The document describes the components and process of an ATM transaction. It outlines the key components of an ATM including the card reader, keypad, receipt printer, cash dispenser, display, deposit slot, and QR code. It explains how the card reader retrieves customer account information from the chip card which is sent to the payment host for verification before cash is dispensed or deposits are accepted. It also mentions alternative mobile payment methods and how ATM software and hardware can be virtualized for testing.

1. The basics.
Follow the money.
Receipt Printer: Upon request, a
paper receipt of the transaction
is distributed..
Keypad: This allows customers
to communicate with the ATM:
input PIN code, select amount
of cash, transaction type,…
Card Reader: Reads the information
that is stored on a debit or credit card.
The data retrieved is sent to the payment
host or payment processor, which decrypts
the information and retrieves the customer’s
account information.
QR code displayed on screen:
Enables users to withdraw cash by
scanning the QR Code on the
ATM screen (with a mobile device).
Cash Dispenser:
The device that distributes cash
from the ATM’s vault.
Mobile device:
Withdraw cash using ApplePay,
SamsungPay, AndroidPay,…or
scan the displayed QR code
via a bank’s app.
Display: Guides users through
the different steps of an ATM
transaction. It can also be used
to interact with the ATM using
the buttons or touch screen.
EMV debit, credit or
prepaid card: After
inserting the chip card in the
card reader, the user just enters a four
digit Personal Identification Number (PIN).
This number must correspond to the
information that is stored on the chip.
Deposit Slot: Allows users to deposit
cash or checks.
Confirming quality: how ATM testing works.
Discover how FIS can help you confirm your quality.
opentestsolutions@fisglobal.com | www.opentestsolutions.com
ATM SOFTWARE AND ALL
HARDWARE DEVICES
ARE VIRTUALIZED
How an ATM transaction
really works.
PAYMENT HOST
IS SIMULATED
ATM AUTOMATED TEST SOLUTION SENDS
VALID AND INVALID REQUESTS TO VERIFY THE ATM’S BEHAVIOR
CASH
WITHDRAWAL
WITH PIN
CASH
DISPENSED
TRANSACTION
APPROVED
TRANSACTION
REFUSED
PIN ENCRYPTION
BANK
PAYMENT HOST
HARDWARE SECURITY
MODULE
CHECK PIN
TRANSACTION
APPROVED
TRANSACTION
REFUSED