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It is a computerized telecommunicationdevice that provides of a financial institutionwith access to financial transaction in a publicspace without the need for a cashier , human
clerk or bank teller.
On ATMs customer is identified by inserting aplastic ATM card with a magnetic strip that
contains a unique card number and identityinformation.
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It is a card issued by a bank , credit union orbuilding society that can be used at an ATMfor deposits , withdrawals , accountinformation or other kind of transactions ,
often through interbank networks.
It is also known as bank card , client card ,key card or cash card
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The idea of self-service in retail bankingleads to the development of an ATM machine
The simultaneous efforts in Japan , Sweden ,U.k.been credited in developing the first cashdispenser machine
The first ATM called Bankograph was installedin Barkleys bank in north London U.K.on 27th
june 1967
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ATMs are not only placed in
banks but also in the
airports , grocery shops petrol stations , restaurants
Or any place where large number of peoplegather
There are two types of locations for the ATMs
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1)ON PREMISIS->machines that accomplishesthe actual bank branch and are moreadvanced and multi functioning and having alarge capability of storing data and are very
costly
2)OFF PREMISIS->machines that aredeveloped by financial institutions wherethere is usually a straight need of cash andare cheaper and mono functioning
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CPU(to control the user interface and transaction devices)
Magnetic card reader(to identify the customer)
DISPLAY
(used by user for transactions) FUNCTION KEY OR TOUCH SCREEN(used to select various aspects of transaction)
RECORD PRINTER(to provide user the record of their transactions)
VAULT(to store the parts of machine requiring restrictedtransaction)
HOUSING(for aesthetics and to assign signage)
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1)No. Of attacks on atm resulted ,with thievesattempting to steal the whole atm
2)seal all the opening of atm with silicon
3)enter secret code for hacking
4)thieves harm a particular person when noone is around
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To verify card holdersidentities have beentested and deployed insome countries, such
as finger and palm veinpatterns , iris , andfacial recognitiontechnologies must beincluded for safety
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Today ATMs are been used globally The number of ATMs using currently are
about 1.8 million
Globally they are divided into seven regions
ATMS are fastly using in CANADA , USA ,EUROPE, JAPAN
But yet to reach high number in the near east
or africa
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1)U have access to the cashin your bank
account whenever u needed
2)For instance, u are in stores that doesnottake checks and credit cards but it has an atmyou can withdraw the money for yourpurpose.
3)You can travel anywhere without cash4)If you have ever faced a need of money,then
you can probaply access on atm machine
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Deposit currency recognition,acceptence,andrecycling
Paying routine bills,fees,and taxes
Loading monetary value into stored valuecards
Purchasing(postage stamps,lotterytickets,train tickets, movie tickets, shopping
mall gift certificates) Donating to charity
Adding prepaid cell phones credit
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