ATM stands for Automated Teller Machine. It allows customers to access their bank accounts and perform financial transactions electronically without visiting a bank. Some key transactions include withdrawing cash, checking balances, and making deposits. The first ATM was introduced by HSBC bank in India in 1987. ATMs have since evolved from early machines that only performed basic transactions to modern networked machines that provide enhanced functionality. An ATM consists of components like a card reader, keypad, display screen, receipt printer, cash dispenser, and hardware/software to facilitate secure financial transactions for customers remotely. While convenient, ATMs also present some security risks and potential for technical errors.

1. ATM
Submitted to: Submitted by:
Dr. Sumedha Bhandari Rachhpal Kaur
L-2013-AE-31-MCA

2. Introduction
I. ATM is a computerized electronics device.
II. Enables clients to perform financial transactions.
III. Using ATM, customers can access bank-accounts.
IV. features: withdrawal, check balance, make
deposit.
V. Hongkong and Shanghai Banking
Corporation(HSBC).
VI. First bank introduce ATM concept in India, 1987.

3. Development
I. Luther George Simjian initially came up with the
idea of "hole-in-the-wall machine“.
II. Bankograph installed in New York City (June 30,
1939).
III. Bankograph was automated envelope deposit
machine.
IV. 1968 Donald-Wetzel introduced networked ATM
concept.
V. sept.2,1969 Chemical Bank installed the first ATM .
VI. First modern ATM came into use in December
1972 in UK.

4. Parts of the Machine
I. Card reader captures the account information.
II. Keypad Tells what kind of transaction is required.
III. Speaker provides the auditory feedback on key
pressed.
IV. Display screen displays steps of transaction
process.
V. Receipt printer provides receipt of transaction.
VI. Cash dispenser bottom portion of ATMs is a safe
that contains the cash.

5. Hardware
I. CPU control user interface, transaction devices.
II. Magnetic card reader to identify the customer.
III. Secure crypto processor generally within secure
enclosure.
IV. Display used by customer to perform transaction
V. Function keys used to select various aspects of
transaction.
VI. Record Printer provide customer with record of
their transaction.

6. Software
I. worldwide ATMs use Microsoft Windows OS.
II. Primarily Windows XP Professional or Embedded.
III. Public desktop OS have greater risks than RTOS.
IV. Linux also used in ATM.
V. Banrisul, bank in south of Brazil replace windows
with Linux.
VI. Banco do Brasil is also migrating ATMs to Linux.

7. Positive aspects
I. Could be confusing to operate at times.
II. Crime And Robbing.
III. Error of the computer program.
I. More job opportunities at a computer store.
II. Time Saving.
III. Need not have to carry a huge amount in hand.
Negative aspects

8. THANK YOU