GUIDED BY :

Mr. KRANTHI KUMAR PRESENTED BY : KATHULA RAMESH REDDY

:

INTRODUCTION
An Automated Teller Machine is a self service banking machine attached to a host computer through a telephone network. Services available through an ATM include: Make deposits of cash and checks. Withdraw cash . Transfer money between accounts. Obtain account balance.

AN ATM COUNTER
ATMs are a quick and convenient way to access money in your account.

HISTORY
Don Wetzel, vice-president of product planning at Docutel (USA), was the chief conceptualist of ATM. He along with Tom Barnes and George Chastain began work in 1968. The working prototype came about in 1969. The first ATM was installed at the Rockville Centre(New York) based Chemical Bank.

PARTS OF AN ATM
Consists of embedded software and hardware. Two input devices: Card reader & Keypad Four output devices: Speaker Display screen Receipt printer Cash dispenser Electric eye Journal Sensor Reject bin

P A R T S O F A T M

CASH DISPENSER

INSIDE OF AN ATM

TYPICAL TRANSACTION SEQUENCE

ARCHITECTURE

WORKING OF ATM

TYPES OF ATM CONNECTIVITY

An ATM connects and communicates through a host processor .
Two types of connectivity Leased line Dial-up Line

 Leased Line:
ATM connects directly to the host through a 4 wire point-to-point dedicated phone line.

Dial-up Line:
ATM connects to the host through a normal phone line using a modem and atoll free number. or Through an ISP using a local access number.

DIFFERENCE BETWEEN LEASED AND DIAL-UP LINE

Leased line:
High throughput. Initial cost of setting up very high. Monthly operating costs very high.

Dial-up line:
Low throughput. Initial cost of setting less than half of leased line. Monthly operating costs fraction of that of leased line.

ATM NETWORK

BENEFITS OF ATM
FOR THE BANK:

Increases existing business. Generates new business. Provides additional revenue streams. ATM pays for itself.
FOR THE CUSTOMER:

Saves time and money. Can get cash whenever and wherever required.

SAFE USAGE

Dont scratch or bent your ATM card.

Dont write down your PIN anywhere.

Make your PIN a series of numbers or alphabets that you can easily remember. Cover the ATM keypad when you type your PIN so that other people cannot see it.

PIN should be a number that you could easily remember,but that would not be readily available to thieves.

It is important to use a well-lit,public ATM at night.

SECURITY FEATURES INSIDE AN ATM FACILITY

Surveillance camera.
Doors that automatically lock if there is an attempt to break open the machine.

Microprocessor based alarm system that connects to central monitoring point.

NEW INNOVATIONS
PC- based ATM. ATM with keypad having Braille letters and numbers. Wireless ATM Mobile ATM Floating ATM

ATM with Braille keypad

PC-Based ATM