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ƥ Banks use mainframe
computers to maintain
customer accounts.
ƥ They store a record of each
customerƞs withdrawals and
deposits.
ƥ Each bank mainframe is used
to operate a network of ATMs.
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Typically, an ATM can be used
for:
ƥ Withdraw Cash;
ƥ Check an account balance;
ƥ Order a statement or print a
Ɲmini statement;ƞ
ƥ Order a cheque bookƦ
 
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 #
Magnetic
Stripe
Reader
Screen
to
display
menu Printer
options

Keyboard There will also be a slot

somewhere on the
machine to dispense
the cash.
 
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ƥ Insert a debit or credit card into the magnetic stripe
reader.
ƥ It will read an account number from the stripe on the
back.
ƥ ATM will then ask customer to use their &'
(&
 
 '
) for security.
ƥ Customer asked to select an option from a menu on
the screen.
ƥ To withdraw cash, the customer selects the relevant
options and the request is sent to the bankƞs mainframe
where it is approved and updated.
 
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 %
ƥ Banks can keep their operating costs down as fewer
employees are needed to work at the branches.
ƥ Customers have 24 hour access to their accounts seven
days a week.
ƥ Thereƞs no need to carry large amounts of cash around
as the large number of ATMs means that it is readily
available.

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ƥ A Debit Card;
ƥ A Credit Card;
 
  
0
 
ƥ This card allows the user to transfer money
from their bank account to the vendorƞs bank
account.
ƥ The money for the purchase of the item is
taken from the customerƞs bank account after 1
or 2 days.
ƥ The customer MUST have money in the
account to cover the cost of the item.
 
  
 
 
ƥ This card allows the customer to purchase an item
even if they do not have enough funds in their
account.
ƥ The customer is then sent a bill each month
totalling the cost of the items bought in that period.
ƥ The bill will contain an amount added for
Ɲinterest.ƞ
ƥ The Ɲinterest rateƞ will be determined by the Credit
Card provider.
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"  &'#
ƥ Found on debit and credit cards.
ƥ Customer places chip into a card reader and is
asked to input their PIN (Personal Identity
Number).
ƥ The PIN is the same one that is used in the
ATM.
ƥ It is a security measure to stop people forging
signatures and using a card fraudulently.