| CPC G06Q 20/1085 (2013.01) [G06Q 20/3274 (2013.01); G06Q 20/40 (2013.01); G06Q 40/02 (2013.01)] | 5 Claims |
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1. A system, comprising:
(i) a teller kiosk for offering account related transactions, comprising:
a card reader for receiving a customer account information;
a display unit for showing a transaction information;
an embedded mother board connected to an ATM network server to execute the transactions and provide a unique transaction code for each transaction,
wherein each unique transaction code is encrypted based on a corresponding customer identifier for a particular customer of a particular transaction and based on a corresponding transaction identifier for the particular transaction;
wherein each unique transaction code represents a One Time Password (OTP) to complete the particular transaction;
wherein each unique transaction code is transmitted to a particular mobile device operated by the particular customer associated with the particular transaction;
wherein each unique transaction code is encrypted and is provided to the particular mobile device as an encrypted bar code representing a corresponding OTP; and
a printer to print receipts for the transactions;
wherein each receipt includes the encrypted bar code of the corresponding OTP for a corresponding unique transaction code of a corresponding transaction and a corresponding;
an Encrypted PIN Pad (EPP) to input Personal Identification Numbers (PINs) before the PINs are processed for the transactions;
an interactive voice response (IVR) terminal configured to provide voice guidance to the particular customer in one or more languages;
wherein the teller kiosk is configured to provide voice guidance during the particular transaction to the particular customer;
wherein the IVR terminal comprises the printer;
(ii) at least one wall physically separating the teller kiosk from cash dispenser terminals;
(iii) a separation wall between each cash dispenser terminal to maintain privacy during the transactions;
wherein the teller kiosk is built into an outer wall of the system and each cash dispenser terminal is placed inside a walled room of the system; and
(iv) the cash dispenser terminals connected to the ATM network server to provide cash related transactions;
wherein each of the cash dispenser terminals are physically separated from the teller kiosk by at least one wall;
wherein the cash dispenser terminals are configured to communicate with the teller kiosk through a transaction network switch over a network;
wherein each cash dispenser terminal is configured to:
receive as input the encrypted bar codes of corresponding OTPs;
authorize the unique transaction codes represented in the encrypted bar codes of the OTPs over the ATM network server; and
dispense cash or accept cash or checks as a particular deposit in accordance with a specific transaction linked to a particular unique transaction code provided as the input via a corresponding encrypted bar code of the corresponding OTP; and
wherein the transaction network switch is coupled with the ATM network server and is configured to control the transactions and to validate:
wherein the teller kiosk processes pre-staged cash withdrawals and pre-staged deposits with the pre-staged cash withdrawals represented in the unique transaction codes via the encrypted bar codes of the OTPs on the receipts;
wherein each cash dispensing terminal validates cash dispensing, cash depositing, and check depositing;
wherein the teller kiosk optimizes space requirements by providing multiple teller terminals and multiple cash acceptor/dispenser terminals within a 4′×4′ space.
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