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ATMs and transaction terminals
March 25th, 2009
José Angel Martínez Usero
INREDIS Scientific Director
This presentation is supported by
Interfaces de relación entre el entorno y las personas con discapacidadETTICASS – Alicante – 16 octubre de 2008
ATMs and transaction terminalsATMs and transaction terminals
ATMs are the most common device for interaction with banks
The number of available ATMs has risen greatly since 70’s
Progressive introduction on daily live, and familiarity in the society [eg. young people uses ATMs more intensely and broadly]
Beyond traditional banking actions, ATMs tend to offer a wider range of services [event ticketing, topping up the mobile, surfing the Internet, etc.]
Will ATMs converge to access points to services of e-government, tourism, leisure, etc.?
Interfaces de relación entre el entorno y las personas con discapacidadETTICASS – Alicante – 16 octubre de 2008
Present situationPresent situation
The accessibility assessment of ATMs has highlighted serious deficiencies regarding improvements in electronic accessibility
users with visual impairment users with physical difficulties (hand movements)
Also physical accessibility barriers related to urban accessibility, disposition (height and inclination), and so on.
Some ATMs provide integrated assistive technologies, but:Lack of standardization
Proprietary and closed systems
High cost
There is no consensus across networks of banks
Different applications in different geographic areas (regions, countries)
Interfaces de relación entre el entorno y las personas con discapacidadETTICASS – Alicante – 16 octubre de 2008
In the near future : mobile ATsIn the near future : mobile ATs
Mobile device as an ideal terminal able to interact with ATMsFamiliarity with the deviceMobility and autonomy Several connectivity protocols Computational capabilitiesWide range of pre-installed ATs
It has a high acceptability on discussion groups with people with disabilities (1)
Main concerns on interoperability, ubiquity and security
(1) Experimental research on mobile potentialities as terminal able to interact with vending machines and ATMs. ONCE Foundation
Interfaces de relación entre el entorno y las personas con discapacidadETTICASS – Alicante – 16 octubre de 2008
In the near future : ubiquitous ATsIn the near future : ubiquitous ATs
The basisOpen software ATsOpen DMR ATs
Different steps of technological developmentDownloadable ATsPortable ATs Embedded ATsTotally ubiquitous ATs
Main RequirementsReady to use from the first momentConfiguration according to user needsUser identification and modelling
Interfaces de relación entre el entorno y las personas con discapacidadETTICASS – Alicante – 16 octubre de 2008
3G Accessibility combines several core issues3G Accessibility combines several core issues
3G Accessibility is the future Accessibility + Interoperability + Ubiquity
Interoperates semantically with any other device
Incorporates accessible criteria for all
Can be set according to my needs and preferences
Creates naturally multimodal interaction channels
Interfaces de relación entre el entorno y las personas con discapacidadETTICASS – Alicante – 16 octubre de 2008
3G Accessibility trends3G Accessibility trends
Using user mobile devices for interacting with other devices or services is an accessibility trend:
European research projects: I2HOME, VITAL, MONAMI, SOPRANO, etc.
Standards: ISO 24752 - URC (Universal Remote Console)
National research projects: INREDIS (Spain)
Promoting ubiquitous ATs is being researched
International: “Raising the” floor initiative European: Abilitynet (UK) + INREDIS project (2M euro for basic research)National initiatives: Barclays (UK + Spanish branch) + la Caixa (Spain)
Interfaces de relación entre el entorno y las personas con discapacidadETTICASS – Alicante – 16 octubre de 2008
Proof-of-concept. Spanish R&D projectProof-of-concept. Spanish R&D project
User validation of a proof-of-concept with peoplewith disabilities resulted in:
Every requested tasks were completed successfully
This way of barrier elimination was positively valorised
Users with disabilities declared that they would use it when available
Users with disabilities recover control on the ATM
Developed by:
Interfaces de relación entre el entorno y las personas con discapacidadETTICASS – Alicante – 16 octubre de 2008
Technologies used in the designTechnologies used in the design
TechnologiesCommunication: NFC and WIFI, using WIFI Protected SetupSecurity: EAP-WSC and WPA2/AES (network level), HTTPS (client-server level)Interface: Web technologies with WCAG and MWI best practicesATs: the pre-installed in the user mobile device + user preferences
Detected market barriersATMs do not include wireless communication technologies (NFC, WIFI and similar)Mobile devices do not combine NFC and WIFI or other potential solutions with accessibility characteristics
Trend for future improvement: inclusion of interoperability architectures (URC-UCH), communication channels and web services.
Interfaces de relación entre el entorno y las personas con discapacidadETTICASS – Alicante – 16 octubre de 2008
CONTACT ME!CONTACT ME!
Jose Angel Martínez UseroScientific Director of INREDIS ProjectCo-ordinator of Tecnosite’s Brussels OfficeAcademic Director of Master on Accessible Technologies
CONTACT ME! [email protected]@technosite.es
FOLLOW ME!http://twitter.com/joseusero
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