Done by

11MSE0251-B.Keerthana

11MSE0121-B.Gomathy

•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 human clerk or bank teller round

the clock (24 hrs a day)•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.

•Security is provided by the customer entering

a personal identification number (PIN).

•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:

•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

machine by an operator. Approval must be obtained from

the bank before physically accepting the envelope.

•A customer must be able to make a transfer of money

between any two accounts linked to the card.

•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.

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).

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

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

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

•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.

•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

•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

provider.

•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

•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

•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

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

•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

Operating System :

Windows 2000/XP

Front end : Java

Applet

Database : Ms-

Access.

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

•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

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.

•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

used surreptitiously without their knowledge and

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

it won't get scratched or bent.

•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

exchange it for cash•An additional security measures limits the total amount of

ATM withdrawal to some particular amount

•This aims to reduce the amount of fraud withdrawal

•24-Hour, 365-Day Access to Your

Bank Accounts

•International access to funds

•Fraud Protection

•Wider Network of Banking

Facilities

•Record Keeping

Requirements

•Hidden Fees

•Lost or Stolen Cards

•Ease of Overspending

•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

it….