WASHINGTON, Oct. 10, 2012 /PRNewswire/ -- Advancing its commitment to improving financial self-service operations, Diebold, Incorporated (NYSE: DBD) is demonstrating services that allow for seamless integration of the mobile and ATM access points at BAI Retail Delivery, Oct. 9-11, in Washington, D.C. (Logo: http://photos.prnewswire.com/prnh/20080725/DIEBOLDLOGO ) The demonstration showcases the ability to pre-stage and complete ATM transactions without the use of a card, integrating mobile and ATM functionality to expedite transactions. Pre-staged and cardless transactions are designed to improve convenience and security for ATM users by allowing consumers to initiate ATM transactions, such as cash withdrawals and deposits, via their smartphones. "As financial institutions reinvent themselves to retain and grow consumer relationships in a hyper-connected marketplace, integration of mobile and ATM access points is critical to providing the ultimate convenience that consumers desire," said Frank A. Natoli, Jr., executive vice president and chief innovation officer, Diebold. The BAI Retail Delivery demonstration shows how consumers can go cardless by scanning a quick response (QR) code on the ATM and entering an authentication code to initiate transactions, such as cash withdrawals and deposits. With smartphones used as authentication devices, cardless transactions reduce consumer security risks related to lost or stolen cards, as well as skimming. Pre-staged and cardless transactions are showcased on an ATM that uses the cloud for services integration and delivery, demonstrating streamlined and simplified management of software from various providers. Software and services delivery via the cloud provides enhanced efficiencies for financial institutions by enabling a software-as-a-service model. With this model, financial institutions would subscribe to cloud-based software, rather than purchasing, installing and maintaining it on each endpoint device or server. "Diebold recognizes the value of delivering services via the cloud and we are excited to be exploring such a model," said Natoli. "We are committed to enabling quicker service delivery to the ATM while providing real-time flexibility and better utilization of resources to our customers."