Transaction performance
A method and apparatus are disclosed for performing a transaction at a hand held device. The method comprises the steps of accessing a virtualized operating system and Automated Teller Machine (ATM) application at a hand held device and performing a customer transaction at the hand held device using the virtualized operating system and ATM application.
1. A method of performing a transaction at a hand held device,
comprising the steps of:
launching a hand held application on the hand held device;
creating and initiating, by a remote server, an instance of an Automated Teller Machine (ATM) application that executes on the server when the hand held application makes a connection to the remote server on the launching;
accessing a virtualized operating system and the instance of the ATM application at a hand held device;
accessing the virtual operating system and the instance of the ATM application at an ATM through network connections to the remote server;
remotely executing the virtualized operating system and the ATM application on the remote server;
accessing by both the ATM and the hand held device the instance of the ATM application executing on the remote server for processing transactions initiated on the ATM and the hand held device through the hand held application; and
performing a customer transaction at the hand held device using the virtualized operating system by forwarding user generated events produced from the user operating the hand held device and the instance of the ATM application from the remote server to the ATM acting as a thin client to a backend server that processes the customer transaction and routing information between the hand held device, the ATM, and the remote server based on device port assignments during the customer transaction, wherein performing further includes receiving, at the ATM during the customer transaction, at least some routing information provided from the instance of the ATM application executing on the remote server that provides a particular port assignment that the ATM processes for accessing a card reader and a cash dispenser during the customer transaction, and wherein the at least some routing information includes commands that only firmware of the card reader and cash dispenser understands how to process, wherein the thin client is unaware of a type of device that is attached to the particular port, and wherein the ATM processes a recovery program that causes the card reader to return a customer card inserted into the card reader of the ATM during the customer transaction when a communication failure is detected between the ATM and remote server.
2. The method as claimed in claim 1 , further comprising:
receiving user inputs from the customer at a User Interface (UI) of the hand held device;
via a wireless communication link, providing at least one of received user inputs or events from the hand held device to the remote server performing the operating system and instance of the ATM application; and
receiving at least display data at the hand held device from the remote server responsive to said inputs and events.
3. The method as claimed in claim 2 , further comprising:
receiving the display data and command data at the hand held device via a communication link display protocol.
4. The method as claimed in claim 1 , further comprising:
initiating a transaction at the hand held device by touching a touchscreen display of the User Interface (UI) of the hand held device.
5. The method as claimed in claim 1 , further comprising:
initiating a transaction at the hand held device by inputting a customer authentication input at a User Interface (UI) of the hand held device.
6. The method as claimed in claim 5 wherein inputting a customer authentication comprises entering a one-time PIN.
7. The method as claimed in claim 5 wherein the step of inputting a customer authentication comprises selecting a correct picture sequence.
8. The method as claimed in claim 1 whereby the step of performing a customer transaction comprises:
withdrawing funds from a bank account associated with a user of the hand held device; and
crediting corresponding funds into an electronic wallet on the hand held device.
9. The method as claimed in claim 1 whereby the step of performing a customer transaction comprises:
withdrawing funds from a bank account associated with a user of the hand held device; and
crediting corresponding funds into a social media account associated with a user of the hand held device.
10. The method as claimed in claim 1 wherein said step of performing a customer transaction comprises downloading a bank statement to the hand held device.
11. The method as claimed in claim 1 wherein the step of performing a customer transaction comprises making a balance inquiry or money transfer request or bill payment.
12. A server that provides a hand held device and an Automated Teller Machine (ATM) with access to a virtualized operating system and an instance of an ATM application processing within the virtualized operating system through the ATM acting as a thin client to the server, wherein the instance of the ATM is created and initiated on the server when a hand held application is initiated on the hand held device and the hand held device connects to the server, and the ATM includes a separate connection to the server, wherein the server includes the virtualized operating system remotely accessed by the hand held device through the hand held application, and wherein events generated by a user operating the hand held device are forwarded to the instance of the ATM application and on to the ATM for processing a transaction of the user at the ATM through the server by the virtualized operating system and the instance of the ATM application executes on the server and routes information between the hand held device, the ATM, and the server based on device port assignments during the transaction, and wherein at least some routing information provided from the instance of the ATM application on the remote server includes a particular port assignment that instructs the ATM to access a card reader and a cash dispenser during interaction with the hand held device and wherein the at least some routing information includes commands that only firmware of the card reader and cash dispenser understands how to process, and wherein the thin client is unaware of a type of device that is attached to the particular port, and a recovery program is provided to the ATM that activates during a communication failure between the ATM and the server and that causes the card reader to return a customer card that was inserted into the card reader of the ATM during the transaction.
13. The server as claimed in claim 12 , further comprising at least one software image of an operating system and the instance of the ATM application.
14. The server as claimed in claim 12 , further comprising:
a Server Hardware Platform (SHP);
a hypervisor running on the SHP; and
at least one ATM desktop operating system instance on the SHP.
15. A method of operating a hand held device to execute a transaction for a user of the hand held device, the method comprising the steps of:
launching a hand held application on the hand held device;
creating a connection by the hand held application to a remote server and causing by the connection the remote server to create an instance of an Automated Teller Machine (ATM) application and initiating the ATM application on the remote server for processing;
during a communication session associated with the connection to the remote server processing a virtualized operating system and the instance of the ATM application from the hand held application;
interacting by the to a hand held device with an ATM acting as a thin client, wherein the ATM also processes the virtualized operating system and the instance of the ATM application from the remote server;
receiving a transaction request from the hand held application;
providing the transaction request to the virtualized operating system and instance of the ATM application via the communication session as events produced by a user operating the hand held device and routing information between the hand held device, the ATM, and the remote server based on device port assignments during the transaction; and
receiving a response from the virtualized operating system and instance of the ATM application, said response including information to be presented by the hand held device to a user that the transaction has been performed at the ATM through a backend server in response to the events being supplied from the remote server to the ATM and from the ATM to the backend server, and wherein receiving further includes providing at least some events from the instance of the ATM application to the ATM instructing the ATM to access a card reader and a cash dispenser during the customer transaction and wherein the at least some events include commands that only firmware of the card reader and cash dispenser understands how to process, and wherein the thin client is unaware of a type of device that is attached to the particular port, wherein the ATM processes a recovery program when a communication failure occurs between the ATM and the remote server that causes the card reader to return a customer card inserted into the card reader during the transaction back to the user.