An NCR Personas 75-Series interior, multi-function ATM in the USA

Smaller indoor ATMs dispense money inside convenience stores and other busy areas, such as this off-premise Wincor Nixdorf mono-function ATM in Sweden.

An automated teller machine (ATM) is a computerized telecommunications device that provides the customers of a financial institution with access to financial transactions in a public space without the need for a human clerk or bank teller. On most modern ATMs, the customer is identified by inserting a plastic ATM card with a magnetic stripe or a plastic smartcard with a chip, that contains a unique card number and some security information, such as an expiration date or CVC (CVV). Security is provided by the customer entering a personal identification number (PIN). Alternate cover Cover for the Cash Machine EP Cash Machine was the first single from Middlesex group Hard-Fi, taken from their debut album Stars of CCTV. The single was re-released on December 26, 2005 and went to #14 in the UK singles chart and #15 on the US... Download high resolution version (744x1298, 596 KB)Large image of an ATM File history Legend: (cur) = this is the current file, (del) = delete this old version, (rev) = revert to this old version. ... Download high resolution version (744x1298, 596 KB)Large image of an ATM File history Legend: (cur) = this is the current file, (del) = delete this old version, (rev) = revert to this old version. ... NCR Corporation (NYSE: NCR) is a technology company specializing in solutions for the retail and financial industries. ... Image File history File links Download high resolution version (1136x1600, 276 KB) File links The following pages on the English Wikipedia link to this file (pages on other projects are not listed): Automated teller machine ... Image File history File links Download high resolution version (1136x1600, 276 KB) File links The following pages on the English Wikipedia link to this file (pages on other projects are not listed): Automated teller machine ... This article does not cite any references or sources. ... Wincor Nixdorf (FWB:WIN) is a corporation that provides retail and retail banking hardware, software, and services. ... Customers are waiting in front of a famous fashion shop for its grand opening in Hong Kong. ... In financial economics, a financial institution acts as an agent that provides financial services for its clients. ... A financial transaction involves a change in the status of the finances of two or more businesses or individuals. ... For other uses, see Clerk (disambiguation). ... A bank teller is an employee of a bank who deals directly with most customers. ... An ATM card is an ISO 7810 card used to withdrawal money from an ATM machine from an account. ... Marcus Boltonas (Mark Boltan) Marcus Boltonas Brief history The magnetic stripe which is often reffered to as the Bolton is derived from the Marcus Boltonas from the Jurassic period. ... A smart card, or integrated circuit(s) card (ICC), is defined as any integrated circuitry embedded into a flat, plastic body. ... The Card Security Code is located on the back of MasterCard, Visa and Discover credit or debit cards and is typically a separate group of 3 digits to the right of the signature strip. ... For other uses, see Security (disambiguation). ... PINs are most often used for ATMs but are increasingly used at the Point of sale, especially for debit cards. ...

Using an ATM, customers can access their bank accounts in order to make cash withdrawals (or credit card cash advances) and check their account balances. ATMs are known by various casual terms including automated banking machine, money machine, bank machine, cash machine, hole-in-the-wall, cashpoint or Bancomat (in Europe and Russia). In accountancy, an account is a label used for recording and reporting a quantity of almost anything. ... For other uses, see Cash (disambiguation). ... This article is about the payment system. ...

History

An old Nixdorf ATM

British actor Reg Varney using the world's first ATM in 1967, located at a branch of Barclays Bank, Enfield. The system was developed by De La Rue

A mechanical cash dispenser was developed and built by Luther George Simjian and installed in 1939 in New York City by the City Bank of New York, but removed after 6 months due to the lack of customer acceptance.^[1] Image File history File links Download high resolution version (640x711, 71 KB) Old automatic teller machine photo taken by: de:User:Stahlkocher first upload: Oct 7, 2004 File links The following pages on the English Wikipedia link to this file (pages on other projects are not listed): Automated teller machine... Image File history File links Download high resolution version (640x711, 71 KB) Old automatic teller machine photo taken by: de:User:Stahlkocher first upload: Oct 7, 2004 File links The following pages on the English Wikipedia link to this file (pages on other projects are not listed): Automated teller machine... Nixdorf Computer AG was a computer company founded by Heinz Nixdorf in 1968. ... Image File history File links No higher resolution available. ... Image File history File links No higher resolution available. ... Actors in period costume sharing a joke whilst waiting between takes during location filming. ... Reginald Alfred Varney (born 11 July 1916, Canning Town, Essex, now Greater London) is an English TV and film actor who starred in On the Buses, a popular British 1970s sitcom. ... Barclays Bank headquarters One Churchill Place, Canary Wharf Barclays plc (LSE: BARC, NYSE: BCS, TYO: 8642 ) is the fourth largest bank in the United Kingdom. ... Enfield is the name of several places. ... Luther George Simjian (January 28, 1905 in Turkey - October 23, 1997 probably in Fort Lauderdale) was an inventor of numerous devices and owner of over 200 patents. ... New York, New York and NYC redirect here. ... The City Bank of New York is the ancestor company to Citibank and eventually Citigroup. ...

The ATM got smaller, faster and easier over the years. Thereafter, the history of ATMs paused for over 25 years, until De La Rue developed the first electronic ATM, which was installed first in Enfield Town in North London, United Kingdom^[2] on 27 June 1967 by Barclays Bank.^[3]. This instance of the invention is credited to John Shepherd-Barron, although various other engineers were awarded patents for related technologies at the time.^[4] Shepherd-Barron was awarded an OBE in the 2005 New Year's Honours List.^[5] The first person to use the machine was the British variety artist and actor Reg Varney.^[6] The first ATMs accepted only a single-use token or voucher, which was retained by the machine. These worked on various principles including radiation and low-coercivity magnetism that was wiped by the card reader to make fraud more difficult.^[4] The machine dispensed pre-packaged envelopes containing ten pounds sterling. The idea of a PIN stored on the card was developed by the British engineer James Goodfellow in 1965.^[4] De La Rue is a British commercial printer and paper maker headquartered in Basingstoke, Hampshire. ... Enfield Town is a town in the London Borough of Enfield. ... This article is about the capital of England and the United Kingdom. ... is the 178th day of the year (179th in leap years) in the Gregorian calendar. ... Year 1967 (MCMLXVII) was a common year starting on Sunday (link will display full calendar) of the 1967 Gregorian calendar. ... Barclays Bank headquarters One Churchill Place, Canary Wharf Barclays plc (LSE: BARC, NYSE: BCS, TYO: 8642 ) is the fourth largest bank in the United Kingdom. ... For the musical form, see Invention (music). ... John Shepherd-Barron (born 1925 Tain, Ross-shire, Scotland) is a Scottish inventor. ... The Most Excellent Order of the British Empire is a British order of chivalry established on 4 June 1917 by King George V. The Order includes five classes in civil and military divisions; in decreasing order of seniority, these are Knight Grand Cross or Dame Grand Cross (GBE) Knight Commander... The British honours system is a means of rewarding individuals personal bravery, achievement or service to the United Kingdom. ... Reginald Alfred Varney (born 11 July 1916, Canning Town, Essex, now Greater London) is an English TV and film actor who starred in On the Buses, a popular British 1970s sitcom. ... For other uses, see Radiation (disambiguation). ... For other senses of this word, see magnetism (disambiguation). ... For details of notes and coins, see British coinage and British banknotes. ... James Goodfellow (born 1937 in Paisley, Renfrewshire) is a Scottish inventor. ...

However, the modern, networked ATM was invented in Dallas, Texas, by Don Wetzel in 1968. Wetzel was a department head at an automated baggage-handling company called Docutel. In 1995 the Smithsonian's National Museum of American History recognized Docutel and Wetzel as the inventors of the ATM.^{[citation needed]} Dallas redirects here. ...

ATMs first came into wide UK use in 1973; the IBM 2984 was designed at the request of Lloyds Bank. The 2984 CIT (Cash Issuing Terminal) was the first true Cashpoint, similar in function to today's machines; Cashpoint is still a registered trademark of Lloyds TSB in the U.K. All were online and issued a variable amount which was immediately deducted from the account. A small number of 2984s were supplied to a USA bank. Notable historical models of ATMs include the IBM 3624 and 473x series, Diebold 10xx and TABS 9000 series, and NCR 5xxx series. Lloyds TSB Group plc is a group of financial services companies, based in the United Kingdom, with the registered office in Edinburgh, Scotland. ... The Bass Red Triangle, was the first trademark registered in Britain in 1876. ... IBM 3624 units were manufactured in Charlotte, NC until all ATM operations were sold to Diebold. ... The Diebold 10xx (or Modular Delivery System, MDS) series is a third and fourth generation family of Automated Teller Machines manufactured by Diebold. ... The subject of this article may not satisfy the notability guideline or one of the following guidelines for inclusion on Wikipedia: Biographies, Books, Companies, Fiction, Music, Neologisms, Numbers, Web content, or several proposals for new guidelines. ...

Location

An ATM Encrypting PIN Pad (EPP) with German markings

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. Off premise machines are deployed by financial institutions and also ISOs (or Independent Sales Organizations) where there is usually just a straight need for cash, so they typically are the cheaper mono-function devices. In Canada, when an ATM is not operated by a financial institution it is known as a "White Label ATM". Image File history File linksMetadata ATM_pinpad_in_german. ... Image File history File linksMetadata ATM_pinpad_in_german. ... White Label ATMs in Canada provides alternative source of cash depensing vis-à-vis traditional automatic teller machine (ATM) from banks. ...

In North America, banks often have drive-through lanes providing access to ATMs. A drive-thru window at a fast food restaurant. ...

Many ATMs have a sign above them indicating the name of the bank or organization owning the ATM, and possibly including the list of ATM networks to which that machine is connected. This type of sign is called a topper.

Financial networks

An ATM in the Netherlands. The logos of a number of interbank networks this ATM is connected to are shown.

Most ATMs are connected to interbank networks, enabling people to withdraw and deposit money from machines not belonging to the bank where they have their account or in the country where their accounts are held (enabling cash withdrawals in local currency). Some examples of interbank networks include PLUS, Cirrus, Interac and LINK. Image File history File linksMetadata Download high resolution version (1024x768, 166 KB) Summary Other versions [2] {{:nl:michiel1972/afbeeldinginfo|omschrijving=geldautomaat ABN AMRO}} Template:Eigenwerk Licensing File links The following pages on the English Wikipedia link to this file (pages on other projects are not listed): Automated teller machine Metadata... Image File history File linksMetadata Download high resolution version (1024x768, 166 KB) Summary Other versions [2] {{:nl:michiel1972/afbeeldinginfo|omschrijving=geldautomaat ABN AMRO}} Template:Eigenwerk Licensing File links The following pages on the English Wikipedia link to this file (pages on other projects are not listed): Automated teller machine Metadata... For other uses, see Logo (disambiguation). ... An interbank network, also known as an ATM consortium or ATM network, is a network that connects the ATMs of different banks and permits these ATMs to interact with the ATM cards of non-native banks. ... An interbank network, also known as an ATM consortium or ATM network, is a network that connects the ATMs of different banks and permits these ATMs to interact with the ATM cards of non-native banks. ... Addition is one of the basic operations of arithmetic. ... Cirrus is a worldwide interbank network. ... Interac Logo Interac Association is a Canadian organization linking enterprises that have proprietary networks so that they may communicate with each other for the purpose of exchanging electronic financial transactions. ... LINK is an interbank network operating in the United Kingdom. ...

ATMs rely on authorization of a financial transaction by the card issuer or other authorizing institution via the communications network. This is often performed through an ISO 8583 messaging system. In security engineering and computer security, authorization, is a part of the operating system that protects computer resources by only allowing those resources to be used by resource consumers that have been granted authority to use them. ... A financial transaction involves a change in the status of the finances of two or more businesses or individuals. ... ISO 8583 Standard for Financial Transaction Card Originated Messages - Interchange message specifications is the International Organization for Standardization standard for systems that exchange electronic transactions made by cardholders using payment cards. ...

Many banks charge ATM usage fees. In some cases, these fees are charged solely to users who are not customers of the bank where the ATM is installed; in other cases, they apply to all users. Many people oppose these fees because ATMs are actually less costly for banks than withdrawals from human tellers.^{[citation needed]} The examples and perspective in this article or section may not represent a worldwide view. ...

In order to allow a more diverse range of devices to attach to their networks, some interbank networks have passed rules expanding the definition of an ATM to be a terminal that either has the vault within its footprint or utilizes the vault or cash drawer within the merchant establishment, which allows for the use of a scrip cash dispenser. A scrip cash dispenser is an computerized telecommunications device that allows a financial institutions customers a secure method of receiving cash in a retail location with the assistance of a cashier. ...

A Diebold 1063ix with a dial-up modem visible at the base

ATMs typically connect directly to their ATM Transaction Processor via either a dial-up modem over a telephone line or directly via a leased line. Leased lines are preferable to POTS lines because they require less time to establish a connection. Leased lines may be comparatively expensive to operate versus a POTS line, meaning less-trafficked machines will usually rely on a dial-up modem. That dilemma may be solved as high-speed Internet VPN connections become more ubiquitous. Common lower-level layer communication protocols used by ATMs to communicate back to the Bank include SNA over SDLC, TC500 over Async, X.25, and TCP/IP over Ethernet. Image File history File linksMetadata Download high resolution version (1704x2272, 1182 KB) Summary Other versions [2] Keywords: ATM, mechanism, Automatic Teller Machine Licensing File links The following pages on the English Wikipedia link to this file (pages on other projects are not listed): Automated teller machine Metadata This file contains... Image File history File linksMetadata Download high resolution version (1704x2272, 1182 KB) Summary Other versions [2] Keywords: ATM, mechanism, Automatic Teller Machine Licensing File links The following pages on the English Wikipedia link to this file (pages on other projects are not listed): Automated teller machine Metadata This file contains... For other uses, see Modem (disambiguation). ... For other uses, see Telephone (disambiguation). ... Plain old telephone service, or POTS, are the services available from analogue telephones prior to the introduction of electronic telephone exchanges into the public switched telephone network. ... A Virtual Private Network, or VPN, is a private communications network usually used within a company, or by several different companies or organizations, communicating over a public network. ... Systems Network Architecture (SNA) is IBMs proprietary networking architecture created in 1974. ... Synchronous Data Link Control (SDLC) is a computer communications protocol. ... Asynchronous communication can be non-electronic or electronic. ... X.25 is an ITU-T standard protocol suite for wide area networks using leased lines, the phone or ISDN system as the networking hardware. ... The Internet protocol suite is the set of communications protocols that implement the protocol stack on which the Internet runs. ... Ethernet is a large, diverse family of frame-based computer networking technologies that operate at many speeds for local area networks (LANs). ...

In addition to methods employed for transaction security and secrecy, all communications traffic between the ATM and the Transaction Processor may also be encrypted via methods such as SSL.^[7] Secure Sockets Layer (SSL) and Transport Layer Security (TLS), its successor, are cryptographic protocols which provide secure communications on the Internet. ...

Global use

An ATM in the Tokyo subway

There are no hard international or government-compiled numbers totaling the complete number of ATMs in use worldwide. Estimates developed by ATMIA place the number of ATMs in use at over 1.5 million as of August 2006.^[8] Image File history File links Download high resolution version (2048x1536, 202 KB) ATM of Shin Ginko Tokyo at Nakai Station, Tokyo. ... Image File history File links Download high resolution version (2048x1536, 202 KB) ATM of Shin Ginko Tokyo at Nakai Station, Tokyo. ... For other uses, see Tokyo (disambiguation). ... This article or section does not cite its references or sources. ...

For the purpose of analyzing ATM usage around the world, financial institutions generally divide the world into seven regions, due to the penetration rates, usage statistics, and features deployed. Four regions (USA, Canada, Europe, and Japan) have high numbers of ATMs per million people^[9] and generally slowing growth rates.^[10] Despite the large number of ATMs,^[11] there is additional demand for machines in the Asia/Pacific area as well as in Latin America.^[12] ATMs have yet to reach high numbers in the Near East/Africa.^[13]

The world's most northerly installed ATM is located at Longyearbyen, Svalbard, Norway.^[14] This article or section needs additional references or sources. ... Longyearbyen Longyearbyen is the largest settlement on Svalbard, Norway and its capital. ...

The world's most southerly installed ATM is located at McMurdo Station, Antarctica.^[15] // City life Capital: Wellington, New Zealand, 41°17′S 174°47′E City: Ushuaia, Argentina, 54°48′S 068°18′W Hotel: Medieval stone castle: Great Zimbabwe, Zimbabwe, 20°16′S 30°54′E Million population city: Melbourne, Australia, 37°45′S 144°58′E Motorway: Post Office: Town: Puerto... McMurdo Station from Observation Hill. ...

While ATMs are ubiquitous on modern cruise ships, ATMs can also be found on some US Navy ships.^[16] Legend of the Seas moored at San Diego, California A cruise ship, or less commonly cruise liner, is a passenger ship used for pleasure voyages, where the voyage itself and the amenities of the ship are considered an essential part of the experience. ... The United States Navy (USN) is the branch of the United States armed forces responsible for naval operations. ...

In the United Kingdom, an ATM may be colloqually referred to as a "Cashpoint", named after the Lloyds Bank ATM brand, or hole-in-the-wall.^[17]

Hardware

A block diagram of an ATM.

An ATM is typically made up of the following devices: Image File history File links Download high resolution version (684x1064, 14 KB) Summary Licensing File links The following pages on the English Wikipedia link to this file (pages on other projects are not listed): Automated teller machine ... Image File history File links Download high resolution version (684x1064, 14 KB) Summary Licensing File links The following pages on the English Wikipedia link to this file (pages on other projects are not listed): Automated teller machine ...

• 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 Touchscreen (used to select the various aspects of the transaction)
• Record Printer (to provide the customer with a record of their transaction)
• Vault (to store the parts of the machinery requiring restricted access)
• Housing (for aesthetics and to attach signage to)

Recently, due to heavier computing demands and the falling price of computer-like architectures, ATMs have moved away from custom hardware architectures using microcontrollers and/or application-specific integrated circuits to adopting a hardware architecture that is very similar to a personal computer. Many ATMs are now able to use operating systems such as Microsoft Windows and Linux. Although it is undoubtedly cheaper to use commercial off-the-shelf hardware, it does make ATMs vulnerable to the same sort of problems exhibited by conventional computers. CPU can stand for: in computing: Central processing unit in journalism: Commonwealth Press Union in law enforcement: Crime prevention unit in software: Critical patch update, a type of software patch distributed by Oracle Corporation in Macleans College is often known as Ash Lim. ... A magnetic stripe card is a type of card capable of storing data by modifying the magnetism of tiny iron-based magnetic particles on a band of magnetic material on the card. ... A chip card is a debit or credit card offered to customers of some banks. ... PINs are most often used for ATMs but are increasingly used at the Point of sale, especially for debit cards. ... Dual-tone multi-frequency (DTMF), also known as Touch Tone is used for telephone signaling over the line in the voice frequency band to the call switching center. ... For other uses, see Calculator (disambiguation). ... A secure cryptoprocessor is a dedicated computer for carrying out cryptographic operations, embedded in a packaging with multiple physical security measures, which give it a degree of tamper resistance. ... A function key is a key on a computer or terminal keyboard which can be programmed so as to cause an operating system command interpreter or application program to perform certain actions. ... Touchscreens are display overlays which have the ability to display and receive information on the same screen. ... This article or section does not adequately cite its references or sources. ... It has been suggested that this article or section be merged with embedded microprocessor. ... This article does not cite any references or sources. ... This article is about operating systems that use the Linux kernel. ... Commercial off-the-shelf (COTS) is a term for software or hardware products that are ready-made and available for sale to the general public. ...

Vaults

Interior of an NCR Personas 70 freestanding ATM, during servicing

The vault of an ATM is within the footprint of the device itself and is where items of value are kept. Scrip cash dispensers do not incorporate a vault. Image File history File links Download high resolution version (892x1274, 221 KB) A free standing ATM machine, opened during maintainance and refilling by a security guard. ... Image File history File links Download high resolution version (892x1274, 221 KB) A free standing ATM machine, opened during maintainance and refilling by a security guard. ... A scrip cash dispenser is an computerized telecommunications device that allows a financial institutions customers a secure method of receiving cash in a retail location with the assistance of a cashier. ...

Mechanisms found inside the vault may include:

• Dispensing mechanism (to provide cash or other items of value)
• Deposit mechanism, including a Cheque Processing Module and Batch Note Acceptor (to allow the customer to make deposits)
• Security sensors (Magnetic, Thermal, Seismic)
• Locks: (to ensure controlled access to the contents of the vault)

ATM vaults are supplied by manufacturers in several grades. Factors influencing vault grade selection include cost, weight, regulatory requirements, ATM type, operator risk avoidance practices, and internal volume requirements.^[18] For other uses, see Cash (disambiguation). ...

Industry standard vault configurations include Underwriters Laboratories UL-291 "Business Hours" and Level 1 Safes,^[19] RAL TL-30 derivatives,^[20] and CEN EN 1143-1:2005 - CEN III/VdS and CEN IV/LGAI/VdS.^[21][22] The UL Mark Underwriters Laboratories Inc. ... CEN, the European Committee for Standardization, is a private non-profit organization whose mission is to foster the European economy in global trading, the welfare of European citizens and the environment by providing an efficient infrastructure to interested parties for the development, maintenance and distribution of coherent sets of standards...

ATM manufacturers recommend that vaults be attached to the floor to prevent theft.^[23]

Software

A Wincor Nixdorf ATM running Windows 2000

With the migration to commodity PC hardware, standard commercial "off-the-shelf" operating systems and programming environments can be used inside of ATMs. Typical platforms used in ATM development include RMX, OS/2, and Microsoft operating systems (such as MS-DOS, PC-DOS, Windows NT, Windows 2000, Windows XP Professional, or Windows XP Embedded). Java, Linux and Unix may also be used in these environments. Image File history File links Download high resolution version (2560x1920, 650 KB) Work by Rama File links The following pages link to this file: Automatic teller machine ... Image File history File links Download high resolution version (2560x1920, 650 KB) Work by Rama File links The following pages link to this file: Automatic teller machine ... Wincor Nixdorf (FWB:WIN) is a corporation that provides retail and retail banking hardware, software, and services. ... Windows 2000 (also referred to as Win2K) is a preemptive, interruptible, graphical and business-oriented operating system designed to work with either uniprocessor or symmetric multi-processor computers. ... RMX is a Real-time operating system for the Intel 8080 & 8086. ... To meet Wikipedias quality standards, this article or section may require cleanup. ... Microsoft Corporation, (NASDAQ: MSFT, HKSE: 4338) is a multinational computer technology corporation with global annual revenue of US$44. ... Microsofts disk operating system, MS-DOS, was Microsofts implementation of DOS, which was the first popular operating system for the IBM PC, and until recently, was widely used on the PC compatible platform. ... IBM PC-DOS was one of the three major operating systems that dominated the personal computer market from about 1985 to 1995. ... Windows NT (New Technology) is a family of operating systems produced by Microsoft, the first version of which was released in July 1993. ... Windows 2000 (also referred to as Win2K) is a preemptive, interruptible, graphical and business-oriented operating system designed to work with either uniprocessor or symmetric multi-processor computers. ... A typical Windows XP desktop. ... Windows XP Embedded, or XPe, is the componentized version of Microsoft Windows XP Professional and the successor to Windows NT 4. ... Java refers to a number of computer software products and specifications from Sun Microsystems that together provide a system for developing application software and deploying it in a cross-platform environment. ... This article is about operating systems that use the Linux kernel. ... Filiation of Unix and Unix-like systems Unix (officially trademarked as UNIX®, sometimes also written as or ® with small caps) is a computer operating system originally developed in 1969 by a group of AT&T employees at Bell Labs including Ken Thompson, Dennis Ritchie and Douglas McIlroy. ...

Linux is also finding some reception in the ATM marketplace. An example of this is Banrisul, the largest bank in the south of Brazil, which has replaced the MS-DOS operating systems in its ATMs with Linux. Banco do Brasil is also migrating ATMs to Linux. This article is about operating systems that use the Linux kernel. ... Banrisul is the largest bank in Southern Brazil and operates primarily in the state of Rio Grande do Sul (RS), over a network that serves 364 cities (73% of RS cities). ... Microsofts disk operating system, MS-DOS, was Microsofts implementation of DOS, which was the first popular operating system for the IBM PC, and until recently, was widely used on the PC compatible platform. ... Banco do Brasil branch. ...

Common application layer transaction protocols, such as Diebold 911 or 912, IBM PBM, and NCR NDC or NDC+ provide emulation of older generations of hardware on newer platforms with incremental extensions made over time to address new capabilities. Most major ATM manufacturers provide software packages that implement these protocols. Newer protocols such as IFX have yet to find wide acceptance by transaction processors.^[24] For the electronic voting machines, see Premier Election Solutions. ... For other uses, see IBM (disambiguation) and Big Blue. ... NCR can refer to several topics: National Capital Region, the conurbations that surround the national capitals of several countries. ... Each medication listed under Section 510 of the U.S. Federal Food, Drug, and Cosmetic Act is assigned a unique 10-digit, 3-segment number. ... This article is about emulation in computer science. ... What is IFX? The Interactive Financial eXchange (IFX) is a mature, well-designed XML-based, financial messaging protocol, built by financial industry and technology leaders incorporating decades of combined experience and best of breed design principles. ...

With the move to a more standardized software base, financial institutions have been increasingly interested in the ability to pick and choose the application programs that drive their equipment. WOSA/XFS, now known as CEN XFS (or simply XFS), provides a common API for accessing and manipulating the various devices of an ATM. WOSA Extensions for Financial Services (XFS) provides a client-server architecture for financial applications on the Microsoft Windows platform, especially peripheral devices such as EFTPOS terminals and ATMs which are unique to the financial industry. ... CEN/XFS or XFS provides a client-server architecture for financial applications on the Microsoft Windows platform, especially peripheral devices such as EFTPOS terminals and ATMs which are unique to the financial industry. ... API may refer to: In computing, application programming interface In petroleum industry, American Petroleum Institute In education, Academic Performance Index This page concerning a three-letter acronym or abbreviation is a disambiguation page — a navigational aid which lists other pages that might otherwise share the same title. ...

J/XFS is a Java implementation of the CEN XFS API.^[25]

While the perceived benefit of XFS is similar to the Java's "Write once, run anywhere" mantra, often different ATM hardware vendors have different interpretations of the XFS standard. The result of these differences in interpretation means that ATM applications typically use a middleware to even out the differences between various platforms. Write once, run anywhere (WORA) is a slogan created by Sun Microsystems to illustrate the cross-platform benefits of the Java language. ... This article is about integration software. ...

Notable XFS middleware platforms include Triton PRISM, Diebold Agilis, CR2 BankWorld, KAL Kalignite, NCR Corporation Aptra Edge, Phoenix Interactive VISTAatm, and Wincor Nixdorf Protopas. For the electronic voting machines, see Premier Election Solutions. ... NCR Corporation (NYSE: NCR) is a technology company specializing in solutions for the retail and financial industries. ... Wincor Nixdorf (FWB:WIN) is a corporation that provides retail and retail banking hardware, software, and services. ...

With the move of ATMs to industry-standard computing environments, concern has risen about the integrity of the ATM's software stack.^[26]

Security

An ATM with card reader and PIN keypad.

Security, as it relates to ATMs, has several dimensions. ATMs also provide a practical demonstration of a number of security systems and concepts operating together and how various security concerns are dealt with. Image File history File linksMetadata Size of this preview: 800 × 600 pixel Image in higher resolution (2592 × 1944 pixel, file size: 523 KB, MIME type: image/jpeg) ATM at the secretary of state in Portage, MI I, the creator of this work, hereby grant the permission to copy, distribute and... Image File history File linksMetadata Size of this preview: 800 × 600 pixel Image in higher resolution (2592 × 1944 pixel, file size: 523 KB, MIME type: image/jpeg) ATM at the secretary of state in Portage, MI I, the creator of this work, hereby grant the permission to copy, distribute and... For other uses, see Security (disambiguation). ...

Physical

This is a Wincor Nixdorf Procash 2100xe Frontload that was opened with an angle grinder.

Early ATM security focused on making the ATMs invulnerable to physical attack; they were effectively safes with dispenser mechanisms. A number of attacks on ATMs resulted, with thieves attempting to steal entire ATMs by ram-raiding.^[27] Since late 1990s, criminal groups operating in Japan improved ram-raiding by stealing and using a truck loaded with a heavy construction machinery to effectively demolish or uproot an entire ATM and any housing to steal its cash.^[28] Image File history File linksMetadata Size of this preview: 480 × 600 pixel Image in higher resolution (1024 × 1280 pixel, file size: 242 KB, MIME type: image/jpeg) This is a Wincor Nixdorf Procash 2100xe Frontload that was open with an angle grinder Permission is granted to copy, distribute and/or... Image File history File linksMetadata Size of this preview: 480 × 600 pixel Image in higher resolution (1024 × 1280 pixel, file size: 242 KB, MIME type: image/jpeg) This is a Wincor Nixdorf Procash 2100xe Frontload that was open with an angle grinder Permission is granted to copy, distribute and/or... Wincor Nixdorf (FWB:WIN) is a corporation that provides retail and retail banking hardware, software, and services. ... An angle grinder is a handheld tool powered by an electric motor, petrol engine or compressed air. ... This article does not cite its references or sources. ...

Another attack method is to seal all openings of the ATM with silicone and fill the vault with a combustible gas or to place an explosive inside, attached, or near the ATM. This gas or explosive is ignited and the vault is opened or distorted by the force of the resulting explosion and the criminals can break in. Not to be confused with the element silicon. ...

Modern ATM physical security, per other modern money-handling security, concentrates on denying the use of the money inside the machine to a thief, by means of techniques such as dye markers and smoke canisters.^[29]

Transactional secrecy and integrity

The security of ATM transactions relies mostly on the integrity of the secure cryptoprocessor: the ATM often uses commodity components that are not considered to be "trusted systems". In security engineering, a trusted system is a system that you have no choice but to trust. ...

Encryption of personal information, required by law in many jurisdictions, is used to prevent fraud. Sensitive data in ATM transactions are usually encrypted with DES, but transaction processors now usually require the use of Triple DES.^[30] Remote Key Loading techniques may be used to ensure the secrecy of the initialization of the encryption keys in the ATM. Message Authentication Code (MAC) or Partial MAC may also be used to ensure messages have not been tampered with while in transit between the ATM and the financial network. Encrypt redirects here. ... The Data Encryption Standard (DES) is a cipher (a method for encrypting information) selected as an official Federal Information Processing Standard (FIPS) for the United States in 1976, and which has subsequently enjoyed widespread use internationally. ... In cryptography, Triple DES (also 3DES) is a block cipher formed from the Data Encryption Standard (DES) cipher. ... A cryptographic message authentication code (MAC) is a short piece of information used to authenticate a message. ... A cryptographic message authentication code (MAC) is a short piece of information used to authenticate a message. ...

Customer identity integrity

A BTMU ATM with a palm scanner (to the right of the screen)

There have also been a number of incidents of fraud where criminals have attached fake keypads or card readers to existing machines. These have then been used to record customers' PINs and bank card information in order to gain unauthorised access to their accounts. Various ATM manufacturers have put in place countermeasures to protect the equipment they manufacture from these threats.^[31][32] Image File history File links Download high resolution version (1600x1200, 348 KB) A ATM in Japan with a palm scanner as part of the identification system. ... Image File history File links Download high resolution version (1600x1200, 348 KB) A ATM in Japan with a palm scanner as part of the identification system. ... The Bank of Tokyo-Mitsubishi UFJ, Ltd. ...

Alternate methods to verify cardholder identities have been tested and deployed in some countries, such as finger and palm vein patterns,^[33] iris, and facial recognition technologies. Cost of integrating and implementing these technologies along with concerns about consumer acceptance have limited their deployment so far.^[34]

Device operation integrity

ATMs that are exposed to the outside must be vandal and weather resistant.

Openings on the customer-side of ATMs are often covered by mechanical shutters to prevent tampering with the mechanisms when they are not in use. Alarm sensors are placed inside the ATM and in ATM servicing areas to alert their operators when doors have been opened by unauthorized personnel. Image File history File linksMetadata Download high resolution version (960x1280, 143 KB) Summary Other versions [2] Keywords: ATM, mechanism, Automatic Teller Machine Licensing File links The following pages on the English Wikipedia link to this file (pages on other projects are not listed): Automated teller machine Metadata This file contains... Image File history File linksMetadata Download high resolution version (960x1280, 143 KB) Summary Other versions [2] Keywords: ATM, mechanism, Automatic Teller Machine Licensing File links The following pages on the English Wikipedia link to this file (pages on other projects are not listed): Automated teller machine Metadata This file contains... A shutter is a movable cover or screen that alternately prevents and permits the passage of some desirable (or undesirable) element: Window shutter, a door for covering a window. ...

Rules are usually set by the government or ATM operating body that dictate what happens when integrity systems fail. Depending on the jurisdiction, a bank may or may not be liable when an attempt is made to dispense a customer's money from an ATM and the money either gets outside of the ATM's vault, or was exposed in a non-secure fashion, or they are unable to determine the state of the money after a failed transaction.^[35] Bank customers often complain that banks have made it difficult to recover money lost in this way, but this is often complicated by the Bank's own internal policies regarding suspicious activities typical of the criminal element.^[36]

Customer security

Security guards watching over ATMs that have been installed in a van.

In some areas, multiple security cameras and security guards are a common feature.^[37] The NY State Comptroller's Office has criticized the NY State Department of Banking for not following through on safety inspections of ATMs in high crime areas. ^[38] Image File history File linksMetadata Download high resolution version (2592x1944, 3164 KB) Other versions [2] Keywords: ATM, mechanism, Automatic Teller Machine Licensing File links The following pages on the English Wikipedia link to this file (pages on other projects are not listed): Automated teller machine Metadata This file contains additional... Image File history File linksMetadata Download high resolution version (2592x1944, 3164 KB) Other versions [2] Keywords: ATM, mechanism, Automatic Teller Machine Licensing File links The following pages on the English Wikipedia link to this file (pages on other projects are not listed): Automated teller machine Metadata This file contains additional... This article is about the road vehicle. ... Closed-circuit cameras are often used to discourage crime Closed-circuit television (CCTV), as a collection surveillance cameras doing video surveillance, is the use of television cameras for surveillance. ... A security officer guards a construction site in the Peoples Republic of China. ...

Critics of ATM operators assert that the issue of customer security appears to have been abandoned by the banking industry;^[39] it has been suggested that efforts are now more concentrated on deterrent legislation than on solving the problem of forced withdrawals.^[40]

At least as far back as July 30, 1986, critics of the industry have called for the adoption of an emergency PIN system for ATMs, where the user is able to send a silent alarm in response to a threat.^[41] Legislative efforts to require an emergency PIN system have appeared in Illinois,^[42] Kansas^[43] and Georgia,^[44] but none have succeeded as of yet. is the 211th day of the year (212th in leap years) in the Gregorian calendar. ... Year 1986 (MCMLXXXVI) was a common year starting on Wednesday (link displays 1986 Gregorian calendar). ... Silent Alarm is the debut album by British rock band Bloc Party, first released on February 14 2005, and charted at #3 in the Official UK Charts. ... Official language(s) English[1] Capital Springfield Largest city Chicago Largest metro area Chicago Metropolitan Area Area  Ranked 25th  - Total 57,918 sq mi (140,998 km²)  - Width 210 miles (340 km)  - Length 390 miles (629 km)  - % water 4. ... This article is about the U.S. state. ...

Alternative uses

Two NCR Personas 84 ATMs at a bank in Jersey dispensing two types of pound sterling banknotes: Bank of England notes, and States of Jersey notes.

Although ATMs were originally developed as just cash dispensers, they have evolved to include many other bank-related functions. In some countries, especially those which benefit from a fully integrated cross-bank ATM network (e.g.: Multibanco in Portugal), ATMs include many functions which are not directly related to the management of one's own bank account, such as: Image File history File links Download high resolution version (1318x647, 452 KB) Please see the file description page for further information. ... Image File history File links Download high resolution version (1318x647, 452 KB) Please see the file description page for further information. ... For other uses, see Bank (disambiguation). ... GBP redirects here. ... It has been suggested that this article or section be merged into Banknotes of the pound sterling. ... ISO 4217 Code none User(s) Jersey Inflation 5. ... Multibanco is an interbank network in Portugal, linking the ATMs of 27 banks in Portugal, which total some 11,115 machines as of July 2006. ...

• Deposit currency recognition, acceptance, and recycling^[45][46]
• Paying routine bills, fees, and taxes (utilities, phone bills, social security, legal fees, taxes, etc.)
• Printing bank statements
• Updating passbooks
• Loading monetary value into stored value cards
• Purchasing
  • postage stamps.
  • lottery tickets
  • train tickets
  • concert tickets
  • shopping mall gift certificates.
• Games and promotional features^[47]
• Donating to charities^[48]
• Cheque Processing Module
• In Austria, Australia, Belgium, Brazil, Cook Islands, Croatia, Finland, Germany, Hungary, Ireland, India, Indonesia, Israel, Italy, Poland, Philippines, Mexico, New Zealand, Norway, Portugal, South Africa, Spain, Sweden, Turkey, Ukraine and the United Kingdom, pre-paid cell phones can be recharged through some ATMs.

Increasingly Banks are seeking to use the ATM as a sales device to deliver pre approved loans and targeted advertising using products such as ITM (the Intelligent Teller Machine) from CR2 or Aptra Relate from NCR. Example of a checking account statement for a fictional bank. ... A passbook, in finance, is a paper book used to record bank transactions on a savings account. ... A stored-value card represents money on deposit with the issuer, not unlike a debit card. ... A selection of Hong Kong postage stamps A postage stamp is evidence of pre-paying a fee for postal services. ... A lottery is a popular form of gambling which involves the drawing of lots for a prize. ... Mass transit redirects here. ... Scrip is any substitute for currency, which is not legal tender. ... Motorola T2288 mobile phone A mobile phone is a portable electronic device which behaves as a normal telephone whilst being able to move over a wide area (compare cordless phone which acts as a telephone only within a limited range). ...

In Canada, ATMs are called guichets automatiques in French and sometimes "Bank Machines" in English. The Interac shared cash network does not allow for the selling of goods from ATMs due to specific security requirements for PIN entry when buying goods.^[49] Interac Logo Interac Association is a Canadian organization linking enterprises that have proprietary networks so that they may communicate with each other for the purpose of exchanging electronic financial transactions. ...

ATMs can also act as an advertising channel for companies to advertise their own products or third-party products and services.^[50]

A South Korean ATM with mobile bank port and bar code reader.

Manufactures have demonstrated and have deployed several different technologies on ATMs that have not yet reached worldwide acceptance, such as: Image File history File linksMetadata Download high-resolution version (1200x1600, 154 KB)old Nautilus Hyousung ATM with mobile bank port (mid-left) and bar code reader(bottom-left). ... Image File history File linksMetadata Download high-resolution version (1200x1600, 154 KB)old Nautilus Hyousung ATM with mobile bank port (mid-left) and bar code reader(bottom-left). ...

• Biometrics, where authorization of transactions is based on the scanning of a customer's fingerprint, iris, face, etc. Biometrics on ATMs can be found in Asia.^[51][52][53]
• Cheque/Cash Acceptance, where the ATM accepts and recognise cheques and/or currency without using envelopes^[54] Expected to grow in importance in the US through Check 21 legislation.
• Bar code scanning^[55]
• On-demand printing of "items of value" (such as movie tickets, Travellers Cheques, etc.)
• Dispensing additional media (such as phone cards)
• Co-ordination of ATMs with mobile phones^[56]
• Customer-specific advertising^[57]
• Integration with non-banking equipment^[58][59]

The Check Clearing for the 21st Century Act (or Check 21 Act) is a United States federal law (public Law 108-100) enacted into law October 28, 2003 by the 108th Congress. ...

Reliability

An ATM running Microsoft Windows that has crashed.

Before an ATM is placed in a public place, it typically has undergone extensive testing with both test money and the backend computer systems that allow it to perform transactions. Banking customers also have come to expect high reliability in their ATMs,^[60] which provides incentives to ATM providers to minimize machine and network failures. Financial consequences of incorrect machine operation also provide high degrees of incentive to minimize malfunctions.^[61] Image File history File linksMetadata Download high resolution version (1024x768, 187 KB) Summary Other versions [2] Keywords: ATM, mechanism, Automatic Teller Machine Licensing File links The following pages on the English Wikipedia link to this file (pages on other projects are not listed): Automated teller machine Metadata This file contains... Image File history File linksMetadata Download high resolution version (1024x768, 187 KB) Summary Other versions [2] Keywords: ATM, mechanism, Automatic Teller Machine Licensing File links The following pages on the English Wikipedia link to this file (pages on other projects are not listed): Automated teller machine Metadata This file contains... Test Money (or Test Notes, Test Bills, Funny Money, Monopoly Money) are a part of the test apparatus that are often used with currency handling equipment, such as Automatic teller machines. ... In their most general meanings, the terms front end and back end refer to the initial and the end stages of a process flow. ...

ATMs and the supporting electronic financial networks are generally very reliable, with industry benchmarks typically producing 98.25% customer availability for ATMs^[62] and up to 99.999% availability for host systems. If ATMs do go out of service, customers could be left without the ability to make transactions until the beginning of their bank's next time of 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 higher value notes as a result of incorrect denomination of banknote being loaded in the money cassettes. Errors that can occur may be mechanical (such as card transport mechanisms; keypads; hard disk failures); software (such as operating system; device driver; application); communications; or purely down to operator error. A denomination is a unit of currency. ... A £20 Bank of England banknote. ... This article is about devices that perform tasks. ... Computer software (or simply software) refers to one or more computer programs and data held in the storage of a computer for some purpose. ... An operating system (OS) is a software that manages computer resources and provides programmers with an interface used to access those resources. ... A device driver, or software driver is a computer program allowing higher-level computer programs to interact with a computer hardware device. ... Application software is a subclass of computer software that employs the capabilities of a computer directly and thoroughly to a task that the user wishes to perform. ... In telecommunications, information transfer is the process of moving messages containing user information from a source to a sink. ...

An ATM running OS/2 that has crashed.

To aid in reliability, some ATMs print each transaction to a roll paper journal that is stored inside the ATM, which allows both the users of the ATMs and the related financial institutions to settle things based on the records in the journal in case there is a dispute. In some cases, transactions are posted to an electronic journal to remove the cost of supplying journal paper to the ATM and for more convenient searching of data. Image File history File linksMetadata ATM_OS2_Crash. ... Image File history File linksMetadata ATM_OS2_Crash. ...

Improper money checking can cause the possibility of a customer receiving counterfeit banknotes from an ATM. While Bank personnel are generally trained better at spotting and removing counterfeit cash,^[63][64] the resulting ATM money supplies used by banks provide no absolute guarantee for proper banknotes, as the Federal Criminal Police Office of Germany has confirmed that there are regularly incidents of false banknotes having been provided through bank ATMs.^[65] Some ATMs may be stocked and wholly owned by outside companies, which can further complicate this problem when it happens. Bill validation technology can be used by ATM providers to help ensure the authenticity of the cash before it is stocked in an ATM; ATMs that have cash recycling capabilities include this capability.^[66] For other uses, see Counterfeit (disambiguation). ... The Federal Criminal Police Office of Germany (in German: Bundeskriminalamt (BKA); other translations: Federal Criminal Police Bureau, Federal Criminal Office, Federal Criminal Bureau) is the federal police of Germany, comparable to the Federal Bureau of Investigation in the United States, French National Police in France, or the Australian Federal Police... The MEI bill validator. ...

Fraud

As with any device containing objects of value, ATMs and the systems they depend on to function are the targets of fraud. Fraud against ATMs and people's attempts to use them takes several forms.

The first known instance of a fake ATM was installed at a shopping mall in Manchester, Connecticut in 1993. By modifying the inner workings of a Fujitsu model 7020 ATM, a criminal gang known as The Bucklands Boys were able to steal information from cards inserted into the machine by customers.^[67] Nickname: Motto: City of Village Charm Location in Hartford County, Connecticut Coordinates: , NECTA Region Founded 1672 Incorporated 1823 Government  - Type Council-manager  - General Manager Scott Shanley  - Board of directors Josh Howroyd (D), Mayor Jason E. Doucette (D) Lisa Paggioli ONeill (D) Matt Peak (R) Cheri Ann Pelletier (R) David... For the district in Saga, Japan, see Fujitsu, Saga. ...

In some cases, bank fraud could occur at ATMs whereby the bank accidentally stocks the ATM with bills in the wrong denomination, therefore giving the customer more money than should be dispensed.^[68] The result of receiving too much money may be influenced on the Card Holder Agreement in place between the customer and the Bank.^[69][70]

In a variation of this, WAVY-TV reported an incident in Virginia Beach of September 2006 where a hacker who had probably obtained a factory-default admin password for a gas station's white label ATM caused the unit to assume it was loaded with $5 USD bills instead of $20s, enabling himself--and many subsequent customers--to walk away with four times the money they said they wanted to withdraw.^[71][72] WAVY-TV is the NBC affiliate serving the Norfolk-Portsmouth-Newport News, Virginia television market (DMA). ...

ATM behavior can change during what is called "stand-in" time, where the Bank's cash dispensing network is unable to access databases that contain account information (possibly for database maintenance). In order to give customers access to cash, customers may be allowed to withdraw cash up to a certain amount that may be less than their usual daily withdrawal limit, but may still exceed the amount of available money in their account, which could result in fraud.^[73]

Card fraud

In an attempt to prevent criminals from shoulder surfing the customer's PINs, some banks draw privacy areas on the floor. Image File history File linksMetadata Download high resolution version (1600x1200, 615 KB) Other versions [2] Keywords: ATM, mechanism, Automatic Teller Machine Licensing File links The following pages on the English Wikipedia link to this file (pages on other projects are not listed): Automated teller machine Metadata This file contains additional... Image File history File linksMetadata Download high resolution version (1600x1200, 615 KB) Other versions [2] Keywords: ATM, mechanism, Automatic Teller Machine Licensing File links The following pages on the English Wikipedia link to this file (pages on other projects are not listed): Automated teller machine Metadata This file contains additional... In computer security, shoulder surfing refers to using direct observation techniques, such as looking over someones shoulder, to get information. ...

For a low-tech form of fraud, the easiest is to simply steal a customer's card. A later variant of this approach is to trap the card inside of the ATM's card reader with a device often referred to as a Lebanese loop. When the customer gets frustrated by not getting the card back and walks away from the machine, the criminal is able to remove the card and withdraw cash from the customer's account. Known as the Lebanese Loop for its regular use amongst Lebanese financial crime perpetrators. ...

Another simple form of fraud involves attempting to get the customer's bank to issue a new card and stealing it from their mail.^[74]

Some ATMs may put up warning messages to customers to not use them when it detects possible tampering.

The concept and various methods of copying the contents of an ATM card's magnetic stripe on to a duplicate card to access other people's financial information was well known in the hacking communities by late 1990.^[75] Image File history File linksMetadata Download high resolution version (1536x2048, 572 KB) Summary Other versions [2] Keywords: ATM, mechanism, Automatic Teller Machine Licensing File links The following pages on the English Wikipedia link to this file (pages on other projects are not listed): Automated teller machine Metadata This file contains... Image File history File linksMetadata Download high resolution version (1536x2048, 572 KB) Summary Other versions [2] Keywords: ATM, mechanism, Automatic Teller Machine Licensing File links The following pages on the English Wikipedia link to this file (pages on other projects are not listed): Automated teller machine Metadata This file contains...

In 1996 Andrew Stone, a computer security consultant from Hampshire in the UK was convicted of stealing in excess of £1 million Sterling (at the time equivalent to US$1.6 million) by pointing high definition video cameras at ATMs from a considerable distance, and by recording the card numbers, expiry dates, etc. from the embossed detail on the ATM cards along with video footage of the PINs being entered. After getting all the information from the videotapes, he was able to produce clone cards which not only allowed him to withdraw the full daily limit for each account, but also allowed him to sidestep withdrawal limits by using multiple copied cards. In court, it was shown that he could withdraw as much as £10,000 per hour by using this method. Stone was sentenced to five years and six months in prison.^[76]

By contrast, a newer high-tech modus operandi involves the installation of a magnetic card reader over the real ATM's card slot and the use of a wireless surveillance camera or a modified digital camera to observe the user's PIN. Card data is then cloned onto a second card and the criminal attempts a standard cash withdrawal. The availability of low-cost commodity wireless cameras and card readers has made it a relatively simple form of fraud, with comparatively low risk to the fraudsters.^[77] Modus operandi (often used in the abbreviated form MO) is a Latin phrase, approximately translated as mode of operation. ...

In an attempt to stop these practices, countermeasures against card cloning have been developed by the banking industry, in particular by the use of smart cards which cannot easily be copied or spoofed by un-authenticated devices, and by attempting to make the outside of their ATMs tamper evident. Older chip-card security systems include the French Carte Bleue, Visa Cash, Mondex, Blue from American Express^[78] and EMV '96 or EMV 3.11. The most actively developed form of smart card security in the industry today is known as EMV 2000 or EMV 4.x. Smart card used for health insurance in France. ... Tamper-evident devices are ones designed to make it easy to see whether they have been altered. ... Carte Bleue Visa from Société Générale Carte Bleue (or Blue Card in English) is a major debit card payment scheme operating in France. ... Visa Cash is a smart card electronic cash system owned by VISA. Trialled in various locations Worldwide (including Leeds, UK in 1997), the system works via a chip embedded in a bank card, and looks similar to the so-called Chip and PIN cards issued in inter alia France and... Mondex is a smart card electronic cash system which was developed originally by National Westminster Bank and subsequently sold to MasterCard International. ... American Express (NYSE: AXP) is a diversified global financial services company, headquartered in New York City. ... It has been suggested that Chip and PIN be merged into this article or section. ... It has been suggested that Chip and PIN be merged into this article or section. ...

EMV is widely used in the UK (Chip and PIN) and parts of Europe, but when it is not available in a specific area, ATMs must fallback to using the easy to copy magnetic stripe to perform transactions. This fallback behaviour can be exploited.^[79] However the fallback option has been removed by several UK banks, meaning if the chip is not read, the transaction will be declined. ATM]]s, for authenticating credit and debit card payments. ... Chip and PIN is the name of a government-backed initiative in the United Kingdom to implement the EMV standard for secure payments. ...

Related devices

A Talking ATM is a type of ATM that provides audible instructions so that persons who cannot read an ATM screen can independently use the machine. All audible information is delivered privately through a standard headphone jack on the face of the machine. Alternatively, some banks such as the Nordea and Swedbank use a built-in external speaker which may be invoked by pressing the talk button on the keypad. Information is delivered to the customer either through pre-recorded sound files or via text-to-speech speech synthesis. The examples and perspective in this article or section may not represent a worldwide view. ... 2. ... Nordea is a financial services group operating in Northern Europe, based in Stockholm. ... The Swebank logo (1997-2006). ... This article is about audible acoustic waves. ... Speech synthesis is the artificial production of human speech. ...

A postal interactive kiosk may also share many of the same components as an ATM (including a vault), but only dispenses items relating to postage.^[80][81] Postal can refer to: the postal service the band The Postal Service the US slang phrase going postal, a form of mass murder or killing spree Postal, a series of controversial computer games (based on the previous expression) developed by Running With Scissors This is a disambiguation page — a navigational... An Internet kiosk with a touchscreen in Vienna, Austria in 2007 An Interactive kiosk is a computer terminal that provides information access via electronic methods. ...

A scrip cash dispenser may share many of the same components as an ATM, but lacks the ability to dispense physical cash and consequently requires no vault. Instead, the customer requests a withdrawal transaction from the machine, which prints a receipt. The customer then takes this receipt to a nearby sales clerk, who then exchanges it for cash from the till.^[82] A scrip cash dispenser is an computerized telecommunications device that allows a financial institutions customers a secure method of receiving cash in a retail location with the assistance of a cashier. ...

A Teller Assist Unit may also share many of the same components as an ATM (including a vault), but they are distinct in that they are designed to be operated solely by trained personnel and not the general public, they do not integrate directly into interbank networks, and are usually controlled by a computer that is not directly integrated into the overall construction of the unit. A Teller Assist Unit (TAU) is a device that is used in retail banking for the disbursement of money at a Bank teller wicket or a centralized area. ...

See also

Numismatics Portal

Information technology Portal

Business and Economics Portal

• EFTPOS
• Banknote counter
• Financial cryptography
• James Goodfellow
• List of companies involved with ATMs
• Payroll Card
• Electronic funds transfer
• Phantom withdrawal
• Plofkraak
• Automated Teller Machine Communication Security

Image File history File linksMetadata Download high resolution version (910x910, 596 KB)Media:Example. ... Image File history File links Portal. ... Image File history File links Portal. ... EFTPOS (Electronic Funds Transfer at Point of Sale) is a device by which sales transactions can be directly debited to the customers bank account at the point of sale, through the use of a debit card (sometimes the same card used with Automatic Teller Machines). ... An modern electronic note counter with counterfeit detection capabilities. ... Financial cryptography (FC) is the use of cryptography in applications with strong financial motivation. ... James Goodfellow (born 1937 in Paisley, Renfrewshire) is a Scottish inventor. ... This is a list of companies involved with ATMs (automated teller machines) as of August 2006. ... A payroll card is a card that allows an employee to access their paycheck by using a card that looks like a bank debit card. ... Electronic funds transfer or EFT refers to the computer-based systems used to perform financial transactions electronically. ... In short, a phantom withdrawal is a cash withdrawal from an ATM where money has been withdrawn, and neither the customer nor the bank admit liability. ... A technique used to rob bank machines. ...

References

Mapúa Institute of Technology (MIT, MapúaTech or simply Mapúa) is a private, non-sectarian, Filipino tertiary institute located in Intramuros, Manila. ... is the 178th day of the year (179th in leap years) in the Gregorian calendar. ... Year 2007 (MMVII) was a common year starting on Monday of the Gregorian calendar in the 21st century. ... is the 20th day of the year in the Gregorian calendar. ... Year 2005 (MMV) was a common year starting on Saturday (link displays full calendar) of the Gregorian calendar. ... Year 2007 (MMVII) was a common year starting on Monday of the Gregorian calendar in the 21st century. ... is the 102nd day of the year (103rd in leap years) in the Gregorian calendar. ... Interac Logo Interac Association is a Canadian organization linking enterprises that have proprietary networks so that they may communicate with each other for the purpose of exchanging electronic financial transactions. ... BIS Headquarters in Basel The Bank for International Settlements (or BIS) is an international organization of central banks which exists to foster cooperation among central banks and other agencies in pursuit of monetary and financial stability. It carries out its work through subcommittees, the secretariats it hosts, and through its... BIS Headquarters in Basel The Bank for International Settlements (or BIS) is an international organization of central banks which exists to foster cooperation among central banks and other agencies in pursuit of monetary and financial stability. It carries out its work through subcommittees, the secretariats it hosts, and through its... The Economist is an English-language weekly news and international affairs publication owned by The Economist Newspaper Ltd and edited in London. ... “PDF” redirects here. ... A kibibyte (a contraction of kilo binary byte) is a unit of information or computer storage, commonly abbreviated KiB (never kiB). 1 kibibyte = 210 bytes = 1,024 bytes The kibibyte is closely related to the kilobyte, which can be used either as a synonym for kibibyte or to refer to... BIS Headquarters in Basel The Bank for International Settlements (or BIS) is an international organization of central banks which exists to foster cooperation among central banks and other agencies in pursuit of monetary and financial stability. It carries out its work through subcommittees, the secretariats it hosts, and through its... Categories: Stub | United States | Antarctica ... The U.S. Treasury building today. ... The UL Mark Underwriters Laboratories Inc. ... NCR can refer to several topics: National Capital Region, the conurbations that surround the national capitals of several countries. ... CEN, the European Committee for Standardization, is a private non-profit organization whose mission is to foster the European economy in global trading, the welfare of European citizens and the environment by providing an efficient infrastructure to interested parties for the development, maintenance and distribution of coherent sets of standards... British Standards is the new name of the British Standards Institute and is part of BSI Group which also includes a testing organisation. ... “PDF” redirects here. ... The Economics and Statistics Administration (ESA) is an agency in the United States Department of Commerce that produces, analyzes and disseminates national economic and demographic data. ... Industry Canada is the department of the Government of Canada with responsibility for regional economic development, investment, and innovation/research and development. ... “PDF” redirects here. ... A kibibyte (a contraction of kilo binary byte) is a unit of information or computer storage, commonly abbreviated KiB (never kiB). 1 kibibyte = 210 bytes = 1,024 bytes The kibibyte is closely related to the kilobyte, which can be used either as a synonym for kibibyte or to refer to... For the electronic voting machines, see Premier Election Solutions. ... The Credit Union National Association (more popularly known as CUNA) is a trade association for credit unions in the United States. ... The Christian Science Monitor (CSM) is an international newspaper published daily, Monday through Friday. ... For other uses, see MSN (disambiguation). ... State nickname: Empire State Other U.S. States Capital Albany Largest city New York Governor George Pataki Official languages None Area 141,205 km² (27th)  - Land 122,409 km²  - Water 18,795 km² (13. ... September 7 is the 250th day of the year (251st in leap years). ... is the 211th day of the year (212th in leap years) in the Gregorian calendar. ... Year 1986 (MCMLXXXVI) was a common year starting on Wednesday (link displays 1986 Gregorian calendar). ... Official language(s) English[1] Capital Springfield Largest city Chicago Largest metro area Chicago Metropolitan Area Area  Ranked 25th  - Total 57,918 sq mi (140,998 km²)  - Width 210 miles (340 km)  - Length 390 miles (629 km)  - % water 4. ... The Credit Union National Association (more popularly known as CUNA) is a trade association for credit unions in the United States. ... For the district in Saga, Japan, see Fujitsu, Saga. ... For other uses, see BBC (disambiguation). ... For other uses, see BBC (disambiguation). ... Interac Logo Interac Association is a Canadian organization linking enterprises that have proprietary networks so that they may communicate with each other for the purpose of exchanging electronic financial transactions. ... The Japan Times is one of the few independent English language newspapers published in Japan: it mainly competes with English editions of the major dailies, such as the Daily Yomiuri and the International Herald Tribune/Asahi Shimbun. ... American City Business Journals is an American newspaper chain based in Charlotte, North Carolina. ... Engadget is a popular technology weblog and podcast (on hold as of 31/08/2007) about consumer electronics. ... Wincor Nixdorf (FWB:WIN) is a corporation that provides retail and retail banking hardware, software, and services. ... American corporation Freescale Semiconductor, Inc. ... Guardian Unlimited is a British website owned by the Guardian Media Group. ... “PDF” redirects here. ... The Ottawa Business Journal is a regional business publication serving Canadas National Capital Region. ... For the defunct commercial bank, see Bank of Canada (commercial). ... Stern (English Star) is a weekly news magazine published in Germany. ... Wincor Nixdorf (FWB:WIN) is a corporation that provides retail and retail banking hardware, software, and services. ... For other uses, see BBC (disambiguation). ... The Royal Bank of Canada (TSX: RY, NYSE: RY) is Canadas largest company. ... For other uses, see BBC (disambiguation). ... The Cable News Network, commonly known as CNN, is a major cable television network founded in 1980 by Ted Turner. ... ... // The Free Access to Law Movement is umbrella name for the collective of legal projects across several common law countries to provide free online access to legal information such as case law and legislation. ... Phrack is an underground ezine made by and for hackers that has been around since November 17, 1985. ... Phrack is an underground ezine made by and for hackers that has been around since November 17, 1985. ... Oxford University Press (OUP) is a highly-respected publishing house and a department of the University of Oxford in England. ... Snopes, also known as the Urban Legends Reference Pages, is a website dedicated to determining the truth about many urban legends, Internet rumors, email forwards, and other such stories of uncertain or questionable origin. ... Fast Company is a 1979 film by Canadian director David Cronenberg. ... For followers of Hinduism, see Hindu. ... USPS and Usps redirect here. ...

Books

Bruce Schneier Bruce Schneier (born January 15, 1963) is an American cryptographer, computer security specialist, and writer. ...

External links

Wikimedia Commons has media related to:

Automatic teller machines

• HowStuffWorks.com - Video: Inside an ATM
• The Money Machines – An account of U.S. ATM history; By Ellen Florian, Fortune.com
• Britain celebrates 40 years of the ATM
• gmanews.tv/video, Beware of ATM scam, police tell public - 01/23/2008 (in Filipino)