The present disclosure relates, in general, to automated teller
machines, and more specifically, relates to a system and method for conducting contactless transactions.
BACKGROUND
[0002] Automated Teller Machines ("ATMs") have been in use for years, and
consumers rely on their ability to access cash around the world at these devices. In
a typical ATM transaction, a consumer inserts a plastic card into a card reader of
the ATM and the ATM reads information from a magnetic stripe on the card or a
chip embedded in the card. The information is used to establish communication
with a financial institution associated with the consumer's financial account.
[0003] Recently, human touch avoidance is the primary goal of handling the
coronavirus (covid-19) pandemic situation, where the usage of ATM to withdraw or deposit money increases the chance to spread covid-19. To reduce the human touch operations in the ATM environment, users wear masks and hand gloves to prevent the users from contracting the virus. However, the existing method suffers from significant drawbacks.
[0004] Therefore, there is a need in the art to provide a means that can allow
customers an ability to interact with ATM devices using his/her mobile device to conduct contactless transactions at the ATM and to reduce the spread of the virus.
OBJECTS OF THE PRESENT DISCLOSURE
[0005] An object of the present disclosure relates, in general, to automated
teller machines, and more specifically, relates to a system and method for conducting contactless transactions.
[0006] Another object of the present disclosure is to provide a system that
provides ability to access a wide variety of accounts without carrying cards.
[0007] Another obj ect of the present disclosure is to provide a system that can
conduct transactions at the ATM using mobile device.

[0008] Another object of the present disclosure is to provide a system that
allows greater flexibility, security and control of the transaction.
[0009] Another obj ect of the present disclosure is to provide a system that can
reduce the spread of virus.
[0010] Yet another object of the present disclosure is to provide a system that
can be cost-effective and user friendly.
SUMMARY
[0011] The present disclosure relates, in general, to automated teller
machines, and more specifically, relates to a system and method for conducting contactless transactions.
[0012] In an aspect, the present disclosure provides a system for performing
contactless transactions, the system includes one or more sensors configured to
capture one or more images of an entity within a pre-defined area of an automated
teller machine (ATM) device, a mobile computing device associated with the entity,
the mobile computing device establishes communication with the ATM to conduct
transactions with the ATM device; and a processor operatively coupled to a
memory, the memory storing instructions executable by the processor to receive,
from the one or more sensors, the one or more images of the entity, analyse the
received one or more images to extract a set of facial attributes from the one or more
images; and compare the extracted set of facial attributes with a reference set of
attributes to determine whether the entity is registered in a financial institution
associated with the ATM device, wherein, upon determination of the registered
entity, the processor is configured to transmit a code to the computing device
associated with the entity to facilitate contactless transactions with the ATM device.
[0013] According to an embodiment, the mobile computing device associated
with the entity communicatively coupled with the ATM device through a communication network.
[0014] According to an embodiment, the entity away from the pre-defined
area of the ATM device receives an access priority order of the ATM, when more entities may be waiting to access the services from the ATM.

[0015] According to an embodiment, the one or more sensors comprises a
microphone that can be configured to deliver a voice message to the mobile
computing device associated with the entity, when the entity is next in queue to
access the ATM device.
[0016] According to an embodiment, the one or more sensors can include a
camera that can capture the set of facial attributes of entities within the pre-defined
area of the ATM device, wherein the reference set of attributes comprise pre-stored
images of the entities registered with the financial institution associated with the
ATM device.
[0017] According to an embodiment, the registered entity is verified based on
any or a combination of mobile number, facial attributes and any combination
thereof.
[0018] According to an embodiment, the code is a personal identification
number (PIN) generated by the processor and transmitted to associated mobile
computing device for verification, wherein, upon verification, the entity performs
any or a combination of cash insertion, cash withdrawal, and any combination
thereof from the ATM device.
[0019] According to an embodiment, the system comprises a disinfected
sealed paper pouch configured to receive and deposit cash from the entity.
[0020] According to an embodiment, the processor operatively coupled to a
learning engine, the learning engine configured to determine whether the extracted
set of facial attributes of entities is registered in the financial institution associated
with the ATM device.
[0021] In an aspect, the present disclosure provides a method for performing
contactless transactions with the automated teller machine (ATM) device, the
method includes receiving, at a computing device, from one or more sensors, one
or more images of an entity, the one or more sensors configured to capture the one
or more images of the entity within a pre-defined area of an automated teller
machine (ATM) device, analysing, at the computing device, the received one or
more images to extract a set of facial attributes from the one or more images, and
comparing, at the computing device, the extracted set of facial attributes with a

reference set of attributes to determine whether the entity is registered in a financial institution associated with the ATM device, wherein, upon determination of the registered entity, the computing device is configured to transmit a code to a mobile computing device associated with the entity to facilitate transactions with the ATM device.
[0022] Various objects, features, aspects, and advantages of the inventive
subject matter will become more apparent from the following detailed description of preferred embodiments, along with the accompanying drawing figures in which like numerals represent like components.
BRIEF DESCRIPTION OF THE DRAWINGS
[0023] The following drawings form part of the present specification and are
included to further illustrate aspects of the present disclosure. The disclosure may
be better understood by reference to the drawings in combination with the detailed
description of the specific embodiments presented herein.
[0024] FIG. 1A illustrates an exemplary functional component of a system
for performing contactless transactions, in accordance with an embodiment of the
present disclosure.
[0025] FIG. IB illustrates an exemplary view of ATM environment, in
accordance with an embodiment of the present disclosure.
[0026] FIG. 1C illustrates an exemplary view of face recognition-based
authentication, in accordance with an embodiment of the present disclosure.
[0027] FIG. 2 is a high-level diagram illustrating exemplary method for
initialization for ATM services, in accordance with an embodiment of the present
disclosure.
[0028] FIG. 3 illustrates an exemplary method for authentication for ATM
services, in accordance with an embodiment of the present disclosure.
[0029] FIG. 4 illustrates an exemplary method for performing contactless
transactions, in accordance with an embodiment of the present disclosure.

DETAILED DESCRIPTION
[0030] The following is a detailed description of embodiments of the
disclosure depicted in the accompanying drawings. The embodiments are in such detail as to clearly communicate the disclosure. If the specification states a component or feature "may", "can", "could", or "might" be included or have a characteristic, that particular component or feature is not required to be included or have the characteristic.
[0031] As used in the description herein and throughout the claims that
follow, the meaning of "a," "an," and "the" includes plural reference unless the context clearly dictates otherwise. Also, as used in the description herein, the meaning of "in" includes "in" and "on" unless the context clearly dictates otherwise.
[0032] The present disclosure relates, in general, to automated teller
machines, and more specifically, relates to a system and method for conducting
contactless transactions. The present disclosure may be capable of initiating
contactless ATM transactions including cash withdrawals, cash deposits and the
likes using a mobile computing device associated with an entity. The present
disclosure can be described in enabling detail in the following examples, which may
represent more than one embodiment of the present disclosure.
[0033] FIG. 1A illustrates an exemplary functional component of a system
for performing contactless transactions, in accordance with an embodiment of the present disclosure.
[0034] Referring to FIG. 1A, system 100 can be configured to conduct
contactless transactions with ATM devices 110 or other cash dispensing devices using a mobile computing device 102 associated with an entity. The mobile computing device 102 is capable of initiating ATM transactions, including cash withdrawals, cash deposits and any combination thereof. System 100 can include one or more sensors 104, mobile computing device 102, a processor 106, a memory 108, ATM device 110 and disinfected sealed pouch 114. The present disclosure allows the entity to initiate and conduct a wide variety of transactions at ATM

device 110 without the need to insert a traditional payment card such as a debit card at the ATM device 110.
[0035] As shown in FIG. 1 A, input devices can include one or more sensors
104 and mobile computing device 102. The output devices can include the ATM device 110 and disinfected sealed pouch 114.
[0036] FIG. IB illustrates an exemplary view of ATM environment, in
accordance with an embodiment of the present disclosure. The system 100 can be implemented as an application on a server, it may be understood that the system 100 may also be implemented in a variety of computing systems, such as a laptop computer, a desktop computer, a notebook, a workstation, a server, a network server, a cloud-based environment and the like. It would be appreciated that the system 100 may be accessed by multiple entities (also referred to as customers) through mobile computing devices 102 or applications residing on the mobile computing devices 102. The system 100 can be coupled to the financial institution 116 through a communication network.
[0037] FIG. 1C illustrates an exemplary view of face recognition-based
authentication, in accordance with an embodiment of the present disclosure. In an
embodiment, one or more sensors 104 (also referred to as sensors 104, herein) can
include a camera, a microphone and any combination thereof. The sensors 104 can
capture one or more images of the entity within a pre-defined area e.g., 1-meter
distance of the ATM device 110. For example, as for security purposes, the
user/entity nearer to the ATM i.e., within the range of 1-meter distance is allowed
to perform transactions with the ATM device 110. The camera can be installed in
the proximity of ATM device 110 to capture images of the entity.
[0038] The microphone is configured to deliver a voice message to the mobile
computing device 102 associated with the entity, when the entity is next in queue to access the ATM device 110. The mobile computing device 102 associated with the entity establishes communication with the ATM device 110 to conduct contactless transactions with the ATM device 110.
[0039] The processor 106 is operatively coupled to the memory 108, the
memory 108 storing instructions executable by the processor to receive, from the

sensors 104, the one or more images of the entity. The processor 106 can analyse the received one or more images to extract a set of facial attributes from one or more images. The processor 106 can extract facial parameters from the captured images using facial recognition techniques. The processor 106 can compare the extracted set of facial attributes with a reference set of attributes to determine whether the entity is registered in a financial institution 116 associated with the ATM device 110. The reference set of attributes can be a set of pre-stored images of the entities registered with the financial institution 116 e.g., bank associated with the ATM device 110.
[0040] The processor 106, upon determination of the registered entity,
configured to transmit a code to the mobile computing device 102 associated with the entity to facilitate transactions with the ATM device 110. The code can be a personal identification number (PIN) generated by the processor 106 and transmitted to the associated mobile number for verification, when the entity is verified, the entity may perform operations such as cash insertion, cash withdrawal, and any combination thereof from the ATM device 110. The registered entity can be verified based on any or a combination of mobile number, facial attributes and any combination thereof.
[0041] In another embodiment, the entity away from the pre-defined area of
the ATM device 110 gets an access priority order of the ATM, when more entities are waiting to access the services from the ATM device 110. For example, the users away from the 1-meter range of ATM device 110 are allowed to receive the access priority order of the ATM.
[0042] For example, ATM environment is equipped with a secure wireless
fidelity (Wi-Fi) for the customer to use his/her application e.g., generalized mobile ATM (GMATM) app. When the user enters in the specified Wi-Fi region, application residing in the mobile computing device 102 gets synchronized with ATM environment Wi-Fi. Each ATM Wi-Fi connection provided with unique identifier (UTD) and each ATM environment is provided with its UTD. User is permitted to select his/her bank-branch of current transaction selection. This action is performed after collecting the priority order to access the ATM for transactions.

This is mainly finalized with the help of the mobile number of the user registered with the various bank accounts.
[0043] When the application is synchronized with the ATM WiFi, and with
ATM for transactions, the user is provided with priority number to access the ATM
operations, when more than one person is waiting to access the services from the
ATM. When the specific persons ATM access is granted, the GMATM app can
deliver a voice message that states you are the next servicer to enter in the area of
ATM. As for the security purposes, the user who is nearer to ATM device i.e.,
within the range of 1-meter distance is allowed to perform transactions with the
ATM device 110. The users, whose are away from 1-meter range of ATM device
110 are allowed to get the access priority order of the ATM.
[0044] In one implementation, the mobile computing device 102 associated
with the customer/entity can be operatively coupled to ATM device 110 through
the communication network. The communication network can be a wireless
network, a wired network or a combination thereof. The network can be
implemented as one of the different types of networks, such as wifi, intranet, local
area network (LAN), wide area network (WAN), the internet, and the like. Further,
the network may either be a dedicated network or a shared network. The shared
network represents an association of the different types of networks that use a
variety of protocols, for example, Hypertext Transfer Protocol (HTTP),
Transmission Control Protocol/Internet Protocol (TCP/IP), Wireless Application
Protocol (WAP), and the like, to communicate with one another. Further the
network can include a variety of network devices, including routers, bridges,
servers, computing devices, storage devices, and the like. In another
implementation the network can be cellular network or mobile communication
network based on various technologies, including but not limited to, Global System
for Mobile (GSM), General Packet Radio Service (GPRS), Code Division Multiple
Access (CDMA), Long Term Evolution (LTE), WiMAX, and the like.
[0045] In an embodiment, the processor 106 is operatively coupled to a
learning engine 112 as shown in FIG. 1A, the learning engine 112 configured to determine whether the extracted set of facial attributes of entities is registered in the

financial institution 116 associated with the ATM device 110. The learning engine 112 can be artificial intelligence (AI) subsystem with the sensors as the camera, using computer vision and facial recognition programs with efficient algorithms, the ATMs are provided with artificial intelligence to recognize the ATM user as a bank customer. As part of the AI subsystem, bank customers face data can be collected and stored, and the existing touch and manual operations of the ATM to be converted into untouched ATM operations through the camera, microphone as hardware and algorithms/programs as software. The microphone-based instruction to the ATM is processed based on all available operations of the ATM with audio keywords based on Natural Language Processing (NLP). As for the improved security, the 2-step authentication, which include customer mobile number-based confirmation as the response from the user mobile on the spot at the ATM is collected.
[0046] In another embodiment, system 100 can include the disinfected sealed
paper cover/ pouch 114 configured to receive any or a combination of withdrawal cash and deposit cash from the entity. For example, cash withdrawal and deposit, where these two operations are highly subjected to involve with human touch operations, a provision of providing money with sanitized sealed paper cover from the ATM device 110 and inserting money with sanitized sealed paper cover to the ATM device 110 is proposed.
[0047] The embodiments of the present disclosure described above provide
several advantages. The one or more of the embodiments provides system 100 that provides ability to access a wide variety of accounts without carrying cards. The present disclosure provides system 100 that can conduct transactions at the ATM using mobile computing device 102. The system 100 allows greater flexibility, security and control of the transaction. The system 100 can reduce the spread of virus, can be cost-effective and user friendly.
[0048] FIG. 2 is a high-level diagram illustrating exemplary method for
initialization for ATM services, in accordance with an embodiment of the present disclosure.

[0049] Referring to FIG. 2, the method 200 includes at block 202, the entity
is present within the pre-defined area e.g., 5m radius range in front of the ATM
device 110. At block 204, the applications e.g., CL ATM app residing on the mobile
computing devices 102 associated with the entity configured to synchronize with
the ATM network at block 206. At block 208, the entity who is nearer to ATM i.e.,
within the range of 5-meter distance is allowed to perform transactions with the
ATM device 110, and the entity away from the pre-defined area of the ATM device
110 get an access priority order to access the ATM device 110.
[0050] At block 210, the sensor can capture one or more images of the entity
within the pre-defined area of the ATM device 110. At block 212, facial parameters
are extracted from the captured images using facial recognition techniques to
conduct cash withdrawal at block 214 and cash deposit at block 216.
[0051] FIG. 3 illustrates an exemplary method for authentication for ATM
services, in accordance with an embodiment of the present disclosure.
[0052] Referring to FIG. 3, the method 300 includes at block 302, the
applications residing on the mobile computing devices 102 associated with the
entity configured to initialize synchronization with the ATM network. At block 304,
the mobile computing devices 102 associated with the entity configured to
synchronize with the ATM network. At block 306, the entity present within the pre¬
defined area in placed in the priority queue. At block 308, the system configured to
determine if the entity is an authenticated entity of the ATM.
[0053] At block 310, verity the account details of the entity, to determine the
entity is registered with financial institution associated with the ATM device 110. At block 312, upon determination of the registered entity, the mobile computing device 102 associated with the entity can perform transaction from the ATM device 110.
[0054] FIG. 4 illustrates an exemplary method for performing contactless
transactions, in accordance with an embodiment of the present disclosure.
[0055] Referring FIG. 4, the method 400 includes at block 402, the computing
device can receive, from one or more sensors, one or more images of the entity, the

one or more sensors configured to capture the one or more images of the entity within the pre-defined area of the ATM. device 110.
[0056] At block 404, the computing device can analyse the received one or
more images to extract the set of facial attributes from the one or more images. At block 406, the computing device can compare the extracted set of facial attributes with the reference set of attributes to determine whether the entity is registered in the financial institution associated with the ATM device 110. At block 408, on determination of the registered entity, the computing device is configured to transmit a code to the mobile computing device associated with the entity to facilitate transactions with the ATM device 110.
[0057] It will be apparent to those skilled in the art that the system 100 of the
disclosure may be provided using some or all of the mentioned features and components without departing from the scope of the present disclosure. While various embodiments of the present disclosure have been illustrated and described herein, it will be clear that the disclosure is not limited to these embodiments only. Numerous modifications, changes, variations, substitutions, and equivalents will be apparent to those skilled in the art, without departing from the scope of the disclosure, as described in the claims.
ADVANTAGES OF THE PRESENT DISCLOSURE
[0058] The present disclosure provides a system that enables ability to access
a wide variety of accounts without carrying cards.
[0059] The present disclosure provides a system that can conduct transactions
at the ATM using mobile device.
[0060] The present disclosure provides a system that allows greater
flexibility, security and control of the transaction.
[0061] The present disclosure provides a system that can reduce the spread of
virus.
[0062] The present disclosure provides a system that can be cost-effective and
user friendly.

A system (100) for performing contactless transactions, said system comprising:
one or more sensors (104) configured to capture one or more images of an entity within a pre-defined area of an automated teller machine (ATM) device (110);
a mobile computing device (102) associated with the entity, said mobile computing device (102) establishes communication with the ATM device (110) to conduct transactions with the ATM device (110); and
a processor (106) operatively coupled to a memory (108), the memory (108) storing instructions executable by the processor to:
receive, from the one or more sensors (104), the one or more images of the entity;
analyse the received one or more images to extract a set of facial attributes from the one or more images; and
compare the extracted set of facial attributes with a reference
set of attributes to determine whether the entity is registered in a
financial institution (116) associated with the ATM device, wherein,
upon determination of the registered entity, the processor is
configured to transmit a code to the mobile computing device (102)
associated with the entity to facilitate contactless transactions with
the ATM device.
The system as claimed in claim 1, wherein the mobile computing device
(102) associated with the entity is communicatively coupled with the ATM
device (110) through a communication network.
The system as claimed in claim 1, wherein the entity away from the pre-defined area of the ATM device (110) receives an access priority order of the ATM, when more entities are waiting to access the services from the ATM device (110).

4. The system as claimed in claim 3, wherein the one or more sensors (104) comprise a microphone that is configured to deliver a voice message to the mobile computing device (102) associated with the entity, when the entity is next in queue to access the ATM device (110)
5. The system as claimed in claim 1, wherein the one or more sensors (104) comprises a camera that captures the set of facial attributes of the entity within the pre-defined area of the ATM device, wherein the reference set of attributes comprise pre-stored images of the entities registered with the financial institution associated with the ATM device.
6. The system as claimed in claim 5, wherein the registered entity is verified based on any or a combination of mobile number, facial attributes and any combination thereof.
7. The system as claimed in claim 6, wherein the code is a personal identification number (PIN) generated by the processor (106) and transmitted to associated mobile computing device (102) for verification, wherein, upon verification, the entity performs any or a combination of cash insertion, cash withdrawal, and any combination thereof from the ATM device (110).
8. The system as claimed in claim 1, wherein the system comprises a disinfected sealed paper pouch (114) configured to receive and deposit cash from the entity.
9. The system as claimed in claim 1, wherein the processor (106) operatively coupled to a learning engine (112), the learning engine (112) configured to determine whether the extracted set of facial attributes of entities is registered in the financial institution associated with the ATM device (110).
10. A method (400) for performing contactless transactions, the method comprising:
receiving (402), at a computing device, from one or more sensors, one or more images of an entity, said one or more sensors configured to capture the one or more images of the entity within a pre-defined area of an automated teller machine (ATM) device;

analysing (404), at the computing device, the received one or more images to extract a set of facial attributes from the one or more images; and
comparing (406), at the computing device, the extracted set of facial attributes with a reference set of attributes to determine whether the entity is registered in a financial institution associated with the ATM device, wherein, upon determination of the registered entity, the computing device is configured to transmit (408) a code to a mobile computing device associated with the entity to facilitate transactions with the ATM device.