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2009 03 25 ATMs And Transaction Terminals


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2009 03 25 ATMs And Transaction Terminals

  1. 1. ATMs and transaction terminals March 25th, 2009 José Angel Martínez Usero INREDIS Scientific Director This presentation is supported by
  2. 2. ATMs and transaction terminals <ul><li>ATMs are the most common device for interaction with banks </li></ul><ul><li>The number of available ATMs has risen greatly since 70’s </li></ul><ul><li>Progressive introduction on daily live , and familiarity in the society [eg. young people uses ATMs more intensely and broadly] </li></ul><ul><li>Beyond traditional banking actions, ATMs tend to offer a wider range of services [event ticketing, topping up the mobile, surfing the Internet, etc.] </li></ul><ul><li>Will ATMs converge to access points to services of e-government, tourism, leisure, etc.? </li></ul>
  3. 3. Present situation <ul><li>The accessibility assessment of ATMs has highlighted serious deficiencies regarding improvements in electronic accessibility </li></ul><ul><ul><li>users with visual impairment </li></ul></ul><ul><ul><li>users with physical difficulties (hand movements) </li></ul></ul><ul><li>Also physical accessibility barriers related to urban accessibility, disposition (height and inclination), and so on. </li></ul><ul><li>Some ATMs provide integrated assistive technologies , but: </li></ul><ul><ul><li>Lack of standardization </li></ul></ul><ul><ul><li>Proprietary and closed systems </li></ul></ul><ul><ul><li>High cost </li></ul></ul><ul><ul><li>There is no consensus across networks of banks </li></ul></ul><ul><ul><li>Different applications in different geographic areas (regions, countries) </li></ul></ul>
  4. 4. In the near future : mobile ATs <ul><li>Mobile device as an ideal terminal able to interact with ATMs </li></ul><ul><ul><li>Familiarity with the device </li></ul></ul><ul><ul><li>Mobility and autonomy </li></ul></ul><ul><ul><li>Several connectivity protocols </li></ul></ul><ul><ul><li>Computational capabilities </li></ul></ul><ul><ul><li>Wide range of pre-installed ATs </li></ul></ul><ul><li>It has a high acceptability on discussion </li></ul><ul><li>groups with people with disabilities (1) </li></ul><ul><li>Main concerns on interoperability , ubiquity and security </li></ul><ul><li>(1) Experimental research on mobile potentialities as terminal able </li></ul><ul><li>to interact with vending machines and ATMs. ONCE Foundation </li></ul>
  5. 5. In the near future : ubiquitous ATs <ul><li>The basis </li></ul><ul><ul><li>Open software ATs </li></ul></ul><ul><ul><li>Open DMR ATs </li></ul></ul><ul><li>Different steps of technological development </li></ul><ul><ul><li>Downloadable ATs </li></ul></ul><ul><ul><li>Portable ATs </li></ul></ul><ul><ul><li>Embedded ATs </li></ul></ul><ul><ul><li>Totally ubiquitous ATs </li></ul></ul><ul><li>Main Requirements </li></ul><ul><ul><li>Ready to use from the first moment </li></ul></ul><ul><ul><li>Configuration according to user needs </li></ul></ul><ul><ul><li>User identification and modelling </li></ul></ul>
  6. 6. 3G Accessibility combines several core issues <ul><li>3G Accessibility is the future </li></ul><ul><li>Accessibility + Interoperability + Ubiquity </li></ul><ul><li>Interoperates semantically with any other device </li></ul><ul><li>Incorporates accessible criteria for all </li></ul><ul><li>Can be set according to my needs and preferences </li></ul><ul><li>Creates naturally multimodal interaction channels </li></ul>
  7. 7. 3G Accessibility trends <ul><li>Using user mobile devices for interacting with other devices or services is an accessibility trend : </li></ul><ul><ul><li>European research projects: I2HOME, VITAL, MONAMI, SOPRANO, etc. </li></ul></ul><ul><ul><li>Standards: ISO 24752 - URC (Universal Remote Console) </li></ul></ul><ul><ul><li>National research projects: INREDIS (Spain) </li></ul></ul><ul><li>Promoting ubiquitous ATs is being researched </li></ul><ul><ul><li>International : “Raising the” floor initiative </li></ul></ul><ul><ul><li>European : Abilitynet (UK) + INREDIS project (2M euro for basic research) </li></ul></ul><ul><ul><li>National initiatives : Barclays (UK + Spanish branch) + la Caixa (Spain) </li></ul></ul>
  8. 8. Proof-of-concept. Spanish R&D project <ul><li>User validation of a proof-of-concept with people </li></ul><ul><li>with disabilities resulted in: </li></ul><ul><ul><li>Every requested tasks were completed successfully </li></ul></ul><ul><ul><li>This way of barrier elimination was positively valorised </li></ul></ul><ul><ul><li>Users with disabilities declared that they would use it </li></ul></ul><ul><ul><li>when available </li></ul></ul><ul><li>Users with disabilities recover control on the </li></ul><ul><li>ATM </li></ul><ul><li>Developed by: </li></ul>
  9. 9. Technologies used in the design <ul><li>Technologies </li></ul><ul><ul><li>Communication: NFC and WIFI, using WIFI Protected Setup </li></ul></ul><ul><ul><li>Security: EAP-WSC and WPA2/AES (network level), HTTPS (client-server level) </li></ul></ul><ul><ul><li>Interface: Web technologies with WCAG and MWI best practices </li></ul></ul><ul><ul><li>ATs: the pre-installed in the user mobile device + user preferences </li></ul></ul><ul><li>Detected market barriers </li></ul><ul><ul><li>ATMs do not include wireless communication technologies (NFC, WIFI and similar) </li></ul></ul><ul><ul><li>Mobile devices do not combine NFC and WIFI or other potential solutions with accessibility characteristics </li></ul></ul><ul><li>Trend for future improvement: inclusion of interoperability architectures (URC-UCH), communication channels and web services. </li></ul>
  10. 10. CONTACT ME! <ul><li>Jose Angel Martínez Usero </li></ul><ul><li>Scientific Director of INREDIS Project </li></ul><ul><li>Co-ordinator of Tecnosite’s Brussels Office </li></ul><ul><li>Academic Director of Master on Accessible Technologies </li></ul><ul><li>CONTACT ME! </li></ul><ul><li>[email_address] </li></ul><ul><li>[email_address] </li></ul><ul><li>FOLLOW ME! </li></ul><ul><li>http:// / joseusero </li></ul>Led by This presentation is supported by