Fleet Street Journal; by Warren A. Lyon. November 23rd, 2021. Faster, faster and more efficient: A new update to our Bank Machine proposal involves a cardless banking experience to begin the customer relationship. It will be an App with contactless functionality. You can use it at the bank machine also that will be redesigned for contactless functionality right away to make your deposit. This will save the world a ton of plastic every year. You begin by downloading your contactless card and an account number and card number will be generated. You will confirm name, address and telephone number in addition to email address. You will then attend the bank branch to scan your ID documents to confirm the account. The account opening document will he sent to you as normal by email. We need to design systems that defeat human racialism and human idiosyncrasies in the customer experience. The customer does not get his card on time because the lady says he did not wear a sweater. This is a waste of the bank's time. We believe our proposal is worth at least five years of a junior salary. This is what Warren A. Lyon requests. He is not just a recognised Law graduate and legal professional but he worked in banking for a number of years and would be happy just to answer switchboard calls, do mail room work and send system improvement proposals to the Bank Operations Manager and the customer Experience Improvement manager. He is not shy and looks good in a suit so he could help with puny, but necessary branch operations problems where Brown, red and white evil people frustrate the bank's business. However, an automation of the initial customer experience will help to improve business. ClIck here.

 Fleet Street Journal; by Warren A. Lyon.

November 23rd, 2021.  

Faster, faster  and more efficient:  A new update to our Bank Machine proposal involves a cardless banking experience to begin the customer relationship.  It will be an App with contactless functionality.  You can use it at the bank machine also that will be redesigned for contactless functionality right away to make your deposit.   This will save the world a ton of plastic every year.    

You begin by downloading your contactless card and an account number and card number will be generated.  You will confirm name, address and telephone number in addition to email address.  

You will then attend the bank branch to scan your ID documents to confirm the account.  The account opening  document will he sent to you  as normal by email. 

We need to design systems that defeat human racialism and human idiosyncrasies in the customer experience.  The customer does not get his card on time because the lady says he did not wear a sweater. This is a waste of the bank's time. We believe our proposal is worth at least five years of a junior salary.  This is what Warren  A. Lyon requests.  

He is not just a recognised Law graduate and legal professional but he worked in banking for a number of years and would be happy just to answer switchboard calls, do mail room work and send system improvement proposals to  the Bank Operations Manager and the customer Experience Improvement manager.  He is not shy and looks good in a suit so he could help with puny, but necessary branch operations problems where Brown, red and white evil people frustrate the bank's business.  However, an automation of the initial customer experience will help to improve business.   

There are store credit cards that you can buy off the counter or shelf and pay $100-$500.00 in to the card account;  as paid at the pharmacy or grocery store where you picked up the card and then you can use the card for all your shopping.  

 That is essentially an instant bank account with debit/credit card payment facilities.  

A bank account should be opened just as quickly. 

Londinium ™ and Warren A. Lyon as of November 3rd 2021 has proposed to a consortium of banks a new acknowledged account opening machine that will provide the customer a generic bank card and verify account opening documents. 

But, before we have a machine to open accounts and activate as well as dispense new account cards, or that we see the cards available on a sales rack in the bank, we have to see that a bank wastes money sending the cards in the post to the new client when he is standing in front of you for account opening.  Essentially, we have to change our  attitude towards account opening and card provision.     The account opening process should be instant. It should not frustrate the bank"s agenda to obtain new customers and deposits. One appointment and at least a deposit of €1.00 to €5.00 is what the bank seeks to achieve. This money is the client's money and is available to them whether the card has arrived in the post.  You have a contract whether or not the card is missing or stolen in the post and they can withdraw their cash at anytime. It costs 51 cents a day to maintain an account so we want people to get their cards at the branch and to be happy, depositing more money as soon as possible.  The bank loses money on racism that leads to the account experience being delayed and the card with held where some people think they will feel more white if they frustrate a customer who is a person of colour maybe from Samoa or Africa or Japan or Hawaii or the West Indies or Ireland or Scotland or ITALY.     

 Any discussion with address verification is not a concern at €1.00 so long as there is a verifiable address with some evidence; some evidence with proof of the tax residency such as the Social Insurance Card.    We just need one other verifiable association that could include a store card or mobile phone account or a letter from a college or university.   

They expect to open 500 accounts per day with the process started online or in the branch with a reference number generated. The machine will verify your documents and issue a generic bank card.  In fact, we could have a shelf full of generic  cards that will be activated by the machine at the time you make a deposit when opening the account.  Put the card in and make a deposit. 

A personalised card will be sent to the branch in working days to save money on postage.  After the machine verifies the documents, it will issue the card.  It can also accept a €5.00 deposit. 500 new accounts a day at $10.00 in new deposits is about $150,000.00 per month in Jew revenue.   It will also issue an account opening letter and a copy will be sent by email.   It will prompt you to make a deposit at the bank machine or the teller.  

You will retrieve your deposit confirmation. 

 This is not a Grocery Store card membership but a bank hoping to collect current account deposits and lend the aggregate on the money market for one or two day money market loans.  The Grocery Store or shop know how to get the card in people's hands and then earn more sales.  

In our final proposal update, Warren A. Lyon suggests that the card will be a generic card that is available in a hard card board envelope and the initial pin code will be inside.  The customer will approach the account opening machine, install the card and then confirm name, address and phone number as well as email address.  The customer will then confirm identity with the machine's scanner that is like the airport ticket machine that will scan the social insurance card and the passport although the passport is not mandatory.  You can use a Driver's licence or health card also.  The machine will print your account opening document and then also send an email confirmation.  It will debit your account by $2.00 as the account opening fee and you will then make a deposit at the regular bank machine that is probably at the front door of the branch or outside of the branches.  

Common Law Patent rights in this machine belong to Warren A. Lyon and Londinium ™ International.   He may send a proposal to NCR as they design and build bank machines.  He may  also send a proposal to Siemens Nixdorf.  

This proposal is worth about $400,000.00.

Intellectual property rights are protected under the EU, English Law(that includes Canada)  and under the UDHR.  

Written by Warren A. Lyon, Angel Ronan Lex Scripta ™ Consulting.