Diebold Deploys First ATM Without Card Reader Or Pin Pad

           Diebold Deploys First ATM Without Card Reader Or Pin Pad

Groundbreaking ATM relies solely on mobile authentication, integrates banking

PR Newswire

NORTH CANTON, Ohio, March 20, 2014

NORTH CANTON, Ohio, March 20, 2014 /PRNewswire/ --An automated teller machine
(ATM) with no card reader. Pre-staged withdrawals on smartphones. Cardless
transactions. And everything managed via the cloud. A new era of banking,
inspired by the Millennial generation, is dawning at Diebold Federal Credit
Union (DFCU), where an innovative ATM from Diebold, Incorporated (NYSE: DBD)
and a mobile wallet solution are allowing members to complete self-service
transactions and make retail purchases without using physical debit or credit

Diebold, Incorporated logo

DFCU is piloting the world's first ATM without a card reader or PIN pad that
relies solely on mobile authentication. When a consumer scans a unique QR code
at the ATM using a smartphone, the ATM authenticates the user via cloud-hosted
services to enable secure, cardless transactions. With no card or PIN
required, the solution eliminates the threats of card skimming and shoulder
surfing at the ATM. Diebold and white-label mobile wallet provider Paydiant
developed the cross-channel solutions and hold complementary patents on the

Additionally, the integration of the ATM with the Mobile Cash Access (MCA)
solution allows consumers to pre-stage cash withdrawals on their smartphones.
At the ATM, consumers authenticate themselves, and the ATM dispenses the
preselected amount of cash. The MCA offering also allows financial
institutions to provide a secure, institution-branded mobile wallet solution
without installing additional hardware on ATMs or point-of-sale (POS)

"Diebold's Millennial-inspired ATM offers a new way to meet the needs of our
members," said Dan Gann, president and CEO, DFCU. "They're readily downloading
the mobile wallet application and adopting the technology. In addition, by
offering a branded mobile wallet solution, we're reinforcing our connection to
members' retail purchases and reminding them that we're enabling this

Considering Millennials' familiarity with mobile devices, Diebold's ATM
interface features similar navigation and touch gestures, such as flick and
drag. The ATM is also paperless, delivering receipts via the mobile wallet

"To develop the Millennial-inspired ATM, we studied the digital and social
habits of today's younger generation," said Frank Natoli Jr., chief innovation
officer, Diebold. "The research led us to choose mobile devices for both the
user interface and the authentication vehicle to ensure seamless connectivity
between devices. Adding mobile wallet capabilities further capitalizes on the
mobile mentality of Millennials. Together, the technologies provide a glimpse
of the future of self-service banking for today's connected consumers."

Wintrust Financial Corporation and City National Bank are also piloting the
MCA solution in partnership with FIS, Paydiant and Diebold.

About Diebold Federal Credit Union
Founded in 1954, Diebold Federal Credit Union is a federally chartered,
federally insured credit union. Its mission is to help members realize their
financial goals by providing personalized and unparalleled service to exceed
member expectations. For more information, visit www.dieboldcu.com.

About Diebold
Diebold, Incorporated (NYSE: DBD) is a global leader in providing innovative
self-service technology, security systems and related services. Diebold has
approximately 16,000 employees worldwide and is headquartered near Canton,
Ohio, USA. Visit Diebold at www.diebold.comor on Twitter:

Logo - http://photos.prnewswire.com/prnh/20080725/DIEBOLDLOGO

SOURCE Diebold, Incorporated

Website: http://www.diebold.com
Contact: Media Relations: Kelly Piero, +1-330-490-3741,
kelly.piero@diebold.com, or Investor Relations: Jamie Finefrock,
+1-330-490-6319, jamie.finefrock@diebold.com
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