Short Project -1

Designing a Micro ATM

Pradeep Verma
(14119016)

Goal
Withdraw Rs. 500 from specified a/c
Task (Formulate)
Collect ATM card
Go to ATM center
Collect money

Action (Specify)
Pick up the ATM card
Walk to the ATM center

Outcome (Evaluate)
Receipt gives the details of transaction
User is able to understand this
Money collect assures this

Human action cycle for literate user

Action (Execute)
Swipe the card
Enter PIN
Select the banking service option
Select cash withdrawal option
Enter deposit
Collect receipt

Outcome (Interpret)
Machine changes the screen
Sound of money counting
Transaction successful
Receipt collected
Outcome (Perceive)
Screen interface changes
Entering the a/c number & pin provides
the receipt
Collect money from machine

UI of the system

*op = operator
Goal
Withdraw Rs. 850 from specified a/c
Task (Formulate)
Collect passbook
Go to bank to collect money
Action (Specify)
Pick up the passbook
Walk to the bank
Ask receptionist for help
Go to the cashier
Ask for the withdrawal slip

Outcome (Evaluate)
Money is collected from the counter
Receipt is also there with me
Count the money
Leave the bank
Human action cycle for illiterate user

Action (Execute)
Fill up the withdrawal slip
Collect token from the counter
Wait for the turn
Go to the counter when called
Collect money in return of token

Outcome (Interpret)
Token is collected
E-display shows when my turn comes
Walk to the counter on my turn
Outcome (Perceive)
Give form to the counter person
Counter person asks for passbook
Verifies the thumb impression
Stamps the form

UI of the system

Goal
Check if subsidy has been deposited
Task (Formulate)
Collect ATM card
Go to ATM center
Check the status of subsidy
Action (Specify)
Pick up the ATM card
Walk to the ATM center
Follow guidelines

Outcome (Evaluate)
Receipt gives the details of transaction
User is able to understand this
Receipt gives this satisfaction

Human action cycle for literate user

Action (Execute)
Swipe the card
Select language
Enter PIN
Select the banking service option
Select mini statement option
Click OK

Outcome (Interpret)
Machine changes the screen
Screen shows the status of deposit
Receipt printed

Outcome (Perceive)
Screen interface changes
PIN changes the screen
Collect receipt

UI of the system

Human action cycle for illiterate user

Goal
Deposit the cheque of Rs. 1500 to his
specified a/c

Task (Formulate)
Collect cheque
Go to the bank
Deposit cheque

Deposit the cheque of Rs. 1500 to

his specified a/c
*op = operator
Outcome (Evaluate)
Receipt gives the details of transaction
User is unable to the complete
procedure
Receipt fails to satisfy the user

Action (Specify)
Pick up the cheque
Write down the a/c number (optional)
Walk to the bank

Outcome (Interpret)
Cheque & form dropped in the drop box

Action (Execute)
Ask the receptionist for guidance
Look for the cheque deposit form
Fill in the details
Show the cheque & form to the person
at the deposit counter & get it stamped
Drop the form & cheque in the drop box

Outcome (Perceive)
Form is filled up
Deposit counter person checks details
Returns back the depositors copy
(stamped)
UI of the system

Task analysis for literate user

Goal: Withdraw Rs. 500

User goes to ATM center

M/c asks to swipe card

User collects money & goes away

User swipes the card

M/C displays message to collect &
count the money

M/C asks for PIN

User interprets & waits for money

to come out

User enters the PIN

Is PIN
correct?

NO
Up to 3 tries only

For 4th try

M/C displays
Card Blocked

M/C displays waiting message &

plays the sound of money
counting

User disappointed

User confirms by pressing Enter

YES
M/C gives various banking options
User selects cash withdrawal

M/C asks for amount confirmation

M/C asks amount to be withdrawn

User enters the amount (500)

Task analysis for literate user

Goal: Check if subsidy has been deposited

User goes to ATM center

M/c asks to swipe card

User swipes the card

M/C asks for PIN

User collects the receipt & checks

if subsidy has been deposited

User enters the PIN

Is PIN
correct?

NO
Up to 3 tries only

For 4th try

M/C displays
Card Blocked

YES
M/C gives various banking options

User disappointed

M/C displays message to collect

the receipt
User interprets & waits for the
receipt to come out

User selects mini statement

M/C displays waiting message &

plays the sound of receipt printing

M/C asks for confirmation

User confirms by pressing Enter

Task analysis for illiterate user

Goal: Withdraw Rs. 850 from bank

User goes to bank

Asks receptionist for help

User locates the bank

Asks user to fill up withdrawal form

User fills up the form
User goes to withdrawal counter
User goes to withdrawal counter & gives the form

User counts money & collects the

receipt too

Cashier checks the details

Cashier asks for the token & in

return gives the money

Are
details
correct

User goes to the counter

NO

YES

Cashier gives a token to user & asks to wait for

the turn

Refill the form

M/C call out the users token number

User waits for the turn

Task analysis for illiterate user

Asks receptionist for help

Goal: Deposit a cheque in given a/c number

User goes to bank

User locates the bank

Asks user to fill up cheque deposit form

User fills up the form
User goes to deposit counter
User goes to deposit counter & gives the form
Cashier checks the details

Are
details
correct

NO

YES

Cashier stamps the form & gives the users

receipt & asks to drop the cheque in drop box

Task completed
User drops the cheque with the form
Refill the form

User goes to the drop box

User located the drop box

Task analysis while using Micro-ATM

User
BR Bank Representative

Verify
details

Enter A/C
details

E-verification

Request
to server

WITHDRAW

Biometric
verification

Withdraw/
Deposit

THUMB

User
collects cash

WITHDRAW

Send OTP to user

as well as BR

BR & user
enters OTP

NO
Are
details
correct

BR confirms
on device

YES
Bank
updates A/C

Authentication
mode

YES

CARD
(ATM or UID)

DEPOSIT

E-verification
Receipt
printed

NO

MOBILE
NUMBER

DEPOSIT

Amount
Entered

Machine

Enter
OTP

Swipe card & enter

PIN

Are
details
correct

BR enters
his login
details

Asks BR for
the operation

User goes to
Micro-ATM

Story board for user interaction with

micro - ATM

Case 1
Literate user:
ATM card
Withdrawal
Subsidy check

Story board for user interaction with

micro - ATM

Case 1
Illiterate user:
No ATM
Withdrawal
Cheque submission

Physical form description & explanation

PROBLEMS
User does not trust the bank representatives so they want to do perform most of the transactions on their own
& wants a record of their transactions.
One user have basic education so he can read and write but other cannot.
One user carry a ATM Card other does not have a ATM Card and require other medium (like biometric etc.) for
identity and authentication.
No or very limited power sources for operating/charging the device.
Bank Representatives need to carry separate calculators to do various calculations and summing up the days
activities.
Bank Representatives always have to hold to device in their hand. Or always keep it and take it out from their
bags.
Use of One time passwords (OTP) instead of Pin codes for the ATM withdrawals. This is of high significance in a
rural setting where the users might not be tech savvy to understand the importance of keeping a password
secure.

SOLUTIONS
Apart from the form & physical appearance, certain design incorporation is needed in management of information flow.
For e.g.
OTP should be sent for the next transaction only instead of for the current one, so that even if connectivity is a
problem for the user, it wont stop or delay user from using the micro ATM machine
For verification purposes, either the machine for different zones should be kept separately so that the data once fed does not
need an online system to verify the details, should be capable of verifying even offline
(Large storage & every m/c would have to be updated nearly every week)
Solar battery charger (like calculators use) should be incorporated in the machine as well as a small dynamo battery charge
should be provided which can be just rotated to charge the battery
Instead of static images for various options (banking) a motion picture (like on billboards & games like snakes) should be used in
order to explain the process & reach out to the illiterate user at the most basic level