Diebold has developed the first ATM that includes integration with mobile devices via the cloud. It also features a new user interface that enables touch gestures, such as flick and drag, commonly used with smartphones and tablet devices. The company is demonstrating the ATM at the 2013 International Consumer Electronics Show (CES), taking place this week in Las Vegas.

"Mobile devices are driving user experience expectations in all facets of commerce. It was only a matter of time before the familiar multi-touch interface style made its way to the ATM," says Frank A. Natoli Jr. , executive vice president and chief innovation officer, Diebold. "With the burgeoning buying power of the Millennial generation, we envision this technology will further influence user experiences at the ATM."

At CES, Diebold will conduct demonstrations of two transactions using the new ATM interface – a cardless withdrawal and a pre-staged, third-party money access. For both transactions, a user integrates his or her mobile device with the ATM by scanning a QR code on the ATM's screen. Doing so syncs the device via a cloud-based server and authenticates the user – without requiring an ATM card. To complete a cardless withdrawal, a preregistered bank customer scans the ATM's QR code using his smartphone. When the devices sync via the cloud, a transaction screen appears on the smartphone where the customer selects the withdrawal amount. The cloud server then sends a one-time code to the smartphone, which the customer enters on the ATM screen to authenticate the transaction and receive cash.

A second transaction demo presents an option for completing person-to-person payments. A customer can set up a pre-staged transaction that authorises access to cash to a third party. The customer inputs the payment amount and recipient's contact information, which can be selected directly from his or her contact list. The recipient then receives a one-time code he or she can use at an ATM or branch to receive money.

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