Reading infoN off The ATM card’s
magnetic strip
Enter PIN and communication with
the Bank
PIN Authentication
Dispensing the cash
security & device’s
The ATM card has a magnetic
strip on its back
It’s made of a combination of
plastic and magnetic powder
The card when inserted into the
ATM machine is read with a
similar device that wrote it.
Once The card is inserted,
the asks for the PIN.
[Link] ATM machine
connects to the bank’s
computer network through the
internet.
Once the PIN is
authenticated,it asks for
the kind of Transcation
example. Balance inquiry or a
Transcation statement or cash
withdrawal.
Example of
WithDrawal
The Lower bottom
corner of the machine is
the cash dispensing
sections
It has .an Electric eye that
counts each bill as it exists the
dispenser mechanism.
Conti . . .
If the customer asks,he gets
the receipt of the
transaction.
The ATM screen reflects the
balance after the Transaction an
the card is returned to the user a
the End of the process.
ATM Device’s
An ATM is simply a data terminal
with two input and four output
devices.
communicate through, a host processor. The
host processor is analogous to an Internet
service provider (ISP) in that it is the gateway
through which all the various ATM networks
become available to the cardholder (the
person wanting the cash).
Card reader - The card reader captures the
account information stored on the magnetic
stripe on the back of an ATMcard.
Keypad - The keypad lets the cardholder tell
the bank what kind of transaction is required
(cash withdrawal, balance inquiry, etc.)
Speaker - The speaker provides the cardholder
with Auditory feedback when a key is pressed.
Display screen - The display screen Prompts the
cardholder through each Step of the transaction
process.
Receipt printer - The receipt printer provides the
Cardholder with a paper receipt of the transaction
Cash dispenser - The heart of an ATM is the safe and
cash-dispensing mechanism. The entire bottom portion
of most small ATMs is a safe that contains the cash
Most host processors can support either
leased-line or dial-up machines.
Leased-line machines connect directly to the
Host processor through a four-wire, point-to
- point, dedicated telephone line.
Dial-up ATMs connect to the host processor
through a normal phone line using a modem
and a toll-free number, or through an Internet
service provider using a local
ATM, Automated
Teller Machine
• Money moves
electronically from
user’s account to
host account to
merchant’s account.
• New innovations:
machines that
verbally prompt
How Do ATMs Work?
• Simple data terminal communicating
through a host processor
• Can be connected through:
– a dedicated telephone line
– dail-up modem
– Internet service provider
ATMS
Most people use ATMs to get cash.
Other popular uses for ATMS are to
check account balances of your
accounts and to transfer money
between savings and checking
accounts.
Remember to record all ATM
transactions and fees in your check
register to avoid overdrawing your
account.
ATM Machine
Not all ATM machines will look
exactly like this one. Banks provide
instructions on their ATM machines.
If you need help using the ATM at
your bank, ask for assistance when
you open the account.
The ATM machine screen will
prompt you to enter information to
make your transaction.
ATM Security
ATMs keep your personal
identification number (PIN) and
other information safe by using
encryption
Don't write down your PIN. If you must write it
down, do not store it in your wallet or purse.
Make your PIN a series of letters or numbers tha
you can easily remember, but that cannot easily
be associated with you personally.
Avoid using birth dates, initials, house numbers
or your phone number.
ATM Machine
If you make any mistakes when
entering the information prompted
by the ATM machine, you can
press ‘Cancel” and start over. If
there is any problem with the
machine, call your bank.
ATM Deposits
You can also deposit checks through your
bank’s ATM. Always get your receipt so
you have proof of the deposit made.
ATM machines have special envelopes to
make deposits. The envelopes are found
in a slot by the ATM machine.
Deposit slips are not always required
when making ATM deposits, but you need
to fill in the information listed on the