This document provides an overview of ATM and NDC technologies. It describes the main hardware components of an ATM, including the card reader, cash dispenser, and receipt printer. It also outlines the major transaction types that ATMs support, such as cash withdrawals, balance inquiries, and pin changes. Additionally, it explains how the ATM driver controls the cardholder interface and transaction processing. Finally, it introduces NDC, a message protocol used for communication between ATMs and the switch, and lists some of the main NDC message identifiers.

1. ATM and NDC Overview

2.  What will you learn?
 ATM Landscape
 ATM Enhancements Overview
 ATM Hardware Components
 Cash Management
 ATM Driver
 Transaction Message Flow
 Introduction to NDC
 NDC+ messages types
 Message identifiers
 More detailed look at the NDC message

3.  ATM Hardware
 Receipt Printer
 Card Reader
 Cash Dispenser
 Encrypting PIN pad
 Deposit Module
 Supported Transactions
 Cash Withdrawal
 Balance Enquiry
 Transfer Funds
 Pin Change
 Favourite
transaction
preference

4.  ATM driver is maintained on switch, is used to control card holder interface and transaction process.
 ATM driver consists of FIT table, States, Screens, ICC information, Receipts format etc.
 ‘Force Full download’ command is issued from ATM Monitor to load ATM Driver to the terminal.
 FIT (Financial Institution Table) determines the processing options for the card inserted, when the card is inserted in ATM,
FIT is checked, when FIT is found, that FIT is used for subsequent processing.
The State controls the information that is gathered from the card and cardholder during transactions
When a state is entered, it designates which action the terminal performs, displays an appropriate screen and exits to the
appropriate next state.

5.  Overview
 NDC stands for NCR Direct Connect
 NDC+ is an NCR developed message protocol used to pass messages between ATM and switch
 Worldwide usage
 Terminal Application
 NCR provides an XFS software layer for ATM software vendors to “hook” into for device management
 The ATM software terminal application generates and responds to NDC+ messages
 ATM logic is managed by switch, so ATM is often referred to as a “dumb terminal”.
 Central Application
 In an NDC world, Central is a collective term used for the Switch
 The role of Central is to maintain the NDC+ interface to which ATMs connect, parse and process NDC+
messages

6.  Message identifiers
 11: Transaction Request to Central
 40: Transaction response
 22: Solicited Status to Central
 12: Unsolicited status message to Central
 10: Terminal commands from Central
 61: Electronic Journal
 6: Electronic Journal ack message
 23: Key initialisation message
 33: Key exchange download
 31: Parameter download