ATM an overview in powerpoint

7/30/2019 ATM an overview in powerpoint

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Presented by-

Pankaj Chakrabarty G10-36

Nitin Singh Tatrari G10-04

Parthajit Purkayastha G10-11

Juan Chowdhury G10-20Soumyajit Bhattacharjee G10-76

Dhruba Kishore Chutia G10-15

Mousam Baruah G10-07

Debajit Das G10-12

AUTOMATED

TELLER MACHINE


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WHAT IS AN ATM?

The Automated Teller

Machine is a computerised

telecommunications device

that provides a financial

institution with access to financialtransactions in public space without the

need of a cashier, human clerk or a bank

teller.


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DAWN OF THE AUTOMATED TELLER MACHINE

THE BEGINNING


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THE FIRST ATM

Invented By American inventor Luther

George Simjian in 1939.

City Bank of New York installs one of his ATMs for a sixmonth trial.

At the end of the six month trial the ATM was removedas the customers were hesitating to believe this newtechnology.


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1960 : ATM predecessorinstalled

1967: First cashdispenser installation

1968: Card eatingmachine

1969: First use of ATMmagstripe cards

1971 : First true bankatm

1974 : On-line ATMintroduced

TIMELINE


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HARDWAREANDCOMPONENTS


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PARTS OF ATM

DISPLAY

FUNCTION KEYS

PIN PAD

MAGNETIC OR CHIP

CARD READER

CASH DISPENSER

RECORD PRINTER


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CPU

MULTIPLE SERIAL BOARD

MODEM

SECURE

CRYPTOPROCESSOR

CASH CARTRIDGE

HOUSING

VAULT


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WHAT MECHANISMS VAULT PERFORMS ? Dispensing mechanism

Deposit mechanism

Security sensor

Locks

Journaling system


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THE SOFTWARE


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ATMs use Microsoft OS - Windows XP

Professional or Windows XP Embedded.

A Wincor Nixdorf ATM running

Windows 2000.

Windows Vista wasnt

that popular.

Linux OS is gaining

popularity.


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An ATM running Microsoft Windows

that has crashed

ATMs keep the PIN and other information safe by using

encryption software such as Triple DES (Data Encryption Standard).


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Sensing Bills Electric eye that counts each bill as it

exits the dispenser.

A journal that keeps all records.

A sensor that evaluates the thickness of each bill.


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ATM cards are typically about 86 54 mm

THE ATM CARD


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WHAT AN ATM CARD IS :

A card issued by bank or credit union that can be

used at an ATM.

A plastic card of dimensions 86 X 54 mm.


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Front View:-

1. ISSUEING BANKLOGO

2. EMV CHIPS

3. HOLOGRAM

4. CREDIT CARDNUMBER

5. CARD BRAND LOGO

6. EXPIRATION DATE

7. CARD HOLDER

NAME


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BACK VIEW :

1.MAGNETIC STRIP

2.SIGNATURE STRIP

3.CARD SECURITY CODE


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EMV CHIP : -

EMV stands forEUROPAY, MASTER

CARD and VISA .

Size: 3 x 5 mm


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MAGNETIC STRIP : -

Invented by IBM Stores all the CONFIDENTIAL DATAs


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The BACKBONE


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THE ATM CONSORTIUM

A computer network that

connects the ATMs of different

banks


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THREE LEVELS:

BANK COMPUTER HOST COMPUTER ATM

THE BASIC LAYOUT

AN ATM INTERFACE WITH USER AND BANK


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Activate

customers

records

Get valid

function

request

Handle

transactions

Validate

customer

Pull

customers

record

Get validcode

Get validcard

Handle

checking

transactions

Handle savings

transactions

Handle

exit

AN ATM INTERFACE WITH USER AND BANK


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Leased line:

for high speed services

Dial up modem:

most commonly used.

Joins up with the telephone line

TYPES OF COMMUNICATION MODES


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SECURITY


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Physical

Schedule of filling money is kept

secret ,varying and random!

.

Money kept in cassettes!


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Gas explosion prevention device

(gas suppresion system)


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Finger, palm vein patterns

and facial recognit ion

technologies to counter fake

keypadsand card readers

Customer identity integrity -


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Device operation integrity

1. Alarm sensors


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2.Mechanical shutters


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CUSTOMER SECURITY

Multiple security cameras

and security guards are acommon feature.

Secured doors with a wall-mounted scanner.


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PIN codes

Known only to the card holder, even if the card is lost, thePIN makes the account secure.


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UTILITIES AND ADVANTAGES


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Kiosks: A road side ATM

Making funds transfer

Cash or cheque deposit

Making payments

A Kiosk


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Sale of paper based products

Third party advertising

Recharge mobile via ATM


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Even though the ATM has been a boon to us , it does

have few disadvantages that include -


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If someone

forgets the pinnumber he orshe will not be

able to withdrawmoney from their

account.

There is a daily

cash withdrawallimit. Moreoversmall amount ofmoney cannotbe withdrawn.

Highly prone tocard forgery and

robbery.

Sometimes themoney receipt

after atransaction

shows incorrectbalance, leading

to confusion.


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To help guard against fraud, keep your ATMreceipts until you check them against your monthlystatement.

When selecting a PIN, avoid numbers and lettersthat relate to your personal information. Forexample, don't use your initials, birthday, telephoneor vehicle number etc..


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Keep your card in a safe place to avoid damage.

Memorize your Personal Identification Number

(PIN).

Immediately report a lost or stolen card to your

financial institution.

SAFETY TIPS FOR USE OF ATM CARD USEFUL TIPS:

Protect ing The Card:


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Observe surroundings before using an ATM. Avoid

using ATM with obstructed view

Take a friend with - especially at night.

Have the card out and ready to use.

SAFETY TIPS AT THE TIME OF WITHDRAWAL :

Shield the screen and keyboard so anyone waiting


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Shield the screen and keyboard so anyone waiting

to use the ATM cannot see the PIN or transaction

amount.

Put your cash, card and receipt away immediately.

Always keep your receipt.

When using an enclosed ATM that requires your

card to open the door, avoid letting strangers follow

you inside.

Use Your own Bank machine ,where ever possible .


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ATM an overview in powerpoint

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