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Atm System:
The ATM System is the project which is used to access their bank
accounts in order to make cash withdrawals. Whenever the user need
to make cash withdraws, they can enter their PIN number (personal
identification number) and it will display the amount to be withdrawn
in the form of 100’s 500’s and 1000’s. Once their withdrawn was
successful, the amount will be debited in their account.
ATM stands for Automated Teller Machine. It’s a specialized
computer that makes it convenient to manage your money. For
example, almost all ATMs allow you to withdraw money, and many
allow you to make deposits. At some ATMs, you can print a
statement (a record of your account activity or transactions); check
your account balances (the amount of money in your accounts right
now); transfer money between your accounts; and even purchase
stamps. We can usually access the most services at an ATM that’s
operated by your own bank.

The ATM System is developed in VB.Net and back-end database as

Ms-Access. VB.Net is the one of the powerful version of Framework
and object oriented programming. Hence we use this software in our
project.

The ATM will service one customer at a time. A customer will be

required to enter ATM Card number, personal identification number
(PIN) – both of which will be sent to the database for validation as
part of each transaction. The customer will then be able to perform
one or more transactions. Also customer must be able to make a
balance inquiry of any account linked to the card.

The ATM will communicate each transaction to the database and obtain
verification that it was allowed by the database. In the case of a cash
withdrawal, a second message will be sent after the transaction has been
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physically completed (cash dispensed or envelope accepted).  If the database

determines that the customer’s PIN is invalid, the customer will be required to
re-enter the PIN before a transaction can proceed.

If a transaction fails for any reason other than an invalid PIN, the ATM will
display an explanation of the problem, and will then ask the customer whether
he/she wants to do another transaction.

The ATM will provide the customer with a printed receipt for each successful
transaction, showing the date, time, machine location, type of transaction,
account(s), amount, and ending and available balance(s) of the affected account
(“to” account for transfers).

ACKNOWLEDGEMENT :

It is a great pleasure for us to acknowledge all those who have contributed

towards t h e c o n c e p t i o n , o r i g i n a n d n ur t u r i n g of t h i s pr o j e c t t h a t
is on System analysis the “Atm System”.

First of all, I thank the almighty god who showered his

immense blessings on me, which helped me to complete this
project successfully.

The way can’t walk itself. We have to walk on it. For that we must have a
guide. Many guides have contributed to the successful completion of
the project. We would l i k e t o p l a c e o n r e c o r d m y g r a t ef u l t h a n k s
t o e a c h o n e of t h e m w h o h e l p u s i n t h i s  project.

Before we get into thick of the thing, we would like to add a few
heartfelt words for the people who gave us unending time support whichever
and whenever necessary. Our grateful thanks go to our Dept., which provides us
an opportunity as a project subject in Semester to develop a report work skill in
this System analyzing.

We would like to thank our parents & friends for giving us full
feedback whenw e ar e i n t r o u b l e . O u r s p e c i a l t h a n k s g o t o

Last but not the least; I heartily thank our Sir ,Md.Saidur Rahman Kohinoor.
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Introduction
1.1.Objective:
The aim of this project is to desktop ATM based software that can perfrom the
following objectives:

1.To make the bank transction in the most effcient manner.

2.To enable more pepole,have acess to Atm banking facality.

3.To enncourage the transition to cashless society.

4.People can save and withdraw the money at any time by themselves and
reduce staff work through ATM banking.

5.For reduce the risk of corona virus we can use this Atm banking system
which is more efficient than other money transaction system.

1.2.Introduction:
Automated Teller Machine enables the clients of a bank to have access to
their account without going to the bank.  This is achieved only by development
the application using online concepts.

An Automated Teller Machine

(ATM) allows customers to
perform banking transactions
anywhere and at anytime without
the need of human teller. By using
a debit or ATM card at an ATM,
individuals can withdraw cash from
checking or savings accounts,
make a deposit or transfer money
from one account to another or
perform other functions. You can
also get cash advances using a
credit card at an ATM. Individuals
should be aware that many banks
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charge transaction fees – generally ranging from Rs 50-150 per transaction - for
using another bank’s ATM.  

The ATM is online with the bank, that is, each transaction will be
authorised by the bank on-demand and directly debited from the account's
owner. The ATM works as follows. First, the client will insert his/her client
card in the ATM and then the ATM will ask for a Personal Identification
Number (PIN) , if the number is entered incorrectly several times in a row, most
ATMs will retain the card as a security precaution to prevent an unauthorised
user from working out the PIN by pure guesswork. Once the correct PIN is
given, the ATM will ask for the amount of money to be withdrawn. If the
amount is available and if the client has enough money on his credit then the
said amount of money will be paid. Whether the amount of money is payable or
not, i.e. the ATM has enough cash but could be the case the ATM has no
change for that amount, will be also checked. Once the money is offered to the
client a countdown is started, i.e. the client has a determined amount of time to
pick up the money. If this timeout is over, the money will be collected by the
ATM and the transaction will
be rolled back.

The class Card_input has

the methods for reading the
code of the client's card and
for ejecting the card from the
ATM. The class
Card_input will interact
through the Controller with
the class Terminal, where the
methods Req_PIN and Req_amount are defined, in order to get the PIN of the
user and to verify if the given PIN is correct or not. The class Card will have the
information of the cardholder, that is, the Card_number, PIN, and
Account_number. The Controller will interact with Bank using the information
of the cardholder in order to get the authorization to pay (or not) the requested
amount. The bank_interface will send the request to the Accounting class,
which belongs to the Bank package, in order to call the Debit method of the
accounting class3. The Accounting class has the methods Rollback,
Authorization and Debit which directly interact with the Accounts class.
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Rollback is for roll back a transaction (for the case anything is wrong) and
should leave the account and the teller machine in the original state;
Authorization will authorize or not an operation and Debit will extract the
requested amount of money from the account in the case the operation is
authorized.

ATMs are generally reliable, but if

they do go wrong customers will be left
without cash until the following morning or
whenever they can get to the bank during
opening hours. Of course not all errors are to
the detriment of customers; there have been
cases of machines giving out money without
debiting the account or giving out a higher
denomination of note by mistake.

There are also many "phantom

withdrawals" from ATMs, which banks often claim are the result of fraud by
customers. Phantom withdrawals are considered to be a problem generated by
dishonest insiders by most other observers.

HISTORY OF ATM
A History of ATM Innovation:
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This year, the automated teller machine turns 50. It’s come a long way since
1967, when the very first ATM was installed in London.

Today, the ATM is one of the most familiar features of the retail banking
landscape.  It allows customers to do much more than just withdraw cash. Let’s
take a look at some of the key developments that have made the ATM what it is
today.

The ATM arrives:

The ATM made its debut at Barclays’ Enfield Town branch in north London in
June 1967. Its invention is credited to British inventor John Shepherd-Barron.
The story goes that Mr Shepherd-Barron saw vending machines selling
chocolate bars and asked why a similar machine couldn’t be used to dispense
cash.

Bank tellers issued paper vouchers with unique codes that allowed customers to
take out a maximum of £10 at a time.
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The introduction of the PIN:

In 1970, just a few years after the introduction of the
ATM, the patent was granted for British engineer
James Goodfellow’s concept of a personal
identification number that could be stored on bank
cards. This was a landmark moment in the growth of
self-service banking, as it allowed machines to verify
the identity of a customer without human intervention.

The PIN system was licensed by future entrants into

the ATM market, such as NC

Rising deployment:
The country’s first machine was installed at the Chemical Bank branch in
Rockville Center, New York, in September 1969.

ATM popularity continued to grow in the early 1970s, with 1,000 ATMs
installed around the world by the end of 1971, as financial institutions looked to
offer self-service convenience to consumers.

It was in 1977 that NCR launched its first ATM, the NCR model 770.  An easy-
to-operate self-service terminal that allowed financial institutions to offer
services 24/7.  It was a self-contained unit including terminal, controller, cash
dispenser and depository, all within one safe.  By the early 1980s, NCR had
launched the 5070 ATM – an ATM developed in Dundee that achieved global
success through new standards of excellence based on reliability, flexibility and
customer requirements.  The 5070 was capable of handling 5,000 transactions
between replenishments.  It also featured modular components that could be
snapped in and out very quickly to minimize maintenance.  It was also based on
totally new software and an electronics platform enabling connections to
worldwide networks.

By 1984, there were 100,000 ATMs installed.  The growth since then has been
huge.  There are now more than three million ATMs operational around the
world. That figure is likely to pass four million by 2021, according to Retail
banking recarch.
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Improvements in usability:
 Once the ATM was an established and familiar part of the banking system, the
next frontier of innovation was usability. In the 1980s, NCR played a big part in
driving the channel forward with the introduction of color displays and FDK
buttons.  In 1989, the world’s first intelligent deposit ATM was installed. By
1992, functionality such as thermal receipt printers, audio input and signature
capture was becoming common.

Some more recent developments suggest that cardless and contactless

accessibility will be a significant trend for ATMs in the years to come. In 2012,
Royal Bank of Scotland launched its Get Cash service, allowing customers to
withdraw money from ATMs using a code sent to their mobile phone,
eliminating the need for debit cards. Just last year, Barclays introduced the
UK’s first contactless mobile cash facility.

 As far as security is concerned, biometric authentication is something we can

expect to see more of, along with improvements in software to combat evolving
cyber threats.

 The emergence and development of the ATM over the past five decades has
had a transformative effect on the banking industry. Now it’s time to look
forward to what the channel can achieve in
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W HY GO FOR ATM?
 An automatic teller machine increases existing business. The typical
ATM customer will spend 20-25% more than a non-ATM customer,
according to research conducted by AT&T Global Information Solutions.

 An automatic teller machine generates new business. Customers are more

likely to seek out a location with an automatic teller machine; in addition
to convenience, there are a number of safety benefits associated with an
in-store automatic teller machine, according to survey results published in
Petroleum Marketer magazine.

 An automatic teller machine provides additional revenue streams. Each

ATM withdrawal transaction generates surcharge ("convenience fee")
income for the owner of the automatic teller machine. Additionally, an
automatic teller machine can provide revenue from on-screen advertising,
couponing, and alternative media (e.g., prepaid phone-cards, postage
stamps) dispensing opportunities.

 An automatic teller machine reduces risk and lowers costs. Having an

automatic teller machine on the premises can reduce the number of bad
checks and cut credit card expenses because customers have the option of
withdrawing cash instead.

 An automatic teller machine pays for itself. With break-even points

below 100 transactions per month, even a low traffic location can more
than pay for an automatic teller machine from surcharge revenues alone.

 
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