Documente Academic
Documente Profesional
Documente Cultură
Introduction
A automated teller machine (ATM) or the automatic banking
A n o ld A T M
The idea of self-service in retail banking developed
through independent and simultaneous efforts in Japan, Sweden,
the United States and the United Kingdom.
In the USA Luther George Simjian was developed the
first cash dispenser machine in June -30 -1960 . The roll out of
this machine, called Bankograph, was delayed a couple of years.
An exprimental Bankograph was installed in New York
city in 1961
by the City Bank Of New York .
3.Airports
4.Grocery stores
6.Restaurants
•
Hardware
• An ATM is the typically made up of the following devices:
• CPU (to control the user interface and transaction devices)
• Magnetic and/or Chip card reader (to identify the customer)
• PIN Pad (similar in layout to a Touch tone or Calculator
keypad), often manufactured as part of a secure enclosure.
• Secure cryptoprocessor, generally within a secure enclosure.
• Display (used by the customer for performing the transaction)
• Function key buttons (usually close to the display) or a
Touchscreen (used to select the various aspects of the
transaction)
• Record Printer (to provide the customer with a record of their
transaction)
• Vault (to store the parts of the machinery requiring restricted
access)
• Housing (for aesthetics and to attach signage to)
Software
• With the hardware, standard commercial operating systems
and programming environments can be used inside of
ATMs.
• Typical platforms previously used in ATM development
include RMX or OS/2. Today the vast majority of ATMs
worldwide use a Microsoft OS, primarily Windows XP
Professional or Windows XP Embedded. A small number of
deployments may still be running older versions such as
Windows NT, Windows CE or Windows 2000. Notably,
Vista was not widely adopted in ATMs.
•
How ATM Machine Works
Process for withdraw cash
1.After the customer ATM card is approved the screen shows
list of operation.
2.After amount of withdraw is entered the ATM opens one of
bill.
4.The bills are placed on rollers and moved to holding area
the ATM machine .Drop that bill into reject box and repeat
the process.
6.The bills are dispensed.
Process for deposit of money
1.After the customer ATM card is approved the screen
shows list of operation.
2.Once a deposited envelope is filled out and inserted into a
deposit slot , it is pulled by rollers into a box.
3.Before it is dropped into bank the date , users bank account
transaction is recorded.
A Suncorp Metway ATM running OS/2
•
Customer identity integrity
To verify cardholder identities have been tested and deployed in some countries, such
as finger and palm vein patterns and facial recognition technologies. However, recently,
cheaper mass production equipment has been developed and being installed in
machines globally that detect the presence of foreign objects on the front of ATMs,
current tests have shown 99% detection success for all types of devices.
• ATMs are often covered by mechanical shutters to
prevent tampering with the machines when
they are not in use.
• Alarm sensors are placed inside the ATM and in
ATM servicing areas to alert their operators
when doors have been opened by unauthorized
personnel.
• Rules are usually set by the government or ATM
operating body that dictate what happens
when integrity systems fail.
•
•
Device operation integrity
Functions of ATM machine
• Deposit currency recognition, acceptance, and recycling
• Paying routine bills, fees, and taxes (utilities, phone bills, social security,
legal fees, taxes, etc.)
• Printing bank statements
• Updating passbooks
• Loading monetary value into stored value cards
• Purchasing
– Postage stamps
– Lottery tickets
– Train tickets
– Concert tickets
– Movie tickets
– Shopping mall gift certificates.
• Games and promotional features[
Thank You