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Archive for the ‘Technology’ Category

The advantages of wireless ATMs

Wednesday, September 23rd, 2009

Take your ATM anywhere with a wireless adapter.

Take your ATM anywhere with a wireless adapter from ATM Network.

Modern ATMs require only three basic things from their owners: Someone to refill them with cash and receipt paper, a power supply, and either a phone line or a Internet cable so they can contact the transaction processing network.

That’s not very demanding. But the last two requirements mean most machines are tethered to the spot, unable to go very far from a wall outlet.

Efforts to go off the power grid are still in the prototype stage. But wireless ATMs — machines that use either WiFi or cellular phone networks to process transactions — are a different matter. They’re available today, and at suprisingly reasonable prices.

Going wireless has three components: the wireless router, the installation, and the monthly service fee (using a cellular network is like sticking a cellphone inside your ATM. Just like with a cellphone or a phone line, there’s a monthly charge for service).

Wireless routers aren’t cheap. The industry standard, a JBM C201, costs between $400 and $500. Look for special deals, like a discounted router when you sign a wireless-service agreement.

Installation charges can vary widely. It’s usually worth it to have the router professionally installed, but be sure to check prices. It’s also usually cheaper to have the router installed at the time you purchase the ATM; adding it later will be more expensive.

A JDM C201 wireless router.

A JBM C201 wireless router.

ATM Network, for instance, can retrofit just about any ATM to be wireless. Installation is just $99, we have one of the lowest cellular subscription fees in the business, and the router is *free* with a two-year service agreement. The only place you might find it cheaper (and if it is cheaper, it isn’t by much) is at companies where “service after the sale” is a dirty word.

There are some obvious advantages to going wireless: No need to install a second phone line or wire a new Internet connection, for instance. The ability to move the ATM among multiple stores or try out different locations within a store. The ability to take the ATM to temporary locations like festivals, fairs, conventions, trade shows, farmer’s markets and so on.

But a recent study found a whole bunch of other reasons. For instance:

It’s the future. In large parts of the world (and remote parts of the United States), traditional land-line communication infrastructure simply doesn’t exist. And with cell phones filling the void, it’s unlikely such infrastructure will ever be installed. In those areas, an ATM has to be wireless in order to function.

“In Africa, it’s all cellular technology,” Gamon said. “It’s a big continent, and they’re just rolling out mobile services at a huge rate with a huge uptake. But cabled services are very minimal. Much the same is true in China and India. It’s the only cost-effective way to provide communications services.”

Easier and quicker to install. No need to have electricians or technicians run outlets to the machine’s location. No waiting for the telephone company to activate a phone line. Just wheel the machine in and turn it on.

“We have several wireless units at department store chains that do not want a phone line run through their store,” said Chuck Hayes, a product manager for Long Beach, Miss.-based Triton Systems. “We see them at sports stadiums where there are difficulties in getting phone lines run to certain locations.”

Easier maintenance. For companies with multiple ATMs, having all their machines on a single cellular network makes it easier to monitor them for problems. And because the connection is always on, they’ll know instantly when something goes wrong. With a traditional dial-up machine, it takes a lot longer to notice problems because a machine might go several days without dialing in even if it’s working perfectly.

“Uptime is important, and when you have a monitored solution, you quickly know that the ATM isn’t online or isn’t communicating,” Gamon said. “You can’t get that with a dial-up connection.”

More secure. ATM thefts are rare, but they happen. With a traditional landline, once the machine is unplugged it goes off the network. But a cellular machine remains connected, making it easier to trace.

With the cost of wireless service now comparable to that of a phone line or Internet connection, perhaps the real question to ask is, “why NOT make it wireless?” The advantages in flexibility and ease of installation more than make up for the modest installation cost.

It’s all in the interface

Wednesday, September 16th, 2009

wf01-500

An ATM’s hardware gets a lot of attention, and rightly so — if the moving parts don’t work, the ATM may have trouble dispensing money. And if it’s not well-built, it could be easily damaged or stolen.

But it’s the software that tends to determine whether an ATM experience is painless or tedious. A well-designed user interface lets customers do their business quickly, easily and hassle-free, with fewer frustrating mistakes. A poorly designed interface may cause customers to go elsewhere.

Important as it is, most people don’t think about the interface unless it performs really, really badly. But the interface doesn’t just pop out of nowhere. Someone had to plan out how the machine would work, and then program those steps into the software.

A blog called Physical Interface offers an interesting behind-the-scenes glimpse of how one ATM interface was designed — in this case, for Wells Fargo ATMs.

The designer was part of a team approached by Wells Fargo to redesign the interface for touch screens. That presented challenges but also opportunities.

Old menu, left; new menu, right.

Old menu, left; new menu, right.

Above are the before (left) and after screenshots of the main menu page. Because it’s a touch screen, menu items no longer had to be associated with a button on the side of the screen. That let the interface use the entire screen, and eliminated the “need” for clunky, distracting filler visuals.

The buttons are bigger but the graphics are played down (transparent backgrounds, no borders). The result is more attractive, restful and easy to read: You don’t have to hunt through a busy visual landscape to find the function you want. Color coding lends further structure to the buttons.

There’s a lot more at the link. The designers had to consider how people use machines and the different models of ATMs owned by Wells Fargo. They designed a high contrast color palette so the screen would be legible in both semi-darkness and direct sunlight.

All in all it took the design team a year to develop the design, and another six months for Wells Fargo to begin installing it on their machines.

Seattle neighborhood adds solar-powered ATM

Wednesday, September 2nd, 2009

Solar-powered ATM under construction in Seattle.

Solar-powered ATM under construction in Seattle.

Like a lot of urban neighborhoods, Seattle’s Phinney Ridge and Greenwood sections hold a farmer’s market every weekend in the summer. It sets up in the parking lot of the Phinney Neighborhood Center, a local community center.

And, since farmer’s markets rely heavily on cash, the center has decided to install a cash machine for the market.

But unlike most ATMs, this one is solar-powered.

The Phinney Center is installing a solar-powered ATM in its upper parking lot. It should be up and running for Friday’s Farmer’s market. It will be in a secure “cage” that will be locked at night.

Of course, as with any new technology there are bound to be a few hiccups, as a follow-up post demonstrates:

The prototype solar-powered ATM recently installed in the Phinney Neighborhood Association’s upper parking lot has been removed after getting “fried” by too much power coming from its solar cell array, according to the PNA.

They expect to install a revamped ATM in the spring.

The effort demonstrates a powerful idea: The go-anywhere ATM. With a solar array and a wireless adapter, ATMs can go without power cords, telephone lines or Internet cables. An operator could cart them around to fairs, festivals, markets and other temporary venues and place them anywhere. Or they could be used in remote locations where power and Internet connections are hard to come by. The possibilities are endless.d

Mobile brain scanner tracks shopper emotions

Monday, August 31st, 2009

The EmSense headband.

The EmSense headband.

It’s not about ATMs, but this was too cool to ignore:

Using a product from the neuroscience firm EmSense, the retail research company TNS Magasin is measuring brain activity of shoppers in real retail environments, with one test completed in Foot Locker.

Before people get too weirded out about privacy invasion, we should point out that this is a test-marketing device, worn by shoppers who know what the scanner is doing:

The EmSense product is a band worn around the shopper’s forehead that scans the pre-frontal cortex.

TNS Magasin is really excited about the prospects:

At last we are able to gain insight into responses to the visual stimuli that the shopper actually looks at, as well as pre-frontal cortex responses. This enables us to gauge the relative roles of emotion and cognition at each and every stage of the shopping journey to understand, literally, what is going on in shoppers’ minds.

That almost certainly overstates the case by quite a lot. Decades of brain research have demonstrated that while we can observe what part of the brain is active during a given activity, it’s much harder to deduce what it’s actually doing, and thus what the activity means. This may give some broad insight into purchasing decisions — like whether a given purchase was a reasoned or emotional decision — but it’s a far, far cry from reading minds.

The art of wrapping

Thursday, August 20th, 2009

If you’ve ever wondered how ATMs (and cars, buses and trains) get dressed up with colorful images and graphics, just read on.

ATM Network recently landed a contract to provide three ATMs to Rochester Community and Technical College (RCTC). As part of the agreement, RCTC wanted the ATMs to wear the school logo and colors.

That meant something called “wrapping”, where the machine is literally wrapped in sheets of heavy-duty glue-backed vinyl. Though the materials vary slightly, it’s the same process used to wrap cars, buses, trains and scoreboards in eye-catching imagery. Here’s how it worked in our case:

Digital mockup of the wrapped ATM

Digital mockup of the wrapped ATM

1. Our designer mocked up a digital image of how the machine would look.

The wrap design applied to a full-sized template.

The wrap design applied to a full-sized template.

2. Once the design was approved, the designer built a full-sized, full-resolution version using a digital template of the specific ATM model. In this case the model changed between mockup and contract signing, so the design changed slightly, too.

The finished vinyl panels, waiting to be installed.

The finished vinyl panels, waiting to be installed.

3. The design file was emailed to a printer that specializes in vinyl graphics, which printed it on thick vinyl with a glue-covered backing. The finished panels were shipped back to ATM Network, ready to be installed.

Putting primer on the edges.

Putting primer on the edges.

4. The installer first painted the edges of each machine with metal primer, to help the panel glue stick.

Applying the left panel.

Applying the left panel.

Cutting the left panel.

Cutting the left panel.

Applying the right panel.

Applying the right panel.

5. After aligning and applying the left panel, he cut the front edge to match the contour of the machine. Then he repeated the process with the right panel. The edges of each panel wrap around the corners of the machine for added purchase.

Applying the back panel.

Applying the back panel.

6. Next the back panel went on.

A blowtorch?!?

A blowtorch?!?

7. Sometimes a blowtorch is needed to soften the vinyl so it can be stretched taut or bent around corners.

Applying the top.

Applying the top.

8. Next the top went on, covering the seams of the other panels and sealing the whole wrap.

Smoothing the vinyl.

Smoothing the vinyl.

9. The installer used a scraper to smooth each panel flat and tuck it into grooves in the metal.

Applying the front.

Applying the front.

10. After carefully laying the ATM on its back, the installer attached the front panel. If necessary he cut holes for things like keyholes, combination locks, levers, etc.

Cutting out the vent holes.

Cutting out the vent holes.

11. Lastly, the installer used a razor knife to cut out all the ventilation holes covered by the vinyl.

Three finished ATMs.

Three finished ATMs.

12. Repeat the process twice more, and voila! You have three eye-catching ATMs ready for delivery.

ATM Network can wrap or paint any ATM we sell. We can attach your design or help you design one. Visit our Upgrades page for more details.

A new way to buy insurance

Monday, August 17th, 2009

If Polaris Software Lab has its way, ATMs will soon be able to sell insurance as well as dispense dollars.

The Indian company is developing software that lets customers buy insurance, renew policies or adjust coverage through an ATM.

For instance, if a customer is planning to buy a travel policy, he can walk in to his nearest ATM and key in the policy requirements by using his debit or credit card. An electronic message is sent to the insurance policy system, which in turn will send the confirmation electronic message to the ATM. Once the confirmation is received, the ATM will provide a receipt that will contain details like name of the customer, country to which he/she is travelling, policy start date, end date and policy value and the type of coverage.

If the customer extends his stay abroad, he can top-up the policy by accessing one of the ATMs abroad. Similarly, an insured can renew his policy.

Polaris is pitching this as a convenience for customers and a money-saver for insurers. The idea is only in the concept stage, so don’t look for it on your block any time soon. And it sounds like it would roll out in Asia and Europe before it reached the United States. But it’s a sign of things to come.

Pay your taxes at an ATM?

Friday, August 14th, 2009

That’s the goal of a state-owned bank in Mumbai, India:

The proposed product, to be called as ‘E-payment through ATM’ will enable the taxpayers to pay tax at anytime from anywhere. One can pay taxes like income, fringe benefit, securities transaction as well as gift taxes through the facility, which is likely to be launched within a period of 10 days from now. The bank will earn 11 paise per tax payment through the upcoming facility.

Just another glimpse of what the future of ATMs will look like.

Update: Vietnam is experimenting with this idea, too.

ATM software trends, or ‘Hello, Windows’

Friday, August 14th, 2009

The cover of the 2009 Software Trends report

The cover of the 2009 Software Trends report

A few things you might not know about ATMs:

  • They used to run on IBM’s OS/2 or proprietary platforms.
  • Newer ATMs have incorporated much more robust operating systems, notably Linux and Windows
  • Most ATMs on the market today run either Windows CE or the full-fledged Windows XP

That information and more is contained in the 2009 ATM Software Trends survey from KAL, an independent maker of ATM software. While the report is largely aimed at large financial institutions like banks and credit unions, it still contains a lot of information for independent ATM owners.

For instance, why are ATM owners switching to machines that run on modern operating systems? Multiple reasons:

  • The biggest driver is increased security. A more powerful OS can handle more complex security features like biometrics and remote keys.
  • Added functionality. With a reasonably powerful computer inside the ATM, owners can offer additional products (such as cash-value cards, digital downloads and mobile-phone minutes) additional on-screen information (such as maps, advertising and web-browsing) and interactive features like transaction personalization. In particular, modern ATMs can display ordinary HTML pages on screen, letting owners design their own interactive screens or easily modify existing ones.
  • Reliability. Modern systems are both more stable and better-supported than older systems.
  • Cost control. This mostly applies to companies that own multiple machines. But having an off-the-shelf OS means the ability to use off-the-shelf software instead of expensive proprietary solutions, and the more powerful OS makes it easier to manage multiple machines (or a network of machines) from a central point.
  • Future compatibility. A modern OS means the ATM can take advantage of as-yet-unseen advances in technology, products and services, extending the useful lifespan of existing machines.

The full report is available as a pdf from the link above, and goes into a lot more detail, as well as breaking trends down by regions of the world.

Working ATM built out of Legos

Wednesday, August 12th, 2009

This is from the bottom of the page we link to in the previous post, but it’s so cool it deserves its own post: a fully functioning ATM built entirely out of Legos. It even dispenses change! You have to worry about how secure any machine built out of removable blocks can be, but this might be the perfect solution for daycare lunch rooms….

ATMs get smarter, more versatile

Wednesday, August 12th, 2009

Even non-industry techies have noticed what’s going on with ATMs these days:

Have you gone to an ATM recently? These everyday machines are starting to get more complex and interactive. Depending on where you are in the U.S. you may be noticing that many ATMs are now accepting checks without envelopes, math, or worry. That’s right, new ATMs are able to scan checks, read the amount, and provide a print out for your records. In convenient stores, some of these machines have evolved into miniature financial centers with bill-pay and other more complex transactions.

More on what’s happening in convenience stores:

7-Eleven, Exxon, and Circle K all have nation wide gas stations and convenience stores with financial kiosks. These machines are one step up from ATMs, allowing a wide range of transactions including email, secure deposit, and bill pay. The service fees may be high ($2-$3) but more and more customers are finding them a convenient alternative to traveling to pay bills in person. In fact, the bill pay feature is so popular in areas with high immigrant populations that machines will sometimes have to be shut down because they are too full of money.

Read the link for more details.

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