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Telephones/ATM Machine for sending / receiving SMS and Email.

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ATM Keypad
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Cell Phone Keypad
Cell Phone Keypad  
QUESTION: Dear Tom

http://en.wikipedia.org/wiki/Automated_teller_machine‎
http://en.wikipedia.org/wiki/Short_Message_Service‎
https://en.wikipedia.org/wiki/Email‎
http://www.atmmarketplace.com/showcases.php
http://en.wikipedia.org/wiki/Mobile_network_operator
https://en.wikipedia.org/wiki/Internet_service_provider


1. Are sending / receiving SMS and sending / receiving Emails could be useful functions / features integrated in Automated teller machines ?.

2. Technically for the above functions/features to work, will the following changes mentioned below to be incorporated in the ATM device ?

a. ATM Keypad to be changed , similar to a Cell Phone Device keypad accepting numbers, characters (upper,lower case), special characters, symbols for sending / receiving SMS and Emails.

b. ATM processors (electronic circuits hardware) integration/modification dedicated for carrying out those above functions.

c. ATM software menu changes for implementing those functions/features.


3. The 4 digit pin number can also be replaced now by adding a strong alphanumeric password of 6-8 characters by ATM debit card holder. Could this be a useful function ?.

4. The ATM manufacturers collaborating with Mobile Network Operators and Internet Service Providers to achieve the above functionality could be useful in this context ?.

Awaiting your reply,

Thanks & Regards,
Prashant S Akerkar

ANSWER: My answers to your questions are as follows:

1. Are sending / receiving SMS and sending / receiving Emails could be useful functions / features integrated in Automated teller machines ?

ANSWER: I do not believe so - today people have the ability to send and receive SMS and email messages on may devices, including cellphones, tablet PC, notebook and desktop computers. I personally do not see the value in also being able to do so at an ATM. Simply comparing the convenience of each of these devices, the cellphone is probably most convenient and ATM would be least convenient.

2. Technically for the above functions/features to work, will the following changes mentioned below to be incorporated in the ATM device ?

a. ATM Keypad to be changed , similar to a Cell Phone Device keypad accepting numbers, characters (upper,lower case), special characters, symbols for sending / receiving SMS and Emails.


ANSWER: This could be done by means of a touch screen at likely significant additional cost. Change the keypad would incur several problems: There may not be enough space for the additional keys required; and if the additional keys were added they would have to be smaller, making it nmore difficult for those with impaired vision to use.

b. ATM processors (electronic circuits hardware) integration/modification dedicated for carrying out those above functions.

c. ATM software menu changes for implementing those functions/features.


ANSWER: There would have to be changes made to accommodate the additional functions both in hardware and software.

3. The 4 digit pin number can also be replaced now by adding a strong alphanumeric password of 6-8 characters by ATM debit card holder. Could this be a useful function ?.

ANSWER: Yes, this would definitely be useful for security. Even the ability to use other ASCII characters such as $, %, *, &, #, @ would be useful in allowing the user to make the password more complex if they chose to do so.

4. The ATM manufacturers collaborating with Mobile Network Operators and Internet Service Providers to achieve the above functionality could be useful in this context ?.

ANSWER: It is hard to comment without a formal proposal. Just based on the cost/benefit analysis, I think that it is unlikely to happen. The addition of characters for use in the password would be much easier to implement by itself and would be useful. It would not require mobile operator involvement, and could potentially be done without a significantly larger keypad footprint.



---------- FOLLOW-UP ----------

QUESTION: Dear Tom

Thank you.

http://en.wikipedia.org/wiki/Internet_security‎
http://technet.microsoft.com/en-us/library/cc958825.aspx

Once the ATM is exposed to the internet via a public IP address for email
services (using SMTP,POP protocols) i.e. for sending and receiving emails, only the following email server sites will be accessed to the valid ATM debit card user. Browser application will be part of the ATM machine.

http://mail.yahoo.com
http://mail.google.com
http://mail.rediff.com
http://www.hotmail.com


i.e. All other web sites will be blocked except email servers sites.
Internet security of the highest level in the form of firewall implementation, anti virus software, SSL etc will be added to the ATM machine for preventing attacks from Hackers, viruses etc.

A maximum of 10 minutes will be given to the ATM debit card user for financial transactions, sending/receiving email, sending SMS, checking SMS Inbox. After 10 minutes the ATM system will automatically log out the ATM debit card user.

The SMS received by the ATM device will be in silent mode unlike the SMS received in the form of ring tone/s in a cellphone/smartphone device.

Awaiting your reply,

Thanks & Regards,
Prashant S Akerkar

Answer
I am still not convinced that such a system would have much of a demand. Usually people use SMS to get a message to the recipient immediately. In this case that would work for the person at the ATM sending the message, but not for anyone who might later, after the person left the ATM in attempting to contact the person.

Although the situation may differ in other parts of the world, I would think that the accessibility and widespread use of cellphones in North America, Europe, and many part of Asia would make it easier to send SMS messages via the cellphone. Email could be sent via PC or cell. The only difference might be cost for data traffic.

I also think that before such a system would be implemented, there would have to be a business case for the banks to invest the money. It is not clear to me what benefit this would provide to the bank in terms of return on their investment.

Regards,
Tom
http://tjstechnical.com

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Tom Smith

Expertise

I can answer questions regarding product approvals, including areas such as Product safety, Electromagnetic Compatibility (EMC), Telecommunications, Environmental requirements such as RoHS (Restrictions on Hazardous Substances), WEEE (Waste Electrical and Electronic Equipment), and international approvals requirements.

Experience

I have been involved in product approvals for over 25 years, working both for major manufacturers, design organizations, and two major testing laboratories. I have experience putting products into countries around the world, working with various approvals agencies, and have been involved in various standards development agencies (Product Safety, EMC and Telecom). I was the Senior Approvals Engineer at the first private telephone approvals laboratory in Canada, and have been involved in the development of Industry Standards for telephone and telephone products.

Organizations
- Senior Member of IEEE - Association of Professional Engineers, Geologists, and Geophysicists of Alberta (APEGGA) - Professional Engineers of Ontario (PEO) - Terminal Attachment Program Advisory Committee (TAPAC) which is under the jurisdiction of Industry Canada (Department of the Gov't of Canada) - Canadian Standards Association

Education/Credentials
B.A.SC (Electrical Engineering)

Awards and Honors
- Only Approvals Liasion Engineer (ALE) ever appointed by AUSTEL (AUSTEL is no longer the authority in Australia, and the ALE program was also replaced in 1997) - Former Deputy Approvals Liasion Engineer appointed by the British Approvals Board for Telecommunications (BABT)

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