ATM technology is the greatest invention and a fast moving invention where the customer needs and requirements are paramount to the industry.

1. A Brief Description about ATM Software
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As we know every machine requires software to run and same as for ATM. ATM (automated
teller machine or also known as automatic banking machine) also need software to complete
your requested transaction. Do you ever thought how by just inserting a plastic card and typing
a password allows you to make any transaction or how from a single machine you can get your
cash at any time without spending hours in banking counter queue? Basically it’s the software
that allows you to do the specific task that is installed in its hardware.
With the cutting edge technology ATM today becomes a part of our daily life and why not, it
offers us several benefits such as we can access our banking at any time, get instant cash,
transfer money, pay bills and even also books our tickets through this amazing machine. This
revolutionary machine has been firstly installed by Barclay’s bank branch in London as a cash
dispensing machine and since then today there are millions of ATM machines installed at
different parts of countries and world. To get more information about how it works, you should
know about its technical functionality and capabilities and its background.
The main aim to develop ATM was to make an easy way to withdraw cash as much as easier for
public and also reduces the strain of bank clerks who had busy in handling cash over the
counter. The earliest cash machine use checks instead of plastic card that allowed the public to
withdraw cash from their bank accounts with ease. But with the advancement of credit and
debit card technology, public can access their cash at any time and from anywhere without
bank staff help.
In the 21st
century ATM technology is the greatest invention and a fast moving invention where
the customer needs and requirements are paramount to the industry. ATM machine works by
being connected with complex interbank networks popularly known as LINK and Cirrus. When
customer requested any transaction or makes any request then ATM first access permission
from financial institution or bank to confirm whether to allow customer to make transaction.
Every machine comprises of hardware and software. The typing keypad, the card inserting gap
and a monitor displaying information are hardware part of ATM but behind the hardware,
software is running which is the main element of the machine.
Mostly developers of ATM use Microsoft Windows OS primarily Windows XP Embedded or
Windows XP Professional. In addition ATM manufacturers provide software packages that
implement protocols such as Diebold 91x and NCR NDC or NDC + provide emulation of older
generation machines. The software structure of the machine is relatively complex and for an

2. average person it’s difficult to learn about it. You can gain knowledge about ATM software
from the internet easily.