An innovative system that allows automated teller machine deployers to cross-sell services through personalized, on-screen marketing messages on an ATM is being demonstrated by Diebold, Incorporated at the CeBIT world business fair in Hannover, Germany this week.
Diebold’s one-to-one ATM marketing capability will be on display in the Diebold Stand No. A07 in Hall 18, March 18-24. Show attendees are encouraged to register at the Diebold stand as a user of the system and conduct a hands- on demonstration of Diebold’s one-to-one ATM marketing features.
“We believe this system can help our customers leverage valuable consumer contact time into potential business opportunities,” said Thomas W. Swidarski, senior director, Worldwide Marketing for Diebold. “Our one-to-one marketing concept allows ATM deployers to use their existing customer database for information that can help them target a specific message to the consumer at the ATM.”
Diebold’s one-to-one ATM marketing concept uses the waiting time of a standard ATM authorization period to display interactive messages to consumers about products and services. Because it works in conjunction with an ATM deployer’s customer information database, the system allows institutions to custom-design the advertising messages depending upon demographics, existing account relationships or retail buying habits.
For example, a bank customer using an ATM during the holiday season might be shown a promotion for debt consolidation loans on one transaction, while the frequent ATM user next in line, who is not a bank customer, might read about a new checking account that waives ATM transaction fees.
In each case, the customer may be prompted to respond to on-screen questions — which might even ask for their phone number — and the answers are forwarded to marketing departments for proper follow-up.
Because it runs during the waiting phase of the ATM transaction, one-to- one marketing does not delay transaction times or create long waiting lines. Customers who want to turn down the service that is offered can do so by answering “no” to the on-screen prompts.
For ATM deployers, the system provides a tracking capability that allows them to monitor the success of the ATM marketing program. It can also be configured to dispense a coupon from the ATM receipt printer as a way to reinforce a message.
“While Diebold’s one-to-one marketing concept offers a glimpse into the future, we wanted to demonstrate that the technology exists today,” Swidarski said. “It not only helps ATM deployers build customer loyalty, but it provides them with a revenue generating advertising medium that could also be sold to local retailers.”
Diebold Demos Iris Recognition ATM
An automated teller machine that recognizes a customer’s identity by the iris of their eye — without the need of a card or personal identification number (PIN) — is being demonstrated by Diebold, Incorporated at the CeBIT world business fair in Hannover, Germany this week.
Diebold is displaying a unique “iris recognition” biometric system that uses a camera to read specific features of a customer’s iris (colored part of the eye) and compares it to a previously recorded image stored in a database. A match between the user’s “live” iris and a biometric iris template contained within a database initiates the ATM transaction.
The biometrics application featured on Diebold’s 1064ix ATM can also accept conventional card-based transactions. CeBIT visitors can sample the technology by recording their iris image at Diebold’s enrollment station, and then use the iris recognition technology to initiate an ATM transaction. The biometric ATM will be on display in the Diebold Stand No. A07 in Hall 18, March 18-24 at CeBIT.
“This ATM exemplifies Diebold’s technical capabilities,” said Alben W. Warf, senior vice president, development and manufacturing at Diebold. “Our biometric ATM lets consumers choose how they want to access their accounts — with leading-edge biometric technology or through standard card and PIN-based transaction systems.”
Biometrics is the use of distinct human biological features — such as fingerprints, voice patterns and eye characteristics — as identification methods in security systems. This futuristic technology, once limited to certain high-level security systems, is making its way into consumer applications such as ATMs.
Diebold’s research and development efforts in the area of biometrics have been ongoing for more than a decade. The company has tested many different biometric technologies including fingerprint verification, voice verification, hand geometry, and facial recognition. In 1996, Diebold introduced the world’s first live installation of biometrics on an ATM in South Africa utilizing fingerprint verification. In 1997, Diebold displayed the world’s first ATM featuring facial and voice recognition to identify customers.
Iris recognition is a popular biometric application because the iris is one of the body’s most unique physical structures. It has 266 measurable characteristics that do not change with age and it cannot be copied or replicated.
The biometric ATM combines proprietary Diebold software with iris imaging equipment from Sensar, Inc. to record a customer’s iris image and compare it to existing images stored in a database. The Diebold application compares and recognizes the “live” iris image with images stored in a centralized database.
“As the financial world transitions toward the widespread use of biometric security systems, our software will make it easier for customers to adapt by providing them with standard alternatives,” added Warf.
Sensar, Inc. was founded as the first commercial spin-off of the Sarnoff Corporation in Princeton, N.J., USA — an internationally acclaimed research and development facility. IriScan of Marlton, N.J. holds the exclusive worldwide patents on the iris recognition concept originated by Drs. Leonard Flom and Aran Safir and the software and process technology invented by Dr. John Daugman, Cambridge University, England. Sensar uses, under license, the iris recognition process developed and owned exclusively by IriScan. IRISCAN is a trademark of IriScan, Inc., of Marlton, N.J., and is used by Sensar, Inc. under license from IriScan, Inc. For more information, please visit [www.sensar.com].
Diebold, Incorporated is the global leader in providing integrated delivery systems and services. Founded in 1859, the company employs more than 6,000 associates in some 120 locations worldwide with headquarters in Canton, Ohio, USA. Diebold reported revenue of US$1.2 billion in 1998 and is publicly traded on the New York Stock Exchange under the symbol “DBD.” For more information, visit the company’s Web site at www.diebold.com.