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AUTOMATED TELLER
MACHINE
Presented By:-
NIRVESH KUMAR
B.Tech. (E.C.) Final Year
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Contents
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Introduction
An ATM (Automated Teller Machine) is a
computerized machine designed to dispense
cash to customers without need of human
interaction.
The ATM can also take deposits, transfer money
between bank accounts and provide other basic
financial services.
On most modern ATMs, the customer is
identified by inserting a plastic ATM card with a
magnetic stripe that contains a unique card
number and some security information.
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History It was first developed and built by Luther George and
installed in 1939 in New York but removed after 6months due to the lack of customer.
ATMs paused for over 25years.
After that De La Rue developed the first electronicATM, which was installed first in Enfield Town in
North London, on 27 June 1967by Barclays Bank.
The idea of a PIN stored on the card was developed bythe British engineerJames Goodfellow in 1965.
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Actual view of an ATM
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ATM Types
ATMs broadly fall into two categories:-
1. Fixed ATMs.
2. Mobile ATMs.
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Fixed ATMs
These are the ATMs that are installed in
wide range of locations spread over the
country.
They are located not only in bank branches
but also in shopping malls, in department
stores and supermarkets.
They are found in places at railway stations
to airports and even on board ship.
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Mobile ATMs These ATMs are
working on moving
vehicles and theymove around the city.
These ATMs stay forsometime at particular
time and place.
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Features
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Internal structure of an ATM
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Working of an ATM
ATM has a small display and a keyboard. Itruns a program that is usually written by thebank. The program follows a particularpattern.
Most bank start by asking for a language.
They then ask you to insert your card.
This card has a magnetic strip on the back,
it reads information about your account.After that pin number is entered and further
process is depends upon the programing.
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Advantages
Cash transactions and cheque deposits.
24 hours and 365 days facility.
Utility payment eg. Telephone bills, electricity bills
etc.
Balance enquiry.
Statement of account for limited period.
Top up recharge of cell phones.
Banks have started dispensing railway tickets,
Airway tickets, Movie tickets etc. through ATMs.
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FUTURE ENDEVOURS
Voice activated ATMs, ATMs with finger
print scanning technology etc. are on the
move.
If they become operative, they can save
the customers from carrying a card.
Illiterate persons can use bio-metric ATMs
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Reference
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THANK YOU
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QUESTIONNAIRE