This application claims priority under 35 U.S.C. §119(a) to Korean Patent Application No. 10-2013-0145682 filed on Nov. 27, 2013, which is incorporated by reference herein in its entirety.
The present invention relates to a method and apparatus for providing a user interface for use in selecting an amount of money to be transacted by a user of an automated teller machine (ATM) and a computer-readable recording medium for storing instructions that implement such method and apparatus.
Generally, automated teller machines (ATMs) are provided to perform various transactions for users having bank accounts, such as deposit transactions, withdrawal transactions, transfer transactions, and the like. In the process of such transactions using an ATM, a user may select an amount of money to be transacted by the ATM. For example, the user may input a withdrawal amount when he or she wants to withdraw money from a certain account, and may input a transfer amount when he or she wants to transfer money from one account to another.
In order to facilitate the user's selection of an amount of money to transact, conventional ATMs provide the user with several predetermined amounts in the form of buttons on the touch screen of the ATM, thereby the number of amounts of money selectable by the user is limited depending on the number of buttons displayed on the touch screen. In case when the user wants to select an amount that is not displayed on the screen, an extra user interface is needed for the user to directly enter the amount that he wants to transact. For example, assume that a user interface of an ATM provides 10 buttons respectively corresponding to values $20, $40, $60, $80, $100, $140, $200, $300, $400, and $500, whereas the user wants to select $160. In that case, an extra user interface (e.g., a number pad) needs to be invoked, and then the user may directly input the desired amount, i.e., $160, by using the extra user interface.
It is, therefore, an object of the present invention to provide user interfaces for selecting an amount of money to be transacted in an intuitive manner.
In accordance with one embodiment of the present invention, there is provided an apparatus for providing a user interface for use in selecting an amount to be transacted by a user of an automated teller machine (ATM). The user interface comprises an input unit for receiving a user input associated with a sliding gesture, and an output unit for displaying a selected amount determined based on the user input associated with the sliding gesture.
In accordance with one embodiment of the present invention, the input unit includes a track marked with a plurality of amount indicators and a slider movable along the track by the user input associated with the sliding gesture, and the selected amount is determined based on a position of the slider on the track.
In accordance with another embodiment of the present invention, the input unit includes a rotator marked with a plurality of amount indicators, the rotator being rotated by the user input associated with the sliding gesture, and the selected amount is determined based on a degree of rotation of the rotator.
In accordance with yet another embodiment of the present invention, the input unit includes a tape marked with a plurality of amount indicators, the tape being shifted by the user input associated with the sliding gesture, and the selected amount is determined based on a degree of shift of the tape.
In accordance with one embodiment of the present invention, there is provided a method for providing a user interface for use in selecting an amount to be transacted by a user of an automated teller machine (ATM). The method comprises the steps of providing an input unit and an output unit, receiving, by the input unit, a user input associated with a sliding gesture, determining a selected amount based on the user input associated with the sliding gesture, and displaying the selected amount on the output unit.
Hereinafter, embodiments of the present invention will be explained in detail with reference to the attached drawings.
It will be understood that an ATM 10 may be a common automated teller machine, a cash dispenser (CD) that provides a service of withdrawing cash, an automatic multi-functional machine that provides various financial services associated with banks, insurance companies, credit cards, and the like, other type of automatic machine, for example, a kiosk that provides various supplementary services including receiving utility bills, issuing tickets, saving points, and the like, and a portable device, such as a smartphone that provides phone banking services.
The ATM 10 may include a user interface unit 11, a banknote unit 12, a bankbook unit 13, and a card reader 14.
The user interface unit 11 provides a user with various financial services or supplementary services by using a graphic user interface (GUI). Further, the user interface unit 11 includes, but not limited to, an interface in the form of a touch screen for receiving a manipulation and a selection by the user from a menu displayed on the touch screen, an interface in the form of buttons for receiving a manipulation and a selection by the user from a menu provided by the buttons, or the combination of the touch screen and the buttons.
The banknote unit 12 collects, exports, counts, and stores banknotes, and the bankbook unit 13 reads and updates a bankbook. The card reader 14 reads a credit or debit card when the user inserts the credit or debit card into the ATM, and processes a transaction associated with such card. The card reader 14 may read different types of cards, such as a point card, an identification card, and the like, as well as the credit or debit card. In addition, the ATM 10 may additionally include, but not limited to, a communication unit for providing access to a server of a financial institution, a control unit for controlling general operations of the ATM, a memory storing various pieces of data, a printing module for printing a bankbook or an itemized account, and the like.
It will be understood that the term “transaction” as used herein refers to a business or a service that can be carried out by an ATM for a holder of a financial account, including deposit, withdrawal, transfer, balance inquiry, and so on.
An amount of money to be transacted may be selected by a user of an ATM. For example, when the user wants to withdraw money from the ATM, the user may select an amount of money he or she wants to withdraw. Embodiments of the present invention provide user interfaces in which the desired amount is easily selectable by the user.
Hereinafter, the user interfaces for use in selecting an amount to be transacted by a user of an ATM will be explained in accordance with various embodiments of the present invention with reference to
Referring to
The input unit 110 receives a user input. The user input may be associated with a sliding gesture. The sliding gesture may be associated with a sliding motion of a part of a human body (e.g., the user's finger) or of other objects that are not a part of a human body (e.g., a stylus). Further, the sliding gesture may be associated with a touchless motion of the user (e.g., a hand motion) recognized by a sensor, such as a camera.
The selected amount is determined based on the user input received at the input unit 110. The selected amount is then displayed on the output unit 130
As illustrated in
The user input may be associated with a sliding gesture. For example, the slider 113 may be dragged along the track 111 by the movement of the user's finger in contact with the input unit 110. The slider 113, of course, may be moved when the user touches or pushes a point on the track 111 (e.g., a certain position on the track 111 from the slider 113 separated at least by a predetermined distance). Further, other elements in the form of buttons (e.g., arrow shaped buttons) may be added in the vicinities of both ends of the track 111 such that the user can move the slider 113 by touching or pushing the buttons. When the user moves the slider 113 to a position on the track 111, the selected amount may be determined based on the position of the slider on the track.
Thereafter, the selected amount (e.g., $150) is displayed on the output unit 130. In some embodiments, the selected amount may be determined and displayed in response to the completion of the user input. In some other embodiments, however, the selected amount may be determined and displayed while the user is moving the slider 113 along the track 111. For example, the selected amount may be determined (i.e., updated) and displayed periodically, and the period of time may be adjusted such that the selected amount can be recognized by the user as changing continuously. In this way, the user selects the desired amount easily and accurately.
In determining the selected amount by the position of the slider 113 within the track 111, a selectable range of the amount may be limited by the length of the track 111. For this reason, the user may want to expand the selectable range of the amount. In accordance with one embodiment of the present invention, when the slider 113 is positioned at an end of the track 111 or a predetermined area in the vicinity of the end of the track 111, the plurality of amount indicators may be changed. For example, if the user moves the slider 113 to the right end or the predetermined area in the vicinity of the right end of the track 111 to select the amount exceeding $500, the plurality of amount indicators $0, $20, $40, $100, $200, $300, $400, $500 may be respectively changed into $20, $40, $100, $200, $300, $400, $600. Alternatively, positions of the plurality of amount indicators may be shifted to expand the selectable range of the amount. For example, while the user keeps the slider 113 at the right end of the track 111, the plurality of amount indicators and corresponding scale marks may be shifted to the left. Alternatively or additionally, a dashed line may be displayed at the right end of the track 111 or other signs may be additionally displayed in the vicinity of the right end of the track 111, so that the user may recognize that the slider 113 can be further moved to the right.
The track 111 may be divided into a movable area and an unmovable area of the slider 113 based on a transaction limit of the user. The transaction limit may include a withdrawal limit or a transfer limit of the user's account. When the user withdraws or transfers money from his account, the amount of money exceeding the withdrawal limit or the transfer limit cannot be selected by the user. The unmovable area of the slider 113 is provided for that purpose. In some embodiments, the transaction limit may be the balance of the user's account or predetermined value set by the account holder and/or a financial institution, such as a bank. For example, in
The user interface for use in selecting an amount to be transacted by a user of an ATM in accordance with one embodiment of the present invention may be provided in the process of a withdrawal transaction in which the user selects a withdrawal amount. In this case, the withdrawal amount should be an amount that can be withdrawn from the ATM using the denominations (i.e., currency units) handled by the ATM. Therefore, if the amount selected by the user is a certain integer multiple of the value of a smallest banknote handled by the ATM, the amount of money can be withdrawn from the ATM. However, if the amount selected by the user is not an integer multiple of the value of the smallest banknote, it cannot be withdrawn from the ATM. For example, if the value of a smallest banknote handled by the ATM is $20, the amount $150 cannot be selected since the amount $150 is not an integer multiple of the minimum withdrawable amount $20. In accordance with one embodiment of the present invention, when the selected amount is not an integer multiple of the minimum withdrawable amount from the ATM, the selected amount may be automatically adjusted to be a certain integer multiple of the minimum withdrawable amount. For example, the certain integer multiple of the minimum withdrawable amount may be an integer multiple of the minimum withdrawable amount nearest to the amount selected by the user. Further, the certain integer multiple of the minimum withdrawable amount may be an integer multiple of the minimum withdrawable amount nearest to but not less than the amount selected by the user. In addition, the slider 113 may be automatically moved on the track 111 such that the selected amount becomes an integer multiple of the minimum withdrawable amount. For example, if the selected amount determined by the position of the slider 113 is $155 and the minimum withdrawable amount is $20, slider 113 may be automatically moved on the track 111 such that the selected amount becomes $160 which is the integer multiple of $20 and the nearest to $155. If the selected amount determined by the position of the slider 113 is $150 and the minimum withdrawable amount is $20, the slider 113 may be automatically moved on the track 111 such that the selected amount becomes either one of $140 and $160 based on predetermined criteria.
As shown in
The input unit 210 receives a user input. The user input may be associated with a sliding gesture. The sliding gesture may be associated with a sliding motion of a part of a human body (e.g., the user's finger) or of other objects that are not a part of a human body (e.g., a stylus). Further, the sliding gesture may be associated with a touchless motion of the user (e.g., a hand motion) recognized by a sensor, such as a camera.
The selected amount is determined based on the user input received at the input unit 210. The selected amount is then displayed on the output unit 230
As illustrated in
The rotator 211 may be implemented in the form of a 3-dimensional structure (e.g., a cylinder) or a planar structure (e.g., a disc). Further, rotator 211 may be designed as a scroll wheel of a mouse or a volume tuner of a radio. It will be understood that the shapes described above are mere exemplary shapes of the rotator 211, and the rotator 211 may be designed as other appropriate shapes.
When the user rotates the rotator 211, the selected amount may be determined based on a degree of rotation of the rotator 211. The selected amount (e.g., $40) is displayed on the output unit 230. In some embodiments, input unit 210 may further include an indication marker 213 for indicating a certain position of the rotator 211 to facilitate accurate selection. The selected amount may be determined to be the amount indicated by the indication marker 213.
As mentioned above, the selected amount may be determined and displayed in response to the completion of the user input, but in some other embodiments, the selected amount may be determined and displayed while the user is rotating the rotator 211.
In accordance with the embodiment illustrated in
In accordance with the embodiment illustrated in
As shown in
The input unit 310 receives a user input. The user input may be associated with a sliding gesture. The sliding gesture may be associated with a sliding motion of a part of a human body (e.g., the user's finger) or of other objects that are not a part of a human body (e.g., a stylus). Further, the sliding gesture may be associated with a touchless motion of the user (e.g., a hand motion) recognized by a sensor, such as a camera.
The selected amount is determined based on the user input received at the input unit 310. The selected amount is then displayed on the output unit 330
As illustrated in
The tape 311 may be implemented in the form of an elongated band or belt. A part of the tape 311 may be hidden at first, and the hidden part of the tape 311 may appear after the user shifts the tape 311 to either end thereof. It will be understood that the shapes described above are mere exemplary shapes of the tape 311, and the tape 311 may be designed as other appropriate shapes.
The input unit 310 may further include direction indication markers. For example, as shown in
When the user shifts the tape 311, the selected amount may be determined based on a degree of shift of the tape 311. The selected amount (e.g., $380) is displayed on the output unit 330. In some embodiments, input unit 310 may further include an indication marker 313 for indicating a certain position of the tape 311 to facilitate accurate selection. The selected amount may be determined to be the amount indicated by the indication marker 313.
As mentioned above, the selected amount may be determined and displayed in response to the completion of the user input, but in some other embodiments, the selected amount may be determined and displayed while the user is shifting the tape 311.
In accordance with the embodiment illustrated in
In accordance with the embodiment illustrated in
In
In some embodiments, the plurality of amount indicators may be directly selectable by the user by way of pushing or touching thereof. When one of the plurality of amount indicators is selected by the user, an amount corresponding to the selected amount indicator is determined to be the selected amount and displayed on the output unit. For example, if the user touches or pushes $300 among the plurality indicators as shown in
In some embodiments, the user interface for use in selecting an amount to be transacted by a user further comprises an enter button 151, 251 or 351 for the user's final confirmation. For example, if the selected amount is finally confirmed by the user during a withdrawal transaction, the selected amount of money may be withdrawn from the user's account. If the selected amount is finally confirmed by the user during a transfer transaction, the selected amount of money may be transferred from the user's account. Alternatively, the user may make a final confirmation in a different way without pushing or touching the enter button. For example and not as a limitation, in
In some embodiments, the user interface for use in selecting an amount to be transacted by a user further comprises a cancel button 153, 253 or 353 for canceling the selected amount. For example, if the user selects the cancel button 153 of
In some embodiments, the user interface for use in selecting an amount to be transacted by a user further comprises a back button 155, 255 or 355 for returning to the previous stage. For example, if the user who wants to transfer money selects a withdrawal transaction by mistake, the user may select the back button to return to the previous stage.
In some embodiments, the user interface for use in selecting an amount to be transacted by a user further comprises a change language button 157, 257 or 357 for changing the language used in the user interface. For example, although explanations and buttons in the embodiments illustrated in
In some embodiments, the user interface for use in selecting an amount to be transacted by a user further comprises a help button 159, 259 or 359. In the process of carrying out a transaction at the ATM, the user may select the help button 159, 259 or 359 to be assisted by a teller over the telephone or the video telephone. Alternatively or additionally, the help button 159, 259 or 359 may operate like a staff call button for calling the teller near the ATM in use.
Hereinafter, a method for providing a user interface for use in selecting an amount to be transacted by a user will be explained in accordance with embodiments of the present invention with reference to
At step S110, the account of the user is identified and the user is authenticated to access the account by the ATM. For example, identification of the account of the user and the authentication of the user may be performed by inserting a card into the ATM and inputting a personal identification number (PIN) therefor. In this way, the user's account associated with the card can be determined, and whether or not to allow the user to perform a transaction for the account can be decided. The user may also insert a bankbook or directly input an account number to the ATM. It will be understood that these are mere examples and other appropriate techniques can be employed for identification of the account and the authentication of the user.
Transitioning to step S120, the user interface for use in selecting the type of transaction to be performed is provided. By using the user interface, the user may select a transaction to be performed for financial account. For example, the user may select any types of financial transactions including deposit, withdrawal, transfer, balance inquiry, and the like. The withdrawal transaction may be divided into normal withdrawal and fast withdrawal. For example, the normal withdrawal provides a conventional withdrawal user interface while the fast withdrawal provides a simplified user interface in accordance with an embodiment of the present invention. In some embodiments, the withdrawal transaction, of course, may have only one mode.
When a withdrawal transaction is selected by the user, flowing to step S130, the user interface in accordance with an embodiment of the present invention is presented. The user interface for use in selecting an amount is described above. The method for providing the user interface will be described in detail referring to
When the user selects an amount to be transacted, flowing to step S140, a user interface for use in selecting denominations is provided. In this user interface, the user may select denominations for withdrawal.
Transitioning to step S150, cash can be withdrawn based on the selected amount and the selected denominations.
So far, referring to
At step S131, an input unit and an output unit are provided. As noted above, the input unit and the output unit may be implemented as parts of a graphic user interface (GUI) displayed on a touch screen, but is not limited therein to.
Transitioning to step S132, a user input is received at the input unit. The user input may be associated with a sliding gesture. The sliding gesture may be associated with a sliding motion of a part of a human body (e.g., the user's finger) or of other objects that are not a part of a human body (e.g., a stylus). Further, the sliding gesture may be associated with a touchless motion of the user (e.g., a hand motion) recognized by a sensor, such as a camera.
Transitioning to step S133, the selected amount is determined based on the user input. The determination criteria may differ depending on the various types of input units (e.g., as described above, the input unit including the track and the slider, the input unit including the rotator, and the input unit including the tape, and the like).
Transitioning to step S134, the selected amount is displayed on the output unit. In some embodiments, the selected amount may be determined and displayed in response to the completion of the user input. In some other embodiments, the selected amount may be determined and displayed while the user is making a selection.
Embodiments of the present invention comprise non-transitory computer-readable recording media including program instructions to implement various operations implemented by a computer. The computer-readable recording media may also include program instructions, data files, data structures, or combination thereof. The media or the program instructions may be designed particularly for the embodiments of the present invention, or commonly available for those skilled in the art. Examples of computer readable media include magnetic media (e.g., hard disks, floppy disks, and magnetic tapes), optical media (e.g., CD-ROMs and DVDs), magneto-optical media (e.g., floptical discs), and hardware devices that are specially configured to store and perform program instructions, such as read-only memory (ROM), random access memory (RAM), flash memory, and the like. Examples of program instructions include both machine code, such as produced by a compiler, and files containing higher level code that may be executed by the computer using an interpreter. The above-described hardware devices may be configured to act as one or more software modules in order to perform the operations of the above-described embodiments of the present invention, or vice versa.
Although the invention has been shown and described with respect to the embodiments, it will be understood by those skilled in the art that various changes and modifications may be made without departing from the spirit and scope of the claimed subject matter.
Number | Date | Country | Kind |
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10-2013-0145682 | Nov 2013 | KR | national |