FORM 2
THE PATENT ACT, 1970
(39 OF 1970)
COMPLETE SPECIFICATION
(See Section 10 and rule 13)
"SELF SERVICE KIOSK SYSTEM FOR BANKING TRANSACTION SYSTEM"
Applicant' Name : Forbes Tech nosy s Limited
Address : Plot No C-l 7/18, 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

The present invention relates to a new integrated machine and the method by which it provides a system for performing banking functions and such functions include both dispensing and receiving functions, more particularly the invention relates to a new machine known as Microbanker and the method by which it provides self service platform to deliver various banking functions and other financial transactions by integrating hardware device with software applications in a secure, reliable and cost effective manner.
BACKGROUND OF THE INVENTION
Automated Teller Machine (ATM) systems are well known and widely used in the banking and financial industry for cash withdrawals. 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.
Cash deposit can be done only in bank branches and to make payments one has to make deposits by way of envelop cash deposits or deposit his cheques at bank counters or in drop boxes or kiosk for making deposits or kiosk for bill payment. Currently ATMs are used only for money dispensing and thus limited to cash withdrawals and do not accept cheques or cash for making a deposit into a bank account or be used to pay bills.
Though technology has made cash withdrawals easy for customers yet they endure many inconveniences when it comes to making payments.
The popularity of ATMs has paved the way for widespread acceptance of kiosks. The public is more comfortable now using kiosks in a variety of settings. Since such kiosk only facilitate money withdrawals by public, it is desirable now to have money handling kiosk device having a sufficiently low cost so as to be usable in a greater number of applications. Therefore there is a need for an integrated machine that performs both dispensing and receiving functions in addition to doing basic banking functions.

The present invention "MICROBANKER" provides all such functions. MICROBANKER is a self -service kiosks , which consists of hardware devices that work in combination with software, allowing users to perform any number of possible transactions.
OBJECTS OF THE INVENTION
"MICROBANKER" is for public use to perform banking transactions, it is a low cost machine delivering basic banking services all from one device. It enables a consumer to deposit cheques and cash in the ATM, get a receipt for the same as instant credit in the bank account. It empowers the customers by performing multiple functions on the same platform (Microbanker) and enabling banks to provide highly secure and automated services via a single platform.
MICROBANKER aims at providing an all in one solution for banking consumers including:
• Cash dispensing
• Cash acceptance - micro deposits
• Biometric and smart card access
• Image capture of depositor
• Electronic safe
• Receipt
• Cheque acceptance
• Online operation
And Microbanker aims at providing the above detailed services with the following advantages:
• Multi-function system
• Low transaction cost
• Low energy consumption
• Upgradeable to other banking transactions
• Backup through solar UPS
• Modular design

• Small footprint
• 24x7 operations
• Placed at convenient locations
• Easy to use interface for common people - multi lingual
• Provides a receipt of transaction done on the kiosk
• Automatic account updation
This device meets all 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 safe ,
• digital video surveillance system,
• 3 DES encryption pin pad,
• and many more.
MICROBANKER will attract consumer interest by reducing the time for the customers who have increased hours of work and business by providing shorter wait time to perform number of possible transactions. Thus, MICROBANKER benefits include easy access, less transaction time period, access to information enabling performance, and multiple self serve transactions. It is a high quality, advanced self service device , which is easy to operate and is cost efficient. . It ensures high reliability, low maintenance expenses and detailed records of usage.
BRIEF DESCRIPTION OF DRAWINGS
Fig. 1 - Describes high level system architecture. Fig. 2 - Describes Microbanker Data Flow Diagram.
DETAILED DESCRIPTION OF THE INVENTION
The MICROBANKER is a self service platform and delivers various banking function and other financial transactions by integrating hardware devices with

software applications in a secure, reliable and cost effective manner. MICROBANKER dispenses cash, accepts cash deposits, accepts cheque deposits as well as let the clients 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 and railway/bus/air ticket bookings, as well as all internet banking services.
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 Microb anker 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. 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 eg: 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:
I. The Pin is encrypted by the PCI-DSS compliant 3 DES Pin pad II. The PIN block is returned to the FTS in an encrypted format and which will be forwarded to the switch through TCP/IP protocol
III. The message to the switch is sent using XML format.
IV. The Switch will forward the PIN to the Core Banking System for validation.
V. Validation response will be sent by the switch back to FTS
VI. Depending upon the status ID, FTS will decide if authorized or unauthorized as per ISO 8583
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 - Eg - See Table

Code Description 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 Honor with identification
03 Invalid Merchant 09 Request in progress
04 Capture Card / Pick up 11 Approved(VIP)
05 Do Not Honor 12 Invalid Transaction
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 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

WE CLAIM:
1. A self service platform to deliver various banking functions and financial
transaction including cash dispense and cash/payment acceptance, by
integrating hardware devices with software applications, wherein two basic
application systems are -
i) Financial Transaction Software (FTS), which controls various devices and communicates with these devices using Application Programming Interface (API) ii) Health Monitoring System (HMS), which monitors parameters for devices and triggers alarms or shutdown system when required,
2. . A self service platform as claimed in claim 1, FTS control various devices,
which are:
i) Currency note dispenser
ii) Currency note validator
iii) Cheque Image and MICR Scanner
iv) 3 DES EPP Pin Pad
v) Printer
vi) Finger print reader
vii) Digital video surveillance system,
3. FTS controlling various devices as claimed in claim 2, wherein FTS uses various communication methods such as serial (Rs232), Parallel and USB communication and communicates with devices using Application Programming Interface (API).
4. FTS controlled devices as claimed in claim 2, wherein the process of capturing, encrypting and processing is as under :
I. The Pin is encrypted by the PCI-DSS compliant 3 DES Pin pad II. The PIN block is returned to the FTS in an encrypted format and which will be forwarded to the switch through TCP/IP protocol
III. The message to the switch is sent using XML format.
IV. The Switch will forward the PIN to the Core Banking System for validation. V. Validation response will be sent by the switch back to FTS

VI. Depending upon the status ID, FTS will decide if authorized or unauthorized as per ISO 8583
5. Monitoring and error handling by Health Monitoring System (HSM) as
claimed in claim 1 , wherein
i) The switch returns a code that will determine the status as well as action to
be taken for that step of the transaction. ii) Health Monitoring System (HSM) monitoring parameters for devices and
triggering alarms or shut the system when required. iii) HMS does not poll the devices prior to start of transaction. iv) HMS triggers response where a particular device is malfunctioning.