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University of Palestine Faculty of Business Administration Computer Business Application

University of Palestine Faculty of Business Administration Computer Business Application. Automated Teller Machine. Yosef Lubbad 120070470. Identification.

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University of Palestine Faculty of Business Administration Computer Business Application

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  1. University of PalestineFaculty of Business AdministrationComputer Business Application Automated Teller Machine Yosef Lubbad 120070470

  2. Identification • An automated teller machine (ATM), also known as Cash Machine, or Cash point, is a computerized telecommunications device that provides the clients of a financial institutionwithout the need for a cashier, human clerk • On most modern ATMs, the customer is identified by inserting a plastic ATM card with a magnetic stripe or a plastic smart card with a chip, that contains a unique card number and some security information such as an expiration date or CVVC (CVV). Authentication is provided by the customer entering a personal identification number (PIN).

  3. ServicesATM • Using an ATM, customers can access their bank accounts in order to make cash withdrawals, credit card cash advances, and check their account balances as well as purchase prepaid cell phone credit. If the currency being withdrawn from the ATM is different from that which the bank account is denominated

  4. History • The idea of self-service in retail banking developed through independent and simultaneous efforts in Japan, Sweden, the United States and the United Kingdom. In the USA, Luther George Simjian has been rightly credited with developing and building the first cash dispenser machine. There is strong evidence to suggest that Simjian worked in this device before 1959 while his 132nd patent was first filed on 30 June 1960 (and granted 26 February 1963). The rollout of this machine, called Bankograph, was delayed a couple of years. This was due in part to Simjian's Reflectone Electronics Inc.

  5. Benefits • ATMs are placed not only near or inside the premises of banks, but also in locations such as shopping centers/malls, airports, grocery stores, petrol/gas stations, restaurants, or any place large numbers of people may gather. These represent two types of ATM installations: on and off premise. On premise ATMs are typically more advanced, multi-function machines that complement an actual bank branch's capabilities and thus more expensive

  6. Hardware • An ATM is typically made up of the following devices: • CPU (to control the user interface and transaction devices) • Magnetic and/or Chip card reader (to identify the customer) • PIN Pad (similar in layout to a Touch tone or Calculator keypad), often manufactured as part of a secure enclosure. • Secure cryptoprocessor, generally within a secure enclosure. • Display (used by the customer for performing the transaction) • Function key buttons (usually close to the display) or a Touch screen(used to select the various aspects of the transaction)

  7. Thank You

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