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  • 7/29/2019 How Do ATMs Work

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    by Razieh Hafizi

    How Do ATMs Work?

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    Out line :

    - History

    - Software

    - Hardware- Financial Network and ATM

    - Security

    - How Do ATM Work?

    - New Technology

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    History A mechanical cash dispenser, arguably an ATM, was

    and installedLuther George Simjiandeveloped and built by, butCity Bank of New Yorkby theNew Yorkin1939

    removed after 6

    months due to the lack of customeracceptance.

    Thereafter, the history of ATMs paused for over 25 years,developed the first electronic ATM, whichDe La Rueuntil

    JuneonLondonin NorthEnfield Townwas installed first inisinvention. This instance of theBarclays Bankby1967,27

    , although Luther GeorgeBarron-John Shepherdcredited tos1930Simjian registe

    red patents in New York, USA in theDocuteland two other engineers fromDonald Wetzeland

    Barron was-. Shepherd1973,4Juneregistered a patent on New Year's Honours List2005in theOBEawarded an

    http://en.wikipedia.org/wiki/Luther_George_Simjianhttp://en.wikipedia.org/wiki/City_Bank_of_New_Yorkhttp://en.wikipedia.org/wiki/Luther_George_Simjianhttp://en.wikipedia.org/wiki/City_Bank_of_New_Yorkhttp://en.wikipedia.org/wiki/1939http://en.wikipedia.org/wiki/New_York_Cityhttp://en.wikipedia.org/wiki/City_Bank_of_New_Yorkhttp://en.wikipedia.org/wiki/New_York_Cityhttp://en.wikipedia.org/wiki/1939http://en.wikipedia.org/wiki/De_La_Ruehttp://en.wikipedia.org/wiki/Enfield_Townhttp://en.wikipedia.org/wiki/Londonhttp://en.wikipedia.org/wiki/June_27http://en.wikipedia.org/wiki/De_La_Ruehttp://en.wikipedia.org/wiki/Inventionhttp://en.wikipedia.org/wiki/June_27http://en.wikipedia.org/wiki/Inventionhttp://en.wikipedia.org/wiki/Londonhttp://en.wikipedia.org/wiki/Inventionhttp://en.wikipedia.org/wiki/Barclays_Bankhttp://en.wikipedia.org/wiki/Enfield_Townhttp://en.wikipedia.org/wiki/June_27http://en.wikipedia.org/wiki/1967http://en.wikipedia.org/wiki/Barclays_Bankhttp://en.wikipedia.org/wiki/Inventionhttp://en.wikipedia.org/wiki/John_Shepherd-Barronhttp://en.wikipedia.org/wiki/John_Shepherd-Barronhttp://en.wikipedia.org/wiki/John_Shepherd-Barronhttp://en.wikipedia.org/wiki/1967http://en.wikipedia.org/wiki/June_27http://en.wikipedia.org/wiki/1930shttp://en.wikipedia.org/wiki/John_Shepherd-Barronhttp://en.wikipedia.org/wiki/John_Shepherd-Barronhttp://en.wikipedia.org/wiki/John_Shepherd-Barronhttp://en.wikipedia.org/w/index.php?title=Docutel&action=edithttp://en.wikipedia.org/w/index.php?title=Docutel&action=edithttp://en.wikipedia.org/wiki/Donald_Wetzelhttp://en.wikipedia.org/wiki/Donald_Wetzelhttp://en.wikipedia.org/w/index.php?title=Docutel&action=edithttp://en.wikipedia.org/w/index.php?title=Docutel&action=edithttp://en.wikipedia.org/wiki/June_4http://en.wikipedia.org/wiki/1973http://en.wikipedia.org/wiki/Donald_Wetzelhttp://en.wikipedia.org/wiki/New_Year%27s_Honours_Listhttp://en.wikipedia.org/wiki/New_Year%27s_Honours_Listhttp://en.wikipedia.org/wiki/New_Year%27s_Honours_Listhttp://en.wikipedia.org/wiki/New_Year%27s_Honours_Listhttp://en.wikipedia.org/wiki/New_Year%27s_Honours_Listhttp://en.wikipedia.org/wiki/June_4http://en.wikipedia.org/wiki/June_4http://en.wikipedia.org/wiki/Order_of_the_British_Empirehttp://en.wikipedia.org/wiki/New_Year%27s_Honours_Listhttp://en.wikipedia.org/wiki/Order_of_the_British_Empirehttp://en.wikipedia.org/wiki/Order_of_the_British_Empirehttp://en.wikipedia.org/wiki/New_Year%27s_Honours_Listhttp://en.wikipedia.org/wiki/June_4http://en.wikipedia.org/wiki/June_4http://en.wikipedia.org/wiki/1973http://en.wikipedia.org/wiki/Donald_Wetzelhttp://en.wikipedia.org/w/index.php?title=Docutel&action=edithttp://en.wikipedia.org/wiki/1930shttp://en.wikipedia.org/wiki/1930shttp://en.wikipedia.org/wiki/John_Shepherd-Barronhttp://en.wikipedia.org/wiki/John_Shepherd-Barronhttp://en.wikipedia.org/wiki/John_Shepherd-Barronhttp://en.wikipedia.org/wiki/June_27http://en.wikipedia.org/wiki/1967http://en.wikipedia.org/wiki/Barclays_Bankhttp://en.wikipedia.org/wiki/Inventionhttp://en.wikipedia.org/wiki/Enfield_Townhttp://en.wikipedia.org/wiki/Londonhttp://en.wikipedia.org/wiki/June_27http://en.wikipedia.org/wiki/De_La_Ruehttp://en.wikipedia.org/wiki/1939http://en.wikipedia.org/wiki/New_York_Cityhttp://en.wikipedia.org/wiki/City_Bank_of_New_Yorkhttp://en.wikipedia.org/wiki/Luther_George_Simjian
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    SoftWare

    Typical platforms used in ATM developmentinclude :

    - RMX- OS/2

    - Microsoft operation system( such as Windows98,

    Windows XP, Windows XP Embedded)

    Sun Microsystems java is used for programming in

    these enviroments.

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    SoftWare cont.

    Common application layer transactionprotocols :

    - Deibold 911 or 912- IBM PBM

    - NCRNDC or NDC+

    - IFX

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    SoftWare cont.

    [ WOSA/CEN] / XFS and J/XFS :

    Provide a common API for accessing and manipulating the

    various device of an ATM.

    XFS middleware include Deibold Agilis, KAL Kalignite,

    NCR Corporation Aptra Edge, Phoenix InteractiveVISTAatm and Wincor Nixdorf Protopas

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    HardWare

    - CPU

    - Card Reader

    - Secure Cryptoprocessor- Cash Dispenser

    - Display Screen

    - Function Key Button or Touch Screen

    - Record Printer- Vault

    - Housing

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    HardWare cont.

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    Financial network and ATM

    - Logical connection : interbank networks

    ( PLUS, Cirrus, South Africas SASWITCH, Hong

    Kongs JETCO, Philippines Expressnt)- Physical connection :

    - dial-up modem over telephone line

    - leased line

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    Security

    - Physical

    - Transactional Secrecy and Integrity

    - Customer Identity Integrity

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    How ATMs Work?

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    How ATMs Work?cont.

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    Sending Bills

    - ATMs uses an electric

    eye for counting bills

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    Alternative Uses

    - Deposit currency recognition, acceptance, recycling

    - Updating passbooks

    - Loading monetary value into prepaid card

    - Ticket purchase

    - Purchasing postal stamps

    - Lottery ticket purchase

    - Advertising

    -

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    New Technologies

    - Biometrics

    - Cheque / cash acceptation

    - Barcode scanning- Ondemand printing of item value

    - Display additional media such as phone card

    - Coordination of ATMs with mobile phone

    - Customer specific advertising

    -

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    !!!

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    Questions

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    Thank you