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• It is a self service banking machine attached to a host computer through a telephone network . • It is a computerized telecommunications device that provides the clients of a financial institution . bank machine. Cash Machine. Automated Transaction Machine. also known as automatic banking machine (ABM).INTRODUCTION • An automated teller machine (ATM). or Cash point.

customers can access their bank accounts in order to make cash withdrawals. that contains a unique card number and some security information • Using an ATM. . and check their account balances as well as purchase prepaid cell phone credit.Contd… • ATM card has a layout with a magnetic stripe or a plastic smart card with a chip. credit card cash advances.

• The Bankograph was an automated envelope deposit machine (accepting coins. HISTORY .• LUTHER GEORGE SIMJIAN has first invented ATM machine which was previously called as Bankograph. cash and cheques) and it did not have cash dispensing features. • A first cash dispensing device was used in Tokyo in 1966 . • It was installed in New York City in 1961 by the City Bank of New York.

New York • The first ATMs were designed to dispense a fixed amount of cash when a user inserted a specially coded card. by Donald Wetzel . • 1969.S... Texas. at its branch in Rockville Centre. • In 1968 the networked ATM was pioneered in Dallas. .Contd. Chemical Bank installed the first ATM in the U.

etc… Location • On and off premise.• ATMs are placed in locations such as shopping centers/malls. restaurants. petrol/gas stations. . grocery stores. airports.

ATM ARCHITECTURE  Virtual Paths and Virtual Channels • Transmission Path • Virtual Path • Virtual Channel • Switching Hierarchy • Switching at the Transmission Path Level • Switching at the Virtual Path & Virtual Channel Level .

Contd… • LAN Emulation .


ATM pays for itself. Provides additional revenue streams. Can get cash whenever and wherever required. Generates new business. • FOR THE CUSTOMER: Saves time and money.BENEFITS OF ATM • FOR THE BANK: Increases existing business. .

P A R T S O F A T M .

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

• Dial-up Line: ATM connects to the host through a normal phone line using a modem and atoll free number.Contd… • Leased Line: ATM connects directly to the host through a 4 wire point-to-point dedicated phone line. . or Through an ISP using a local access number.


Uses of ATM • Cash Withdrawal and Balance Enquiry • Cash /Cheque Deposit • Bill Payments • Sale of Paper Based Products • Third Party Advertising • Money Transfers • Recharge Mobiles via ATMs .

. house numbers or your phone number. If you must write it down.  Make your PIN a series of letters or numbers that you can easily remember.  Avoid using birth dates. initials. but that cannot easily be associated with you personally. do not store it in your wallet or purse.  Don't write down your PIN.ATM Security  ATMs keep your personal identification number (PIN) and other information safe by using encryption software such as Triple DES (Data Encryption Standard).

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

.CONCLUSION ATM is one of the gift from inventor to humanity .


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