Table of Contents

Chapter Chapter 1 1. INTRODUCTION OF ATM 1.1 Background 1.2 Introduction 1.3 History 1.3.1 History in Nepal 1.4 Types 1.5 Components of ATM 1.6 Working Mechanism of ATM 1.7 Transaction Mechanism in ATM 1.8 Access issues or Barriers 1.9 Advantage of Automated Teller Machine 1.9.1 Withdraw cash 1.9.2 View balances 1.9.3 Deposit Cash 1.10 Fraud 1 .10.1 Fake ATMs
1.10.2 Operational Fraud 1.10.3 ATM card fraud 1.10.3.1

Page Number

1 2 2 2 3 3 3-4 5 5 6 7 7 8 8 8 8 8 8 Theft 8 Cloning 8

1.10.3.2

1.10.3.2 Combating stolen cards and information 1.11 Securty 1.11.1 Physical 1.11.2 Transactional secrecy and customer identity integrity 1.11.3 Device operation Integrity 1.11.4 Customer security while using ATMs Chapter 2 2. FIELD VISIT AND INTRODUCTION OF ORGANIZATION 2.1 Field Selection 2.1.1 Field selection Criteria 2.1.2 List of Activities 2.2 Introduction of Organization 2.2.1. KIST Bank 2.2.2.1 Methodology of study 2.2.1.2 Introduction to Kist Bank: 2.2.1.3 Branches of Kist Bank 2.2.1.4 ATM Services provided by KIST Bank 2.2.1.5 Future Plan 2.2.2 Standard Chartered Bank Limited 2.2.2.1 Methodology of Study 2.2.2.2 Introduction of Standard chartered Bank Limited 2.2.2.3 Branches of Standard Chartered Bank Limited 2.2.2.4 ATM services Provided by Standard Chartered Bank Limited Chapter 3

9 9 9 9 10 10

11 12 12 12 12 12 12 12 13 13 14 14 14 14 16 17

3. TECHNICAL ASPECT AND WORKING ARCHITECTURE OF ATM 3.1 Architecture of ATM in KIST bank 3.2 Architecture of ATM in Standard Chartered Bank Limited 3.2.1 Steps followed to deposit the money through ATM

18 19 20 20

3.2.2 Architecture of ATM for deposit operation in standard chartered Bank Ltd. 20 Chapter 4 4. CONCLUSION, RECOMMENDATION AND ANALYSIS OF ATM 4.1 Conclusion and Recommendation of ATM services in KIST Bank 4.1.1 Conclusion 4.1.1.1 Drawbacks 4.1.2 Recommendation 22 23 23 23 23

4.2 Conclusion and Recommendation of ATM services in Standard Chartered Bank Limited 23 4.2.1 Conclusion 4.2.1.1 Limitation. 4.2.2 Recommendation 4.3Comparative analysis APPENDIX, REFERENCES, BIBLIOGRAPHY 23 24 24 25

Figures
Figure-1: Components of ATM Figure-2: Transaction Mechanism of ATM Figure-3: Architecture of ATM in KIST Bank Figure-4:Architecture of ATM for deposit operation in Standard chartered Bank 4 5 19 21

ABBREVIATION

NESB: Non English Speaking Background BIN: Bank Information Number CBCT: Customer Bank Communication Terminal CCID: Card Card Identification CRT: Cathode Ray Tube CVC: Card Verification Code CVV: Credit Verification DES: Data Encryption Standard EFT: Electronic Funds Transfer EMV: Europay MasterCard Visa MAC:Message Authentication Code PIN: Personal Identification Number RSU: Remote Service Unit SCT: Smart Choice Technologies SSB: Self Service Banking

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