FORM 2
THE PATENT ACT, 1970
(39 OF 1970}
COMPLETE SPECIFICATION
(See Section 10 and rule 13)
"ADVANCED MULTI-FUNCTION ATM
Applicant' Name : Forbes Technosys Limited
Address : Plot No C-17/18, Road No 16,
Wagle Industrial Estate, Thane-400604 , Maharashtra, India.
The following specification particularly describes the invention and the matter in which it is to be performed

FIELD OF THE INVENTION
The present invention relates to an Automatic Teller Machine, more particularly it relates to enablement of Bulk Cash Deposit, image based cheque deposit and biometrically enabled transactions.
BACKGROUND OF THE INVENTION
A large number of ATMs have been deployed all over the world that enables consumers to withdraw money and conduct other banking transactions. However, while ATMs dispense money they do not accept cheques or cash that can be used for making a deposit into a bank account or be used to pay bills. There is a need for an integrated machine that performs both dispensing and receiving functions in addition to doing basic banking functions.
India is a cash oriented economy and a majority of transactions happen using cash. While regular ATMs enable cash withdrawal, they do not permit note deposits and bulk note deposit {i.e. multiple notes at the same time).
Cheque Truncation has been introduced in India, but current day ATMs do not offer the facility of image based cheque deposit.
Further, current ATMS offer access through cards and pin numbers, the MICROBANKER ADVANCED is designed to enable biometric access for conducting transactions.
Technologies and processes that address this problem today: manned bank counters, wooden drop boxes for cheque collection, ATMs for money dispensing, kiosks for making deposits, kiosks for bill payment.
Currently a person has to deposit payments-only in bank branches or make an envelope cash deposit (not note by note deposit or bulk note deposit, as in the case of the Forbes Microbanker Advanced) or deposit his cheque at bank counters on in drop boxes. This

invention enables a consumer to deposit cheques and cash in the ATM, get a receipt for the same as well as instant credit in the bank account
OBJECT OF THE INVENTION
The object of the present invention is empowering the Consumer by performing multiple functions on the same platform (Microbanker Advanced) and enabling banks to provide highly secure and automated services to customers via a single platform.
Yet another object of the present invention is to provide The MICROBANKER Advanced automated teller machine that provides an all in one solution for banking consumers including cash dispensing.
Yet another object of the present invention is to provide The MJCROBAJMKER Advanced automated teller machine that provides an all in one solution for banking consumers including Cash acceptance (micro deposits), with bunch note feeder, which accepts and validates up to 30 notes or more at a time.
Yet another object of the present invention is to provide The MICROBANKER Advanced automated teller machine that provides an all in one solution for banking consumers including Biometric and smart card access.
Yet another object of the present invention is to provide The MICROBANKER Advanced automated teller machine that provides an all in one solution for banking consumers including Image capture of depositor.
Yet another object of the present invention is to provide The MICROBANKER Advanced automated teller machine that provides an all in one solution for banking consumers including electronic safe.
Yet another object of the present invention is to provide The MICROBANKER Advanced automated teller machine that provides an all in one solution for banking consumers including generation of receipt.

Yet another object of the present invention is to provide The MICROBANKER Advanced automated teller machine that provides an all in one solution for banking consumers including cheque acceptance facility.
Yet another object of the present invention is to provide The MICROBANKER Advanced automated teller machine that provides an all in one solution for banking consumers including an online operation.
DESCRIPTION OF DRAWING
Figure 1 the integrated process of this invention is illustrated in the schematic process flow diagram of the high level system architecture of the Microbanker Advanced is a self service platform to deliver various banking function and other financial transactions by integrating hardware devices with software applications in a secure, reliable and cost effective manner.
DETAILED DESCRIPTION OF THE INVENTION
The following is a detailed description and explanation of the preferred embodiments of the process of the invention with some examples thereof. In order to better appreciate the invention, it is described with reference to the figure 1 which illustrates the preferred embodiment of the invention.
As indicated in Figurel, the high level system architecture of the Microbanker Advanced automated teller machine comprising of health monitoring and reporting module (12), communication module (14), Log error monitoring and reporting module (16), device connector module/s (18), Configuration module (20), Statistics and reports module (22), Core engine (24), XML based configuration settings (26), use case based GUI module (28), Pluggable Business logic module/s (30), BL configurator (32), Security (physical and application) Monitoring module (34), persistence module (36) and Local storage (38).

The present invention relates to an Automatic Teller Machine, more particularly it relates to enablement of Bulk Cash Deposit, image based cheque deposit and biometrically enabled transactions.
Microbanker Advanced is a low cost machine delivering basic banking services all from one device. The device can dispense cash, accept cash deposits, accepts cheque deposits as well as lets the client do other transactions from this device like balance enquiry, pin change, mobile top ups, printing of statements, etc. The device can also be used for bill payments, mobile phone tope ups, and railway/bus/air ticket bookings, as well as all internet banking services.
This device meets ail financial security standards like two factor authentication, biometric plus smart cards based access, secure communication to core banking system through the financial switch, UL compliant cash cafe, digital video surveillance system, 3 DES encryption pin pad, and many more.
The device is made with state of the art hardware technology and has very low power consumption suitable for using Solar Powered back up for longer power outages.
There are two basic application systems within this architecture that operate in the Microbanker Advanced namely the Financial Transaction Software (FTS) and the Health Monitoring System (HMS)
The Financial Transaction System
The core engine of the system is the financial transaction software (FTS) application module that runs on the machine. The FTS controls all the communication to and from the devices. The devices that the FTS controls are:
1. Currency note dispenser
2. Bunch Note Feeder and Currency Note Validator
3. Cheque Image and MICR Scanner
4. 3 DES EPP Pin Pad
5. Printer
6. Finger Print Reader
7. Digital Video Surveillance System

The FTS communicates with the devices using Application Programming Interface (API) developed for each device. Using various communication methods such as serial (Rs232), Parallel and USB communication the FTS sends commands to the devices using APIs and will receive response from the device using APIs. For e.g.: The FTS will send a command to the EPP Pin Pad through its API to generate a PIN BLOCK when the user enters the PIN. Pin Block will be sent back to the FTS by the API.
Depending upon the use case the devices will be switched on and off. User data will be captured and encrypted and processed for authentication from the switch. The process is as follows:
1. The Pin is encrypted by the PCI-DSS compliant 3 DES Pin pad
2. The PIN block is returned to the FTS in an encrypted format and which will be forwarded to the switch through TCP/IP protocol
3. The message to the switch is sent using XML format.
4. The Switch will forward the PIN to the Core Banking System for validation.
5. Validation response will be sent by the switch back to FTS
6. Depending upon the status ID, FTS will decide if authorised or unauthorised as per ISO 8583
The invention is described hereinafter, with reference to the following examples, which are illustrative only and should not be construed to the fimit of the scope of present invention.
Example 1
Success or failure of all transactions will be monitored and suitable error handling will be initiated as per ISO standards. The process is as follows:
1. The switch returns a code that will determine the status as well as action to be taken for that step of the transaction - E.g. - See Table

Code ^ Description \ ■ f; Code Description
00 Approved 06 Error

01 Refer to Card Issuer/ Decline 07 Pick up, Special Conditions
02 Refer to special conditions of card issuer 08 Honour with identification
03 Invalid Merchant 09 Request in progress
04 Capture Card / Pick up 11 Approved(VIP)
05 Do Not Honour 12 Invalid Transaction
Example 2
The Health Monitoring System (HMS) will constantly monitor set parameters for all devices and will trigger alarms or shutdown systems as the case may be. The system operates as follows:
1. The HMS will poll the devices prior to start of the transaction.
2. If it detects that a particular device is malfunctioning it will trigger a response as per the error status.
3. Following are an example of the error status along with its response triggers.

DEVICE Error Status TRIGGER
Printer Paper Out Stop all functionality where receipt is required
Paper Low Send alert to managed services provider
Paper Jam Stop all functionality where receipt is required

Cash Dispenser Cash is low Send alert to managed services provider
Cash is empty Stop cash dispense functionality

Cash validator Cash jam Stop cash deposit functionality
Cash box near full Send alert to managed services provider
Cash stacker full Stop cash deposit functionality
Additional advantages and modification wi I readily occur to those skilled in the art. Therefore, the invention in its broader aspects is not limited to the specific details and illustrative examples shown and described herein. Accordingly various modifications

may be made without departing from the spirit or scope of the general inventive concept as defined by the appended claims and their equivalents,

We Claim:
1. The Microbanker Advanced automated teller machine comprising of health monitoring and reporting module (12), communication module (14), Log error monitoring and reporting module (16), device connector module/s (18), Configuration module (20), Statistics and reports module (22), Core engine (24), XML based configuration settings (26), use case based GUI module (28), Pluggable Business logic module/s (30), BL configurator (32), Security (physical and application) Monitoring module (34), persistence module (36) and Local storage (38).
2. The Microbanker Advanced automated teller machine as claimed in claim 1 further comprising Financial Transaction Software (FTS) and the Health Monitoring System (HMS).
3. The Microbanker Advanced automated teller machine as claimed in claim 2 wherein FTS controls are:

(a) Currency note dispenser
(b) Bunch Note Feeder and Currency Note Validator
(c) Cheque Image and MICR Scanner
(d) 3 DES EPP Pin Pad
(e) Printer
(f) Finger Print Reader
(g) Digital Video Surveillance System
4. The Microbanker Advanced automated teller machine as claimed in claim 2 wherein
The Health Monitoring System (HMS) will constantly monitor set parameters for all
devices and will trigger alarms or shutdown systems as the case may be comprising the
steps of
(a) The HMS will poll the devices prior to start of the transaction.
(b) If it detects that a particular device is malfunctioning it will trigger a response as per the error status.
(c) Following are an example of the error status along with its response triggers.

5. A process of the Microbanker Advanced automated teller machine as claimed in claim 1, to 4 comprising the steps of communicating the devices using application Programming Interface (API) by FTS, developed for each device using various communication methods such as serial (Rs232), Parallel and USB communication the FTS sends commands to the devices using APIs and will receive response from the device using APIs.
6. A process as claimed in claim 5, further comprising the steps of

(a) The Pin is encrypted by the PCI-DSS compliant 3 DES Pin pad
(b) The PIN block is returned to the FTS in an encrypted format and which will be forwarded to the switch through TCP/IP protocol
(c) The message to the switch is sent using XML format.
(d) The Switch will forward the PIN to the Core Banking System for validation.
(e) Validation response will be sent by the switch back to FTS
(f) Depending upon the status ID, FTS will decide if authorised or unauthorised as per ISO 8583