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  Q1: How should I market my laptop ATMs? (1 pieces of advice)

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  by johnhenry106 

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  10.21.08 | 04:01 PM

  Atm laptops would definitely be considered a specific,convenient market item. The idea of running to the mall to buy something and being able to access your money anywhere would be a luxury.
  However, there could be a couple of problems with your idea. One, most of todays market is largely credit based, meaning many business transactions and sales take place by credit cards. Two, debt cards have been out for quite some time now making it easier to access your account from anywhere instantly. Third, if there is money being deposited into the laptop, some one most likely already had money in the first place. So why put into the laptop instead of a bank. Laptops can be stolen easily.
  My advise would be to heavily think about the ideas and motivations behind your product.
  

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  Q2: How can I obtain partnerships (banks, computers)? (2 pieces of advice)

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  by yankeenation08 

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  11.28.08 | 01:54 PM

  I don't think a bank is going to go for this. They will just tell you to take money out of your account and then put it into your device. They aren't going to let you have possession of your money and still count it in their bank. There is no benefit to them, they technically have it, but can't use it to make money because you are carrying it around.
  Also who would be responsible when someone steals your portable ATM.
  I don't care where you are, unless your are in the middle of a huge state park with no roads nearby, in which case you probably don't need cash, you can find an ATM within a 5 minute walk or drive of where you are.

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  by johnhenry106 

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  10.21.08 | 04:10 PM

  Obtaining partnerships with banks could be a challenge for this type of product. Banks may feel the product is too big of a security risk or danger to the consumer. Plus, Banks also make extra commissions off ATM use charges.
  
  Computer companies may also feel the same. The insurance it would cost to produce a product with a high level of security for holding bills would be astronomical. Not to mention the bulk/size of the product.
  
  However if you still think your idea could have some real market success I would start contacting the appropriate parties at both the banks and software companies.
  
  investment banks
  http://www.quazell.com/bank/bank_inv.html
  security software
  http://www.ezgoal.com/security/
  

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  Q3: How do you feel about the heavy account control options? (1 pieces of advice)

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  by johnhenry106 

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  10.21.08 | 04:16 PM

  I would highly recommend heavy accound control options. Many of today's biggest banks control and monitor user options and account activity very carefully. With account protection you can never be too careful.
  
  Many banks have adopted the use of limited sign-in option. This means when a user fails to enter the correct password or sign-in name, after say more than five try the system will actually lock the user out.
  
  Another aspect of technology you might want to focus around it user/identity theft technology build into the laptop. Having bills already internalized as well as sensitive credit information just a click away, it might not be such a bad idea to have that kind of technology on there.
  theft software
  http://www.fileheap.com/software/theft.html
  

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  Q4: How should I develop the actual laptop? (1 pieces of advice)

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  by johnhenry106 

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  10.21.08 | 04:22 PM

  I would advise, assuming that the appropriate software, banking, communication, and other crucial companies are all on board, something extremely safe. What I mean is heavy but functional.
  
  This laptop would have to possess the ability to hold money and keep information safe. I would also suggest the use of locking mechanisms located around all areas of the device for extra security.
  
  Anti-theft/ temperament if stolen would also be a concern. If the laptop was reported stolen would the bank insure your money? What if it could self destruct or implode on the criminal. That would be an added bonus.

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  What advice do you have to help me grow my idea?
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  by skater28 

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  10.22.08 | 08:34 PM

  I would first talk to friends, family, and other people in your area to see if people would use a product like this. I doubt very many people carry around laptops everywhere they go so getting people to see the benefit will be a challenge. How would this be any better than debit cards? I understand trying to get people off using credit but a debit card is just like taking cash out of an atm and fits easily in any wallet.

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  by ohideas 

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  10.21.08 | 03:25 PM

  You're joking about your idea right? If not, I suggest killing your idea immediately.
  
  Sorry, I'd love to be as positive as jase128 but I can't.
  
  There is no way on earth that you will ever be able to print money PERIOD. This is and always will be the govts job. While I agree we're heading to a checkless/cashless society, being able to carry around a laptop that either dispenses or worse prints money is I'm sorry... ****.
  
  First, it's a huge safety concern. Put your life in jeopardy for what a few hundred dollars of less a year in fees? If you're that bugged by fees, keep a stockpile of cash in the safety of your own home and grab some here and there. That doesn't work, ever heard of a debit card which obviously can be used as a credit card too accepted these days almost EVERYWHERE... and generally a purchase and a lot of debit transactions don't cost you.
  
  That doesn't work, try an E*Trade account. I can withdraw money using my ATM card from any ATM at no charge. If the ATM itself has a surcharge, E*Trade immediately reimburses me for that at…more the same time the transaction occurs... giving me a 0 fee transaction (even if it's $5). And god knows there are ATMs everywhere. Charles Schwab and other online banks offer similar accounts.
  
  Any lastly, no one is going to pay for what your idea amounts to, a clunky and expensive wallet.
  
  Come up with an idea on how someone could access cash where there's no ATM and merchants that only take cash, then we're talking.
  
  Just being honest!
  

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  by jase128 

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  10.21.08 | 01:22 PM

  Wow, an ATM everywhere you are, with no fees! This does sound pretty neat. But before you get too far ahead of yourself with the heavy account control options, I would suggest that you design this atm laptop.
  
  I would think think that instead of re-inventing the laptop or trying to convince big computer companies like Apple to incorporate your idea, I would figure out that this atm could be some sort of attachment to the laptop.
  
  It would fit securely on the entire surface area of the bottom of a macbook so that it would look like it was meant to be there. Sure it would add a little thickness, but macbooks are already pretty thin.
  
  Once it is attached, It would then be connected to the computer via USB/Firewire. This would power it as well as connect it to your computer. This way you wouldn't have to have a separate power supply for it, that is if you design it to run on the low amount of power that a USB or Firewire connection provides.
  
  Once it is connected you could have software on the computer that would act as an ATM interface th…moreat allows you to make transactions and as well as save.

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