting required information to the printer for printing as per predetermined formats; 1 Allow restricted access to format graphics. Instructions, languages; m. Generate Alarm when check conditions are not met; n. Capable of operating automatic doors after verifying Identity; and o. Capable of communicating with different Operating Systems.

Full Text

FIELD OF INVENTION:
This invention relates to a self-service transaction process for use in retail banking, ticketing and the like and a touchscreen monitor combined with a computer system, executable software to control a defined sequence of operations and a variety of devices that allow a user to conduct a variety of banking transactions in an efficient manner.
BACKGROUND:
Touchscreens, by their inherent intuitive characteristics, are finding increasing use in self-service kiosk applications. Particularly for transaction kiosks, it becomes very efficient to provide a specific choice of descriptive icons to aid a user to touch upon which the display changes in a predetermined sequence. This sequence is designed to result in a particular transaction being completed. In kiosk environments a keyboard is not accessible hence the user can only touch icons on the screen, thus the chances of accidentally or intentionally tampering or accessing information other than what is required is eliminated. The user cannot switch off the computer or alter any of the settings.
In a transaction kiosk applications the software will be capable of allowing the user to enter information using an on-screen virtual keyboard that has only those keys that are required to input information. To correct wrong inputs a backspace button can be provided. Apart fi-om these the software can allow the user to scroll up or down a table and select one of the options. Touching the OK icon will imply the information input is OK and the GUI (Graphic User Interface) reads the information & performs checks with the database as per the requirement of that transaction step and displays the next screen as per the sequence. If the check results are not OK, relevant screens can be displayed as per predetermined criteria say, to allow the user to try again a number of times. This allows authorizing the user to perform transactions after the Identity is verified.
Information can be captured by, or output to a variety of devices connected to the kiosk like MICR reader, magnetic card, smart card, web camera, receipt printer, barcode printer, biometric sensor etc.

Transaction kiosks are useful to perform repetitive, high frequency tasks which otherwise would be performed by persons leading to longer waiting times, varying efficiencies 8L possibilities of errors.
CURRENT SCENARIO:
1. Retail Transactions in Banks:
Banks across India have been following a procedure for over 40 years at the Customer front end, for simple transactions like cash withdrawal, cash deposits. Instrument Purchase, check balance, print statement etc.
Millions of customers, on a regular basis have to undergo cumbersome procedures to effect simple transactions as explained below.
The Method:
• To withdraw cash a customer fills up a cheque or a voucher which the clerk manually
examines, issues a metal token, enters & updates the transaction using a computer terminal, which is again verified and approved by an accountant on another computer terminal and then passed over to the cashier, who calls out the token number and the customer hands over the token & collects cash.
• To deposit Cash or an Instrument, a pay-in slip is filled in duplicate-triplicate in some cases (account number, date, amount in figures & words and signature), cash is given to cashier who counts & stamps counterfoil, and Instrument is given to clerk who verifies & stamps counterfoil.
• To purchase instrument, voucher is filled in duplicate (date, beneficiary, amount, commission, total, location), handed to clerk with a cheque payable to bank (or cash to cashier), clerk passes to accountant who prepares Instrument and hands to customer
• To update pass-book clerk receives it accesses account and updates using printer.
• To issue new cheque-book, clerk receives requisition, enters account number on each cheque leaf, records numbers against account numbers and hands over cheque book generally never on the same day.

Shortcomings & Problems:
It is very obvious to observe that these procedures create bottle-necks in the work process. The same clerk handles varied jobs which leads to increased waiting times when customer traffic is high. A customer wishing to conduct a simple transaction needing a few minutes has to needlessly wait for other customers' transactions in process to be complete; after filling up mundane details like date, account number, name in duplicate.
To elaborate- issuing withdrawal slips, checking for withdrawal, updating pass book, issuing cheque book, opening new accounts is performed by the clerk. A sub-staff moves vouchers & tokens to & fi"o between the clerk, accountant and cashier. The accountant verifies every withdrawal, issues Instruments, allows OD, verifies new accounts, accepts Investments, authorizes loans etc. The clerk issues & accepts cash. Each of these staff possesses varying degrees of efficiency, patience and capacity for repetitive tasks.
The existing method in spite of computerization results in crowding at service counters, long queues harassed staff & customers. Besides, under the above circumstances, cash & non-cash transactions being serviced in the same area poses a risk to customers as any person (with possible devious intentions) can walk into a bank branch and pose innocent queries about certain banking services. Aged persons, disabled persons find it very tedious to perform simple transactions.
The following URLs are included herein by way of reference wherein the current banking scenario is discussed in detail:
http://www.banknetindia.com/
http://www.banknetindia.com/banking/features.htm
http://www.banknetindia.com/banking/art.htm
http://www.banknetindia.com/anking/bsoftware.htm
http://www.banknetindia.com/banking/bitpresentlevel.htm

The convenience that the current banking system provides for personal as well as business purposes is limited by the fact that these transactions need to be conducted from the branch where the account exists.
• Cash withdrawal is not possible in any branch (other than branch where account exists) of the same bank (without magnetic swipe card or smart card).
• Cash Deposit is not possible at any branch of the same bank (other than branch where account exists).
• Instrument Purchase is not possible at any branch of the same bank (other than branch where account exists).
• Standing Instructions cannot be issued from any branch of same bank (other than branch where account exists).
• Account Balance cannot be checked from any branch of the same bank (other than branch where account exists).
In trying to leverage a wide presence across the coimtry, banks in India are exploring initiatives to deploy the latest in Banking Automation Software like:
i) Stand-alone branch-level packages-
These are usually written in FoxPro, C or Dbase and handle specific functions at branches;
these are sometimes networked on a LAN to simulate a TBA environment. But there are also
high-end packages with a central Server (which can be a Pentium PC or NT or a MINI or
even a Main Frame, supported by multiple (dumb or intelligent) terminals. Some of them use
sophisticated RDBMS like ORACLE as back-end and provide user-friendly front-end with
Windows GUI.
ii) Multi-branch solutions -
These are used to network a cluster of branches in a city (or spread over several cities); the
account maintenance can be central (where facilities like Anywhere Banking are required) or
can be distributed, networking being achieved through Wide Area Network (WAN) on
terrestrial lines / high speed lines/ satellite networks - and now even wireless.
iii) Foreign Packages -

Examples are Bank Master, Kappiti, Sanchez etc. These need to be extensively customized to
suit Indian requirements - but their strength he in their proven capabilities in developing and
offering modem / global banking products / services that India is just ushering in.
iv) Packages for specialized niche areas -
Like Asset Liability Management (ALM), Treasury Management, Trading / Dealing Room
activities. Custodial Services/ Depository Participant etc. These are high-end packages with
sophisticated analytical and decision tools.
v) Service Branch / high-volume transaction processing packages -
These include, clearing, drafts issue/ payments / reconciliation (Remittances), Bills
(payments/ collection/ purchases). Dividend Warrant Processing, inter-branch reconciliation
etc. These are often developed and implemented by service providers to whom the work is
outsourced.
vi) IT Services -
These are not Packages in the sense, these are developed to handle specific problems like
disaster recovery, virus protection, security handling, linking / networking multiple legacy
systems between themselves or to new platforms or to new delivery chaimels like ATMs, etc.
New initiatives like Net-Banking, Tele-Banking, Mobile-Banking, are being deployed, but these can cater to only a fraction of the population with the situation in about 40,000 odd branches remaining unchanged.
The Banking automation software available in the market does not focus on improving the service times or overcome the shortcomings existing at the front-end customer service counters.
There is no definite solution that will:
• Simplify, streamline & optimize the workflow at the customer front-end
• Eliminate, minimize the bottle-necks & problems at service counters
• Allow flexibility to withdraw, deposit cash, purchase Instrument in any branch (without magnetic / smarts).

2. Ticket Purchase for Railways, Bus and Airlines
The procedure to purchase journey tickets for travel by railways, road or air is very old and entirely manual in spite of computerization.
Railway Stations
A customers checks accommodation availability status for a particular train and fills up a form and stands in the queue. On reaching the ticket window, hands over the application form, to clerk who again checks the status, enters all information, allots seats, collects payment in Cash or Credit card, prints tickets and hands over ticket to customer.
The problems faced by the customer is that of finding out the available trains, selecting a train, then coming to the railway station to check if accommodation is available or not, then alter the joumey dates and then fill up the form, then stand in a queue. After all this. By the time the customer reaches the ticket window, the accommodation status may have changed. To select a train, a railway time table can be used. To check accommodation customer refers to the status display which depicts availability by green & red tokens or on an electronic display board. In smaller stations this information is given at enquiry counters.
The traveler does not have a choice in the seats allotted. A group of passengers may be allotted separate seats. Senior citizens or ailing persons may be allotted top berths or seats far away from the doors making it difficult to board and alight.
This procedure leads to a lot of delay and long queues and inconvenience to the traveler. Also
as payment by credit card is not popular, the payment has to be made in cash which means an
additional task has be performed by withdrawing from a bank.
Long queues, big crowds are, in today's context a very big security risk.
Advance joumey tickets can be booked on the Intemet. But this facility is restricted to a small
population who are comfortable with using computers and cannot be used in semi urban or
rural places. Also there is an extra cost (Rs.30 per ticket) charged to deliver the tickets by
courier.

Bus Stations
The procedure is almost similar. The bus schedule is displayed in the bus stands, or traveler
makes enquiries at the enquiry counters. They then go to the ticket window verbally convey
their travel schedule, the clerk books ticket using computer system and prints ticket, collects
payment and issues ticket to passenger. This procedure is for advance ticket booking.
For current booking, the passengers board the bus (rush in without queue) and occupy seats.
The bus conductor then enters the bus and issues ticket to the passengers.
Though bus routes are scheduled, passengers have to wait and push their way whenever a bus
arrives. There is no system of a passenger queue for buses traveling on a common route.
Air travel
Air tickets are generally purchased through travel agents or airline ticketing offices. Though such a booking can be conveyed on the telephone the ticket has to be physically collected or delivered in person. If a person stays in a place where there is no airport or travel agents then he is dependent on a friend or a contact to book a ticket and deliver it. This entails extra communication costs.
While checking in at the airport, there is a queue at the check-in counter. Baggage has to be checked in and a boarding pass has to be collected. Seats are allotted by the counter staff normally without a proper choice. Persons without check-in baggage, frequent travelers have to stand in this queue.
OBJECTIVES OF THE INVENTION
This Invention makes the process of such transactions very fast, convenient and efficient. Long queues, crowding is eliminated and the process of conducting such transactions becomes very comfortable and easy.
It is a further objective of the invention to provide a new, simple method to facilitate retail-banking transactions using a touch screen transaction kiosk that offers self-service with the following features & advantages:
• Optimal sequence of operations by user
• User friendly, training for usage not required

Reduces waiting time for customers Reduces crowding at service counters First-come-first-serve Multi-lingual
Customers are not made to wait for jobs in queue Customers need not interact with bank staff for simple queries Saves time & effort put in by Bank staff in performing repetitive & mundane chores Frees up bank staff to offer better personalized services Utilize existing human resources for better operations Improve the work process flow
Allows customers to withdraw / deposit cash. Purchase Instrument, Issue Standing Instructions, Transfer Cash from any branch Improve the security in bank premises
Allow the banks to expand services with minimum infrastructure Deployable at Merchant establishments to accept payments by fund transfer Scalable to adapt to new technology Economical to purchase & maintain
Portable: can be located within premises or at external establishment Minimizes use of paper vouchers, cheques Can be designed to be user friendly for the disabled.
This invention will now be described with reference to the accompanying drawings, wherein:
Fig 1 shows the self-service kiosk system ATK-100;
Fig 2 shows the connection between ATK-100, the database and the computer in the bank;
Display Graphics DGl to DG33 shows the various screen displays during operation;
Flow Charts FCl to FC13 shows the operational chart during various transactions; and
Print outs POl to P07 shows the various print outs that can be generated after the
transactions.

DETAILED DESCRIPTION OF THE INVENTION:
This invention combines the functionality of a touchscreen monitor, computer system, executable software and several hardware devices, to enable a new method of self-service transactions to be performed such as the following:
a. banking and
b. ticketing transactions
The Invention is a transaction method, represented in the work process flow charts as follows:
1. ATKIOO for conducting banking transactions

2. ATKIOO for conducting ticketing transactions.

Method:
a. Passenger conducts transaction and books ticket on ATKIOO (detailed explanation of
this procedure explained under ATKIOO self service ticketing Transactions Box 2
Block B below)
b. Passenger collects printed receipt with queue number and waits for number to be
called.
c. When counter clerk calls the number, passenger makes payment and collects ticket.

Method:
1. Customer selects Cash Deposit
2. Customer enters Account number
3. Customer enters deposit Amount
4. Customer collects Printed Challan
Note:
This is a brief description of the method of conducting 2 types of retail banking transactions.
Other transactions are mentioned in full details in Annexure 1.
Description of ATK100 self service Ticketing transactions (Box 2. Block B) The ATKIOO is connected to the database, enterprise application network of the service establishment like Railways, Bus transport and Airlines. The User Interface extracts relevant information like vehicle schedules, seating acconmiodation, fare calculation etc and presents it to the user Interface.

A person wishing to travel, visits the Railway station and touched the welcome screen of the ATKIOO and follows the procedure given below:
1. The screen displays an instruction to enter the 'from' and Ho' station names for the journey.
2. On entering the station names, the screen displays all the trains connecting these 2 stations with the travel schedule and instructs the passenger to select one train.
3. On selecting one train, the screen asks for a date of journey along with preferred class of travel and number of tickets and individual age of passengers
4. On entering these details, the screen indicates if the tickets are available for that schedule along with the total cost of tickets and asks if the tickets are to be reserved
5. If the person touches 'yes' button then the reservation system blocks these specific tickets, prints a receipt with a queue number and travel schedule and all other details
6. The person takes the receipt, and waits for the queue number to be called by any ticket window clerk.
7. When the queue number is called, the person goes to the ticket window, gives the receipt, along with the requisite amount of money or credit card.
8. The ticket clerk prints the tickets and hands over to the person booking the tickets.
Note:
a. The User Interface will display the appropriate selection buttons like OK,
Cancel, Go to Previous screen, alphanumeric keys and exit which the
passenger touches to input information.
b. In case of advance reservation, the names of passengers and contact details
can be written manually in the space designed in the receipt depending on the
number of passengers mentioned in the transaction. The names and contact
details will be entered into the reservation system by the counter clerk.
c. On entering the age of the passenger, the system will automatically calculate
the concession fares for children and senior citizens
d. The passenger can also select specific seat numbers from the available
accommodation.

Purchasing a Bus ticket or airline ticket usim the ATKIOO
The general procedure is same as that for railway tickets.
Note: L The ATKIOO can be located in bank branches and connected to a transaction processing switch which can be interfaced to the enterprise application software. A person can book tickets from a bank branch and either pay cash at the cashier counter or ask for the amount to be debited from the bank accoxmt in that branch. In this case, a PNR (Passenger Name Record) number will be issued against payment for the ticket. The actual tickets can be collected from the ticket issuing authority against the PNR number prior to the joumey date. 2. The ATKIOO can be located at any third party merchant establishment that the bank approves and authorizes to conduct retail banking & other transactions on their behalf as a contract. The basic procedure will remain the same. General;
The Invention has been detailed with an arrangement of hardware devices, features and a
process of operations to result in particular transactions.
However many more similar or newer transactions will be possible using, omitting or
altering the process and features.
To name a few:
It will be possible to deploy this kiosk in a merchant establishment to enable payments to
be transferred to merchant for services availed from Customer's account by customer
It will be possible for a person to withdraw cash-self without a printed token, using only a
web cam, or only numeric keypad, or with only the cashier monitoring the transaction.
It will be possible to configure a set of speakers to play recorded voice instructions to
instruct the user to conduct transactions.
It will be possible to allot a one time PIN dedicated to a particular amoimt of cash, which
can be supplied to a beneficiary located in another city, who can use the ATKIOO to
withdraw cash for the single occasion.
It will be possible for a person to deposit a cheque in any city.
It will be possible for a person to check account balance and get an account

statement from any branch, in any city.
It will be possible for a person to change PIN
It will be possible to person to make deposits into loan accounts
It will be possible to Issue Standing Instructions
It will be possible for an administrator to monitor the transactions in a network scenario
It will be possible that, high-risk, non-secure areas during late hours, having conducted a transaction in the lobby, the user could need to enter PIN or swipe card to access entry to the premises to receive cash.
It will be possible to transfer cash from account to a smart cash card, (load a smart card) It will be possible to make Utility bill payments.
The following description illustrates the Banking transaction in detail.
The self-service kiosk system ATKIOO comprises: (Refer Fig. 1.)
1. Enclosure 1 is fabricated out of metal or wood or Fibre reinforced plastic or aluminum or a combination of these. The enclosure will be accessible to authorized persons by unlocking a door (not shown) located in the rear or front or the sides, depending on the design. Sufficient storage space will be available inside the enclosure to store the keyboard, mouse, stationary, spares and tools.
2. Touch screen monitor is identified by reference numeral 2. It is a CRT or LCD TFT type; Touch technology: Capacitive, Resistive, Surface Acoustic Wave, Infrared or Near Field Imaging type.
3. Microprocessor 3 along with Memory, Hard disk. Floppy disk, CD-ROM and associated hardware like modem, network connectivity, required device drivers (not shown) and a set of Software instructions to dynamically generate and display on the touch screen the transaction instructions and the result of such transactions to effect the following results:

• To display the main menu on touching the welcome screen or touching the Main Menu button on the monitor screen;
• Display graphics in a predetermined sequence depending on the transaction selected to be conducted;
• To control operations of the various hardware

devices described herein after;
• Allow user inputs using the on-screen keyboard like account number, PIN, amount, scroll location, backspace using Button-C, operation OK using Button- OK;
• Read the magnetic characters sensed by MICR Reader;
• Read & verify such input information by checking with the database;
• Generate a transaction number as per predetermined criteria;
• Updating the database;
• To track transactions by keying transaction number or, account number, PIN, finger print, name;
• Outputting required information to the printer for printing as per predetermined formats;
• Allow restricted access to format graphics. Instructions, languages;
• Generate Alarms when authentication conditions are not met;
• Capable of operating automatic doors after verifying Identity; and
• Capable of communicating with different Operating Systems and Database.
4. Other hardware components (Refer to Fig. 1): (inclusive of necessary cables for connectivity & software drivers) 4a. Receipt Printer 4b. Alphanumeric Keypad 4c. Barcode Printer 4d. Barcode Scanner 4e. MICR Reader 4f Biometric Fingerprint Scanner 4g. Magnetic Swipe Card Reader 4i. Smart Card reader/ writer 4j. Web Camera 4k. Alarm System: Visual or Audible.

The ATK-100 is connected to the database (DB) and the computer (5) in the bank through cables. Since it is well known as to connections should be made, the figures do not show the cables necessary to establish connectivity.
DGl shows a screen display Graphic on Touch screen monitor 2. This is the Main Menu.
• It is understood that the button images, Bank Name, Welcome message and Instructions may be formatted or edited to any functionally acceptable size, color, location, grammar or language on the screen as per the desire of the service provider.
• This applies to all such button images, graphic prompts, display graphics and Print out formats that have been shown in the document for ease of explanation.
• These button images may be located together on a single Display Graphic or separately on several Display Graphics as per the convenience of the ATKIOO service provider.
• To aid the user to navigate better, the user may add image buttons to control actions like 'previous display', next display', 'go to ', if & when necessary.
A user starts a transaction by touching a button image pertaining to the service required.
Each of the button Images once touched will lead the user through a predetermined sequence of display graphics that will appear on the ATKIOO monitor screen-2.
These Display Graphics will display Information, animated graphics and Instructions for the user to conduct transactions intuitively & in a simple maimer.
Every printout from the printers- 4a and 4d will by default have the time, date, bank, branch details, transaction type, account number, name of account holder and a distinct transaction number. Other details on the printout will depend upon the transaction type.

operating Features:
The operation of the touch screen kiosk is explained hereinafter. It may be noted that the Display Graphics and the Print Outs are shown as samples for purpose of illustration.
The Instruction - ENTER ACCOUNT NUMBER, PIN, AMOUNT means that the user enters his / her account number using the on-screen alpha- numeric keypad, using B-C (Button -C) to correct wrong entries & touching B-OK to transit to the next Display Graphic and action as per the sequence of that particular transaction.
Function: Withdrawal
Touching the button Imagel-Withdrawals in Figure 1 initiates change from DGl to DG2.
l,Function; Withdrawal- Self:
Touching button image -Self (B-Self) in DG2 will change DG2 to DG3. Refer to Flowchart FCl.
In FCl, BLOCK 10 checks whether the entered account number matches with at least one entry in the existing database. If NO then DG3 displays a new Instruction stating wrong entry and to re-enter account number. Re-entering is permitted for a maximum of 3 attempts after which an alarm is initiated.
If a match is found in the database, the display changes to DG4.
BLOCK 20 checks if the PIN entered in DG4 matches with the PIN
recorded against the entered account number in the database. A correct match changes
display to DG5. Wrong entry scenario is same as above.
BLOCK 30 checks if the amount entered is within peraiissible limits set by the bank. If YES then display changes to DG6, and Receipt Printer 4a prints token with transaction details as shown in Printout 1 (POl). The display changes to DGl after 5 seconds.
The person having completed the transaction at the ATKIOO, collects the token from the

printer 4a, affixes signature, surrenders the token to the Cashier and collects Cash as stated in the transaction.
Option:
The person can transfer amount to another account 'X' within the same branch. Refer FCl-(Option). After BLOCK30, DG32 is displayed, BLOCKIO checks if the entered account number of beneficiary exists and displays the name of account holder in DG33, and the value of amount to be transferred is displayed. Touching B-C changes display to DG32, Touching B-OK debits amount from account and credits to account 'X' and printer 4a, prints token with transaction details as shown in Fig P07.
2.Functioii Withdrawal; Bearer
Touching B- Bearer in DG2 changes graphic to DG3 as shown in FC2.
In FC2, BLOCK 10 & BLOCK 30 - procedure is same as in FCl explained above.
If the amount entered is within permissible limits set by the bank, display changes to DG6.
The display then changes to DGl after 5 seconds.
The person having completed the transaction at the ATKIOO, collects the printout (P02) from the printer 4a, surrenders token & cheque to the Cashier, who verifies the cheque & token and delivers Cash as stated in the transaction & mentioned in cheque.
The ATKIOO service provider may also alter this procedure as follows: The user may get the P02 & cheque verified by the clerk before going to the cashier.
Option 1:
DG3 & BLOCK 10 can be replaced by DG3.1 & BLOCKlO.l, as shown in FC2.1, where instead of entering Account number, the cheque number can be entered. BLOCKlO.l will match the cheque number with the account number against which it has been issued. Rest of the procedure is same as above.
Option 2:
DG7 & BLOCK 50 can replace DG3 & Bloc 10, where mstead of entering Account

number, the display prompts the user to insert cheque into MICR Reader. BLOCK 50 reads the Magnetic Characters on Instrument, searches for the place, branch, and cheque mraiber in the MICR Code Directory and locates the account number pertaining to the issued cheque. Rest of the procedure is the same as above.
Function: Deposits
Touching Button image 3 in DGl, changes display to DG9.
3.Fimctioii: Deposits - Cash;
Touching B- CASH changes DG9 to DG3 as shown in FC3
In FC3, BLOCK 10 operation is same as explained above
Amoimt to be deposited is entered in DG5 and on touching B-OK the display changes to
DGIO.
Printer 4a prints pay-in slip P03. After 5 seconds display changes to DGl.
User enters the denomination of currency, affixes signature and hands over to Cashier.
4, Function: Deposits - Instrument:
Touching B- Instrument changes the display from DG9 to DG3 as shown in FC4.
In FC4, BLOCK 10 operation is same as explained above.
Amount to be deposited is entered in DG5 and on touching B-OK the display changes to
DGl 6.
DGl6 asks for number of cheques to be deposited. Upon entering number of cheques & touching B-OK display changes to DG7, which instructs the user to insert cheque into the MICR Reader 4e.
BLOCK 50 reads the Magnetic Characters on Instrument, searches for the place, branch, and bank details in the MICR Code Directory.
Display changes to DGl 7 that instructs the user to remove check from MICR Reader output, and asks if there are any more cheques to be deposited. On Touching B-YES, Display changes to DG5. Touching B-NO changes display to DG8 after 5 seconds changes to DGl.

The user collects the print out PCM & Instruments, afiBxes signature and hands over to Clerk at counter who stamps the slip and returns the counterfoil to the user.
Option: refer FC4.1
DG3 & BLOCKIO operation is same as explained previously.
In DG7.1 user enters the MICR CODE ie the entire code comprising cheque number & bank
code.
BLOCKS 1 searches for the bank details in the Code Directory.
DG5 asks for the amount of cheque and BLOCK 40 prints the pay-in slip P04.
S.Function: Purchase Instrument:
Touching B- 3 on DGl changes the display to DG3. Refer to FC5.
In FC5, BLOCK 10 checks whether the entered account number matches with at least one
entry in the existing records. If NO then DG3 displays an Instruction stating wrong entry and
to re-enter account number. Re-entering is permitted for a maximum of 3 attempts after
which an alarm is initiated.
On a correct match display changes to DG4.
BLOCK 20 checks if the entered PIN matches with the PIN recorded against the entered
account number in the records and on a correct match, display changes to DG5. Wrong entry
scenario is same as above.
BLOCK 30 checks if the amount entered is within permissible limits set by the bank. If YES then display changes to DGl 1.
DGll enables the user to select the geographical location where the Instrument will be payable at.
Here the user can key in the location name using the on-screen virtual alphabetic keyboard OR touch the B- SEARCH whereupon the display changes to DGl 2.

In case the user keys in the location, then a check is performed in BLOCK 70 in FC5 to ascertain that the bank has a branch in that location. If the check is OK then in BLOCK 55
commission for the amount of Instrument purchased and the total amount is calculated and the display changes to DG13.
DG12 enables the user to scroll UP or DOWN and select one of the locations that have been entered in the records. (A multiple level search can be incorporated e.g. first level could be locate region, second level search could be search city) After selecting the location the user touches B-OK. In this case there will be no need to check if the location exists and here BLOCK 55 calculates commission for the amount of Instrument purchased and the total amount and the display changes to DG13.
DG13 shows the amount, commission, total and location payable. B-C can be used to correct any previous entries is touching B-C will return the display to the previous display. If OK, user touches B-OK and initiates BLOCK 60 where the details are printed as shown in P05. DG6 prompts the user to collect printed slip, enter the name of the beneficiary manually, and present the application to the accountant.
6, Function; Check Balance and Print Statement
On touching Button Image- Balance (this button image may be located in Main Menu or under General Information as per the service providers choice), the DG will change to DG3 as shown in FC6. After accessing the account by satisfying the authentication conditions, DG14 is displayed. Here further actions may be performed if user desires by touching on the button images - PP, NP, PS, MM or exit. This is performed in BLOCK 75.
Touching B-PP, will display the previous page of the account transactions.
B-NP will display the next page
B-PS will initiate print action of the page displayed -P06
B-MM will display the Main Menu- Figl

B-exit will change display to the looping display
Function: Any Branch Banking:
Functions like A. Cash with&drawal- Self, B. Cash Withdrawal - Bearer, C. Cash Deposit, E. Purchase Instrument and F. Check Balance & Print Statement can be performed from any bank branch within certain geographical areas decided by the ATKIOO service provider. It could be within city limits, within districts, within states or within the country.
The description below details the case in which transactions can be conducted within the country.
7,Function: Any Branch Banking- Cash Withdrawal- Self;
Assume the user has an account in Bankl, Branchl, located in Cityl, which is located in StateL
The user wishes to transact the above function using an ATKIOO, located in Bankl, Branchl 0, Cityl 0, and StatelO where the user does NOT have an account.
Refer FC-10
DG20 allows the user to locate State 1, using the scroll buttons. On touching B-OK the list of cities in State 1 where Bank 1 has branches is fed the list into the search table of DG21. DG21 allows the user to scroll the list in the table and locate City 1.
On touching B-Ok in DG21, the list of branches of Bankl existing in City 1 is fed into the search table in DG22. In DG22, user locates Branchl where he/she has an account and touches B-OK. DG23 allows the user to enter account number, PIN & amount.
BLOCK 100 connects ATKIOO in BranchlO, CitylO to the computer in Branchl, Cityl which could be by using Transmission Control Protocol / Internet Protocol (TCP/IP) and establishes Identities at both ends.
BLOCKllO sends the Account number, PIN and amount entered in ATKIOO at BranchlO, City 10 to computer in Branchl, Cityl.

BLOCK120 the computer in Branchl, Cityl checks if the Account number, PIN & amoimt is as per records and whether it can be permitted. If the parameters do not match then the computer informs the ATKIOO in Branchl0 to display graphics DG 24 to correct the erroneous parameter.
Even after 3 attempts if any of the parameters do not match then an alarm is activated and connection is disconnected.
If the Check result is OK then in BLOCK 130 computer in Branchl, Cityl authorizes ATKIOO in Branch 10, City 10 to accept the transaction.
BLOCK140 disconnects the established link to Branchl, Cityl and stops the Timer. The communication charges and applicable commission is calculated as per norms.
BLOCK40 instructs the printer 4a of ATKIOO in BranchlO, CitylO to print receipt that has all details of the transaction similar to POl but with more details, as required by the service provider. The User collects the receipt, affixes signature and collects cash from the Cashier in BranchlO, CitylO.
Option:
Instead of DG21 in FCIO, DG7.1 can be displayed where the user can enter the MICR code indicating the place, branch & bank details, BLOCK 60 searches for the place, branch & bank details against the code and if yes displays DG23 and rest of the procedure is followed. If not alarm is activated.
BLOCKIOO action and the rest of the procedure follow as per FCIO.
SJunction; Any Branch Banking- Cash Withdrawal- Bearer:
This function allows a bearer cheque to be encashed in the same bank, any branch in any city.
Assume that a person having an account in Bankl, Branchl, Cityl issues a bearer cheque to person in CitylO.

Using the ATKIOO located in any branch of Bankl, City 10 the bearer can withdraw cash.
Refer FCll
The bearer presents the cheque to the accountant who verifies the date and eliminates the
possibility of the cheque being a counterfeit and grants permission to the bearer to use the
ATKIOO.
The bearer navigates to the menu option: Any Branch Banking - Cash Withdrawal- Bearer.
DG7 is displayed which instructs the bearer to insert the cheque into the MICR Reader 4e of ATKIOO in CitylO.
BLOCK 50 reads the Magnetic Ink Characters on the cheque and searches for the place, branch, and bank details in the MICR Code Directory. If code has a problem then alarm is activated else DG30 is displayed where user enters the cheque number and the amount mentioned in the cheque.
BLOCKIOO the ATKIOO in City 10 establishes connection with Bankl, Branchl, and Cityl same as explained in previous function.
Then BLOCK210 sends the information entered in DG30 ie the account number, cheque number and the amount entered in DG5 to the computer in Bankl, branchl, Cityl.
In BLC)CK220, the computer in Bankl, branchl, Cityl checks whether the cheque number matches with the cheque issued to that account number and whether there is sufficient balance or not. If there is no match then the DG30 instructs the user to correct the wrong entry. More than 3 attempts will trigger an alarm.
IF BLOCK220 condition is OK then BLOCK230 Instructs the Bankl, CitylO branch that payment may be authorized subject to manual signature verification and sends the signature sample as per records of the cheque issuer to the computer. Line is disconnected.
In BLOCK240 the accountant in the branch Cityl manually verifies the signature on

the cheque with the sample sent which appears on the accountants computer monitor screen as shown in DG31. If the Accountant finds the signature OK, then he enters his authorization code into DG31. If not satisfactory, transaction is cancelled.
BLOCK250 calculates the details of the transaction including charges deducted as commission and communication expenses as per the norms of the Bank. BLOCK 40 prints receipt with relevant transaction details. The bearer affixes signature on the receipt and collects cash firom the cashier
Option 1:
Instead of DG7 being displayed DG7.1 can be displayed where the user is prompted to enter the MICR code ie the cheque number and the code indicating the place, branch & bank.
BLOCK 60 searches for the place, branch & bank details against the code and if yes displays DG30 and rest of the procedure is followed. If not alarm is activated.
Option 2:
Instead of entering MICR Code, or inserting Cheque into MICR Reader the User can search for the location, branch & bank using DG20, DG21, and DG22. Remaining procedure follows as per FC11.
9,Fimction: Any Branch Banking- Cash Deposit:
This function allows a person holding an account in Bank 1, branchl, Cityl to deposit Cash in Bankl, any branch and any city. Refer FC12 DG20, DG21, DG22, DG3 and DG5 allow the user to locate the branch where the accoimt exists and enter the accoimt mmiber & amount to be deposited. On touching B-OK in DG5 the pay-in slip is printed which is similar to P03 Avith a few more details.
The person remits cash with the pay-in slip. This amount is credited to the person's account in branchl, cityl.
10,Function; Any Branch Banking- Purchase Instrument:
This function allows a person holding an account in Bank 1, branchl, Cityl to purchase an

Instrument from Bankl, any branch and any city. Refer FC13.
The person uses the ATKIOO in any branch, any city to access the account similar as explained previously. BLOCK99 allows search for location (same as in 5. Function -Purchase Instrument), calculates commission and adds it to the amount of Instrument mentioned in DG23 and totals. BLOCK 100 -BLOCK140 is same as in 5. Function-Purchase Instrument. BLOCK 140 adds the extra cost of conmaunication & other charges.
The Instrument application is printed in BLOCK40.
DG6 prompts the person to collect application from printer.
Person enters beneficiary details and hands over to Accountant.
Display changes to DGl after 5 seconds.
Optional Features Configurable for Authenticating User Identity:
a. Biometric Fingerprint Identification:
Opting for this feature will imply that users need not enter PIN to conduct transactions that require PIN entry.
Thus BLOCK20 appearing in FCl, FC4 will be substituted by BLOCK80 as shown independently in FC7.
GD4 will be substituted by DGl 5 where instructions on which finger can be placed and the position of the fingerprint scaimer -4f in the ATKIOO can be indicated.
In case of records not matching even after 3 attempts, alarm will be activated. In this case Retina based Identity check could also be implemented.
b. Alphanumeric Keypad:
An alphanxraieric keypad - 4b can be integrated at the Cashier / Teller.
The user may be asked to re-enter the PIN on the numeric keypad as a cross check before
cash is delivered, in tihie case of 1. Function: Withdrawal - Self

A correct PES[ entry will match with the transaction conducted, and verify the user.
Wrong entry will imply that the credentials of the person demanding cash are doubtful.
This option can be used in conjunction with the choice and procedure of getting a print out with transaction details OR entirely dispensing with the print out for cash withdrawal - Self-transactions.
c. Barcode Printer:
For transactions in numbered paragraph 1 above i.e. Function: Withdrawal - Self, barcode printer- 4c can be configured to ou^ut a printout that will print the transaction details in the form of a barcode in the case of a successful transaction.
This bar-coded printout can then be handed over to the cashier / teller who will scan this printout using a barcode scanner- 4d which will read and display the details of the transactions on a computer monitor display located at the cashier's worldlace.
d. Magnetic Card Reader:
Customers can be issued magnetic swipe cards that can be swiped at the Swipe card reader -4g. This will eliminate the steps where the user is required to enter account number. The user only needs to enter PIN and continue the subsequent procedure instructed by the ATKIOO,
e. Smart card reader/ writer
Customers can be issued Smart cards, which when inserted into the Smart Card Reader / Writer: - 4i identifies the user. Only the PIN needs to be entered and continue with the transactions. Depending on the facilities incorporated in the Organization, the Smart card can be updated with the latest transactions.
f. Web Camera:
A web camera - 4j can be located in the ATKIOO, which will capture a photograph of the user after each successful transaction. In case the user is an account holder then photograph can be compared with the existing photograph in the records together on the computer monitor screen located at the cahier / teller workplace.

In case the person is encashing a bearer's cheque is the user is not an account holder then the photograph can be stored against that transaction for a limited time period. In case of any fraud in the future the bank authorities will have some lead to follow.
General:
The Invention has been detailed with an arrangement of hardware devices, features and a process of operations to result in particular transactions.
However many more similar or newer transactions will be possible using, omitting or altering the process and features.
To name a few:
It will be possible to include further validation checks such as *check for stop-payment
Instructions' issued for bearer withdrawals.
It will be possible to deploy this kiosk in a merchant establishment to enable payments to be transferred to merchant for services availed from Customer's account by customer.
It will be possible for a person to withdraw cash-self without a printed token, using only a web cam, or only numeric keypad, or with only the cashier monitoring the transaction.
It will be possible to configure a set of speakers to play recorded voice instructions to instruct the user to conduct transactions.
It will be possible to allot a one time PIN dedicated to a particular amount of cash, which can be supplied to a beneficiary located in another city, who can use the ATKIOO to withdraw cash for the single occasion.
It will be possible for a person to deposit a cheque in any city.
It will be possible for a person to check account balance and get an account statement from any branch, in any city. It will be possible for a person to change PIN.

It will be possible to person to make deposits into loan accounts.
It will be possible to Issue Standing Instructions.
It will be possible for an administrator to monitor the transactions in a network scenario.
It will be possible that, high-risk, non-secure areas during late hours, having conducted a transaction in the lobby, the user could need to enter PIN or swipe card to access entry to the premises to receive cash.
It will be possible to transfer cash from account to a smart cash card. (Load a smart card)
It will be possible to make Utility bill payments.

I CLAIM:
1. A self service transaction process conducted by using an 'interactive user interface' in a touchscreen kiosk AND the services of a single staff (personnel) to deliver retail banking services within a bank branch premises.
2. A self service transaction process using a touchscreen kiosk AND the services of a single staff (person) to issue tickets and receive payment within the railway station, bus station, airlines or airport premises.
3. A self service transaction process using a touchscreen kiosk AND the services of a single staff (person) to issue PNR number and receive payment within a bank branch premises.
4. A self service transaction process using a touchscreen kiosk AND the services of a single staff (person) to issue PNR number and receive payment located at any merchant establishment, outside the railway station, bus station, airlines or airport premises.
5. A self service transaction process using a touchscreen kiosk AND the services of a single staff (person) to deliver retail banking services at any merchant establishment outside the bank branch premises
6. A self service transaction process using a touchscreen kiosk AND the services of a single staff (person) to accept utility bill payments within a bank branch premises
7. A Self-service Touchscreen kiosk for use in Banks comprising:
a. A touchscreen enabled monitor;
b. Microprocessor, Memory, Hard disk. Floppy disk, CD-ROM and associated
hardware like modem, network connectivity, required device drivers and a set
of Software instructions to dynamically generate and display on the touch
screen the transaction instructions and the result of such transactions;
c. A printer;
d. MICR (Magnetic Ink Character Recognition) Reader and
e. A known kiosk enclosure having a lockable door, power distribution points,
castor wheels, leveling screws, fans for ventilation, provision to fix translite
and sufficient space to fix the parts mentioned in steps a to d.

8. A Self-service Touch screen kiosk of Claim 1, further comprising a sequence of interactive operations performed by user on kiosk and with bank personnel.
9. A Self-service Touch screen kiosk of Claiml & 2, comprising a camera such as a web
camera.
10. A Self-service Touch screen kiosk of claim 1 to 3, comprising a biometric
identification system.
11. A Self-service Touch screen kiosk of Claim 1 to 4, comprising a magnetic swipe card reader.
12. A Self-service Touch screen kiosk of Claim 1 to 5, comprising a smart card reader/ writer.
13. A Self-service Touch screen kiosk of Claim 1 to 6, comprising a barcode printer.
14. A Self-service Touch screen kiosk of Claim 1 to 7, comprising an alphanimieric keyboard.
15. A Self-service Touch screen kiosk of Claim 1 to 8, comprising an Alarm (audible/Visual).
16. A Self-service Touch screen kiosk of Claim 1 to 8, wherein the said software
instructions execute one or more of the following:
a. To display the main menu on touching the welcome screen or touching the
Main Menu button on the monitor screen;
b. Display graphics in a predetermined sequence depending on the transaction
selected to be conducted;
c. To control operations of the various hardware devices (4a--4d and others
mentioned under General);
d. Allow user inputs using the on-screen keyboard like account number, PIN,
amount, scroll location, backspace using Button-C, operation OK using
Button- OK;
e. Read the magnetic characters sensed by MICR Reader;
f Read & verify such input information by checking with the database;
g. Generate a transaction number as per predetermined criteria;
h.

i. Updating the database;
j. To track transactions by keying transaction number or, account number, PIN,
finger print, name; k. Outputting required information to the printer for printing as per
predetermined formats; 1 Allow restricted access to format graphics. Instructions, languages; m. Generate Alarm when check conditions are not met; n. Capable of operating automatic doors after verifying Identity; and o. Capable of communicating with different Operating Systems.

Documents:

1472-chenp-2003 abstract-duplicate.pdf

1472-chenp-2003 claims-duplicate.pdf

1472-chenp-2003 description (complete)-duplicate.pdf

1472-chenp-2003 drawings-duplicate.pdf

1472-chenp-2003-abstract.pdf

1472-chenp-2003-claims.pdf

1472-chenp-2003-correspondnece-others.pdf

1472-chenp-2003-correspondnece-po.pdf

1472-chenp-2003-description(complete).pdf

1472-chenp-2003-form 1.pdf

1472-chenp-2003-form 18.pdf

1472-chenp-2003-form 26.pdf

1472-chenp-2003-form 3.pdf

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Patent Number

227448

Indian Patent Application Number

1472/CHENP/2003

PG Journal Number

10/2009

Publication Date

06-Mar-2009

Grant Date

07-Jan-2009

Date of Filing

18-Sep-2003

Name of Patentee

MURTHY GOPINATH RAM

Applicant Address

NO. 72, 1st Main, Amarjyoti Layout, Sanjaynagar, RMV 2nd Stage, BANGALORE 560 094,

Inventors:

#	Inventor's Name	Inventor's Address
1	MURTHY GOPINATH RAM	NO. 72, 1st Main, Amarjyoti Layout, Sanjaynagar, RMV 2nd Stage, BANGALORE 560 094,

PCT International Classification Number

G07F19/00

PCT International Application Number

PCT/IN02/00188

PCT International Filing date

2002-09-18

PCT Conventions:

#	PCT Application Number	Date of Convention	Priority Country
1			NA