1. Done by
11MSE0251-B.Keerthana
11MSE0121-B.Gomathy
2. •An automated teller machine (ATM) is a
computerized telecommunications device
that provides the customers of a financial
institution / bank with access to financial
transactions in a public space without the
need for a humanATMs, or bank teller is
•On most modern clerk the customer round
the clock (24inserting a plastic ATM card with a
identified by hrs a day)
magnetic stripe or a plastic smartcard with a
chip, that contains a unique card number and
some security information.
•Security is provided by the customer entering
a personal identification number (PIN).
3. •The ATM will service one customer at a time. A
customer will be required to insert an ATM card
and enter a personal identification number (PIN) -
both of which will be sent to the bank for validation
as part of each transaction. The customer will then
be able to perform one or more transactions. The
card will be retained in the machine until the
customer indicates that he/she desires no further
transactions, at which point it will be returned -
except as noted below.
•The ATM must be able to provide the following
services to the customer:
4. •A customer must be able to make a cash withdrawal
from any suitable account linked to the card, in multiples
of RS.100. Approval must be obtained from the bank
before cash is dispensed.
•A customer must be able to make a deposit to any
account linked to the card, consisting of cash and/or
checks in an envelope. The customer will enter the
amount of the deposit into the ATM, subject to manual
verification when the envelope is removed from the
•A customer must be able to make a transfer of money
machine by an operator. Approval must be obtained from
between any two accounts linked to the card.
the bank before physically accepting the envelope.
•A customer must be able to make a balance inquiry of
any account linked to the card.
•A customer must be able to abort a transaction in
progress by pressing the Cancel key instead of
responding to a request from the machine.
5. Product Perspective
•An automated teller machine (ATM) is a computerized telec
ommunications device
that provide the customers of a financial institution with acc
ess to financial transactions in a public space without the ne
ed for a human clerk or bank teller. On most modern ATMs, t
he customer is identified by inserting a plastic ATM card with
a magnetic stripe or a plastic smartcard with a chip, that cont
ains a unique card number and some security information, s
uch as an expiration date or CVC (CVV). Security is provided
by the customer entering a personal identification number (P
IN).
6. Computerized machine that permits bank
customers to gain access to their accounts
with a magnetically encoded plastic card and a
code number. It enables the customers to
perform several banking operations without
the help of a teller, such as to withdraw
cash, make deposits, pay bills, obtain bank
statements, effect cash transfers. Also called
automated Banking machine, automatic till
machine, or remote service unit
7. Using an ATM, customers can access their
bank accounts in order to make cash with
drawals (or credit card cash advances) and
check their account balances.
The functions of the system are:
1. Login
2. Get Balance Information
3. Withdraw Cash
4. Generate receipt
8. There are several users of the ATM network
• Customer:
The customer interacts with the ATM
network via the ATM It must be very easy for
them to use the ATM . They should be
supported by the system in every possible
way
•Maintainer:
It should be easy to maintain the whole
system The maintainer should be the only
person that is allowed to connect a new ATM
to the network
9. •Some of the constraints that have to be
taken care of with respect to the software
development could be the platform where
the software is to be run should have an
access to MS-ACCESS . The end user
needs to have basic computer knowledge .
• The user may fail to exactly explain his
requirement however his requirements are
analyzed and understood by the developer
, as the software is a generic one.
10. •Some companies that manufacture ATMs are
MERCHANT BANKARD
NETWORK, HITACHI, AUSTRIAN BANKING
AOTOMATION SYSTEM INTEGRATOR.
•At the end of this report I conclude with the following
points:
- With the growing networks ATM might soon be
installed at many places.
- ATMs for the blind have also been designed & are
available in the Chinese market.
- ATMs that make available various types of
currencies are also available
11. •An ATM is simply a data terminal with two input and
four output devices. Like any other data terminal the
ATM has to connect to, and communicate through, a
host processor.
•The host processor is analogous to an Internet
Service Provider (ISP) in that it is the gateway
through which all the various ATM networks become
available to the cardholder .
Most host processors can support either leased-line
or dial-up machines.
•Leased-line machines connect directly to the host
processor through a four-wire, point-to-
point, dedicated telephone line.
•Dial-up ATMs connect to the host processor through
a normal phone line or through an Internet service
12. •Leased-line machines commonly use a monochrome
or color CRT (cathode ray tube) display.
•Dial-up machines commonly use a monochrome or
color LCD.
•The host processor may be owned by a bank or
financial institution, or it may be owned by an
independent service provider.
•Bank-owned processors normally support only bank-
owned machines, whereas the independent
processors support merchant-owned machines
13.
14. •24-hour access to cash
•View Account Balances & Mini-
statements
•Order a Cheque Book / Account
Statement
•Transfer Funds between accounts
•Refill your Prepaid card
•Pay your utility bills
•Deposit cash or cheques
•Change your PIN
•Learn about other products
15. •The ATM network has to provide hardware
interfaces to
# various printers
# various ATM machines
•There are several companies producing
the ATM machines several types of
networks The exact speciation of the
hardware interfaces is not part of this
document
16. Processor : Processorx86 Family 6 Model 15
Stepping 13 GenuineIntel~2394Mhz
RAM : 512 MB or more
Hard disk : 20 GB or more
Monitor : VGA/SVGA
Keyboard : 104 Keys
Mouse : 2 buttons/ 3 buttons
17. •The ATM network has to provide software
interfaces to the software used by different
banks different network software
•The exact detailed specification of the software
interfaces is not part of this document
18. Operating System :
Windows 2000/XP
Front end : Java
Applet
Database : Ms-
Access.
19. The functional requirements are organized in
two sections;
Requirements of the ATM and Requirements
of the bank computer
1…Requirements of an ATM:
•authorization process
•Transaction (WITHDRAWAL PROCESS)
2.Requirements of the bank computer
•Authorization process(bank code &
password)
•Transaction
20. •The non-functional requirement is bellowed.
•The ATM network has to be available 24 hours a
day.
•Each bank may be processing transactions from
several ATMs at the same time.
•The ATM must be able to use several data
formats according to the data formats that are
provided by the database of different banks
21. Various protocols are used for transferring
information over the network in the ATM. A few
of them are explained in brief:
1. TCP (Transmission control protocol):
- Connection oriented protocol.
- TCP is used to dynamically adapt to properties
of the internetwork & to be robust to face any
failures.
2. SMTP (Simple Mail Transfer Protocol):
- Simple ASCII protocol, Accepts incoming
messages & sends them to appropriate
locations.
22. •As most of the ATMs are open for 24 hrs & also
all of them are not guarded, it is important to
provide security to the machine. One of the
technologies is explained here.
•The Electronic Signature Lock (ESL) is a
patented technology that can be implemented in
hardware, firmware, or software and used to
protect digital resources, funds transfer, or
physical access. It can identify computer
terminal users locally or remotely without having
to modify or attach anything to the terminal. It is
completely transparent to the users and can be
23. Here are some security tips the card owner must
follow while using the ATM :
• Don't write down your PIN. If you must write it
down, do not store it in your wallet or purse.
• Make your PIN a series of letters or numbers that
you can easily remember, but that cannot easily be
associated with you personally.
• Avoid using birth dates, initials, house numbers or
your phone number.
• Store your ATM card in your purse or wallet, so that
24. •Modern ATM physical security concentrate on denying the
use of the machine inside the machine to a thief or a fraud
using some fraud detection techniques
•The customer request a withdrawal from the machine which
dispenses no money but merely prints a receipt
•The customer then takes the report to a sales clerk and
•An additional security measures limits the total amount of
exchange it for cash
ATM withdrawal to some particular amount
•This aims to reduce the amount of fraud withdrawal
25. •24-Hour, 365-Day Access to Your
Bank Accounts
•International access to funds
•Fraud Protection
•Wider Network of Banking
Facilities
33. •So we came across many fraud
detection techniques and the usage of
various types of cards depending on the
customer needs.
•Finally whenever you are dealing with
the money transaction ,don’t get deviated
and get your money in a finer
transaction.
•So ATM is made to provide us with
better facility….. Please don’t miss use
