Automated teller machine

From Wikipedia, the free encyclopedia

An automated teller machine or automatic teller machine (ATM) is a computerized telecommunications device that provides a financial institution's customers a secure method of performing financial transactions in a public space without the need for a human clerk or bank teller.

Using an ATM, customers can access their bank accounts in order to make cash withdrawals (or credit card cash advances) and check their account balances. Many ATMs also allow people to deposit cash or checks, transfer money between their bank accounts, pay bills, or purchase goods and services.

An ATM is also known, in English, as Automated Banking Machine, Money machine, Bank Machine (Canada), Cash Machine (UK), Hole-In-The-Wall (New Zealand, UK) or Cashpoint (New Zealand, UK). Despite the wide usage of the term "ATM Machine", the word "machine" is redundant.

Contents 1 History 2 Usage 3 Types 3.1 Types by physical characteristics 3.2 Types by installation locations 4 Financial networks and ATMs 4.1 Logical connections 4.2 Physical connections 5 Global use 6 Hardware 6.1 Vaults 7 Software 7.1 [WOSA/CEN]/XFS and J/XFS 7.2 XFS middleware 7.3 Software integrity 8 Security 8.1 Physical 8.2 Transactional secrecy and integrity 8.3 Customer identity integrity 8.4 Device operation integrity 8.5 Customer security while using ATMs 9 Alternative uses 10 Future technologies 11 Reliability 12 Fraud 12.1 Fake ATMs 12.2 Operational fraud 12.3 ATM card fraud 12.3.1 Theft 12.3.2 Cloning 12.3.3 Combatting stolen cards and information 13 Related devices 13.1 "Talking ATM" 13.2 Postal kiosk 13.3 Scrip cash dispenser 13.4 Teller assist unit 14 See also 15 External links 16 References 17 Further reading

[edit] History

A mechanical cash dispenser, arguably an ATM, was developed and built by Luther George Simjian and installed 1939 in New York by the City Bank of New York, but removed after 6 months due to the lack of customer acceptance.^[1]

Thereafter, the history of ATMs paused for over 25 years, until De La Rue developed the first electronic ATM, which was installed first in Enfield Town in North London on June 27, 1967 by Barclays Bank. The first person to use the machine was Reg Varney of "On the Buses" fame, a British Television programme from the 1960s.^[2]This instance of the invention is credited to John Shepherd-Barron, although Luther George Simjian registered patents in New York, USA in the 1930s and Donald Wetzel and two other engineers from Docutel registered a patent on June 4, 1973. Shepherd-Barron was awarded an OBE in the 2005 New Year's Honours List^[3]

The first ATMs accepted only a single-use token or voucher, which was retained by the machine. These worked on various principles including radiation and low-coercivity magnetism that was wiped by the card reader to make fraud more difficult.^[3]

The idea of a personal identification number (PIN) stored on a physical card being compared with the PIN entered when retrieving the money was developed by the British engineer James Goodfellow in 1965, who also holds international patents regarding this technology.^[3]

ATMs first came into wide use during the early- to mid-1980s. Notable historical models of ATMs include the IBM 3624 and 473x series, Diebold TABS 9000 and 10xx series, and NCR 5xxx series.

[edit] Usage

On most modern ATMs, the customer identifies him or herself by inserting a plastic card with a magnetic stripe or a plastic smartcard with a chip, that contains his or her card number and some security information, such as an expiration date or CVC (CVV). The customer then verifies their identity by entering a passcode, often referred to as a PIN (Personal Identification Number) of four or more digits. Upon successful entry of the PIN, the customer may perform a transaction. After the transaction is complete, a transaction record is printed, usually consisting of the action taken, date and time, location, any applicable fees, and available balance.

If the number is entered incorrectly several times in a row (usually three attempts per card insertion), some ATMs will attempt to retain the card as a security precaution to prevent an unauthorised user from discovering the PIN by guesswork. Captured cards are often destroyed if the ATM owner is not the card issuing bank, as non-customer's identities cannot be reliably confirmed.

In some cases, a transaction may be performed at the ATM that allows the customer's PIN to be changed securely.

[edit] Types

The top three worldwide manufacturers of ATM machinery and their ATM brands includes the Diebold Opteva series, NCR Personas series, and Wincor Nixdorf ProCash series.^[4] There are many other ATM suppliers and distributors.

[edit] Types by physical characteristics

There are two main types of ATMs that have developed over time:

• Mono-function devices, which only one type of mechanism for financial transactions is present (such as cash dispensing or statement printing)
• Multi-function devices, which incorporate multiple mechanisms to perform multiple services (such as accepting deposits, dispensing cash, printing statements, etc.) all within a single footprint.

Mono-function and multi-function devices are manufactured both regular "interior grade" and weather-resistant "exterior, through-the-wall grade" variants. Some ATMs are also built as fully self-contained exterior units designed to sit alone without the protection of a building and be completely exposed on all sides to the elements.

Reasons for selecting either mono-function or multi-function and "interior" versus "exterior" ATMs include device cost, installation location, customer wait times, desired reliability, and historical preference.

[edit] Types by installation locations

ATMs are placed not only near or inside the premises of banks, but also in locations such as shopping centres/malls, grocery stores, gas stations and restaurants. These represent two types of ATM installations, on and off premise. On premise ATMs are typically more advanced, mutli-function machines that complement an actual bank branch's capabilities and thus more expensive. Off premise machines are deployed by financial institutions and also ISOs (or Independent Sales Organizations) where there is usually just a straight need for cash, so they typically are the cheaper mono-function devices.

In Canada, when an ATM is not operated by a financial institution it is known as a "White Label ATM".

[edit] Financial networks and ATMs

[edit] Logical connections

Most ATMs are connected to interbank networks, enabling people to withdraw and deposit money from machines not belonging to the bank where they have their account or in the country where their accounts are held. This is a convenience, especially for people who are travelling: it is possible to make withdrawals in places where one's bank has no branches, and even to withdraw local currency in a foreign country. Some examples of interbank networks include PLUS, Cirrus, South Africa's SASWITCH, Hong Kong's JETCO, Canada's Interac, the Philippines' Expressnet and Nigeria's Interswitch network.

ATMs rely on authorization of a transaction by the card issuer or other authorizing institution via the communications network. This is often performed through an ISO 8583 messaging system.

Many banks charge fees for the use of their ATMs. In some cases, these fees are assessed solely for non-members of the bank; in other cases, they apply to all users. Many people oppose these fees because ATMs are actually less costly for banks than withdrawals from human tellers.

In order to allow a more diverse range of devices to attach to their networks, some interbank networks have passed rules expanding the definition of an ATM to be a terminal that either has the vault within its footprint or utilizes the vault or cash drawer within the merchant establishment, which allows for the use of a scrip cash dispenser.

[edit] Physical connections

ATMs typically connect directly to their ATM Transaction Processor via either a dial-up modem over a telephone line or directly via a leased line. Leased lines are preferable to POTS lines because they require less time to establish a connection. Leased lines may be comparatively expensive to operate versus a POTS line, meaning less-trafficked machines will usually rely on a dial-up modem. That dilemma may be solved as high-speed Internet VPN connections become more ubiquitous. Common lower-level layer communication protocols used by ATMs to communicate back to the Bank include SNA over SDLC, TC500 over Async, X.25, and TCP/IP over Ethernet.

In addition to methods employed for transaction security and secrecy, all communications traffic between the ATM and the Transaction Processor could also be encrypted via methods such as SSL.^[5]

[edit] Global use

There are no hard international or governmental-compiled numbers totaling the complete number of ATMs in use worldwide. Estimates developed by ATMIA place the number of ATMs in use at over 1.5 million as of August 2006^[6]

Industry views of ATM usage around the world generally divide the world into seven regions, due to the penetration rates, usage statistics, and features deployed. Four regions (USA, Canada, Europe, and Japan) have high numbers of ATMs per million people^[7] and generally slowing growth rates.^[8] Despite the large number of ATMs,^[9] there is additional demand for machines in the Asia/Pacific^[10] area as well as in Latin America.^[11] ATMs have yet to reach high numbers in the Near East/Africa.^[12]

The world's most northernly installed ATM in the world is located at Longyearbyen, Svalbard, Norway.^[13]

The world's most southernly installed ATM in the world is located at McMurdo Station, Antarctica.^[14]

While ATMs are ubiquitous on modern cruise ships, ATMs can also be found on certain US Navy ships.^[15]

[edit] Hardware

An ATM typically is made up of the following devices:

• CPU (to control the user interface and transaction devices)
• Magnetic and/or Chip card reader (to identify the customer)
• PIN Pad (similar in layout to a Touch tone or Calculator keypad), often manufactured as part of a secure enclosure.
• Secure cryptoprocessor, generally within a secure enclosure.
• Display (used by the customer for performing the transaction)
• Function key buttons (usually close to the display) or a Touchscreen (used to select the various aspects of the transaction)
• Record Printer (to provide the customer with a record of their transaction)
• Vault (to store the parts of the machinery requiring restricted access)
• Housing (for aesthetics and to attach signage to)

Recently, due to heavier computing demands and the falling price of computer-like architectures, ATMs have moved away from custom hardware architectures using microcontrollers and/or application-specific integrated circuits to adopting a hardware architecture that is very similar to a personal computer. Many ATMs are now able to use operating systems such as Microsoft Windows and Linux. Although it is undoubtedly cheaper to use commercial off-the-shelf hardware, it does make ATM's vulnerable to the same sort of problems exhibited by conventional computers.

[edit] Vaults

The vault of an ATM is within the footprint of the device itself and is where items of value are kept. Scrip cash dispensers do not incorporate a vault.

Mechanisms found inside the vault may include:

• Dispensing mechanism (to provide cash or other items of value)
• Deposit mechanism (to take items of value from the customer)
• Security sensors (Magnetic, Thermal, Seismic)
• Locks (to ensure controlled access to the contents of the vault)

ATM vaults are supplied by manufacturers in several grades. Factors influencing vault grade selection include cost, weight, regulatory requirements, ATM type, operator risk avoidance practices, and internal volume requirements.^[16]

Industry standard vault configurations include Underwriters Laboratories UL-291 "Business Hours" and Level 1 Safes,^[17] RAL 626/3,^[18][19] TL-30 derivatives,^[20] and CEN EN 1143-1:2005 - CEN III/VdS and CEN IV/LGAI/VdS.^[21][22]

ATM manufacturers recommend that vaults be attached to the floor to prevent theft.^[23]

[edit] Software

With the migration to commodity PC hardware, standard commercial "off-the-shelf" operating systems and programming environments can be used inside of ATMs. Typical platforms used in ATM development include RMX, OS/2, and Microsoft operating systems (such as Windows 98, Windows NT, Windows 2000, Windows XP, or Windows XP Embedded). Sun Microsystem's Java may also be used in these environments.

Linux is also finding some reception in the ATM marketplace. An example of this is Banrisul, the largest bank in the south of Brazil, which has replaced the MS-DOS operating systems in its ATMs with Linux.

Common application layer transaction protocols, such as Diebold 911 or 912, IBM PBM, and NCR NDC or NDC+ provide emulation of older generations of hardware on newer platforms with incremental extensions made over time to address new capabilities. Most major ATM manufacturers provide software packages that implement these protocols. Newer protocols such as IFX have yet to find wide acceptance by transaction processors.^[24]

[edit] [WOSA/CEN]/XFS and J/XFS

With the move to a more standardized software base, financial institutions have been increasingly interested in the ability to pick and choose the application programs that drive their equipment. WOSA/XFS, now known as CEN XFS (or simply XFS), provides a common API for accessing and manipulating the various devices of an ATM.

J/XFS is a Java implementation of the CEN XFS API.^[25]

[edit] XFS middleware

While the perceived benefit of XFS is similar to the Java's "Write once, run anywhere" mantra, often different ATM hardware vendors have different interpretations of the XFS standard. The result of these differences in interpretation means that ATM applications typically use a middleware to even out the differences between various platforms.

Notable XFS middleware platforms include Diebold Agilis, KAL Kalignite, NCR Corporation Aptra Edge, Phoenix Interactive VISTAatm, and Wincor Nixdorf Protopas.

[edit] Software integrity

With the move of ATMs to industry-standard computing environments, concern has risen about the integrity of the ATM's software stack.^[26] Various solutions have been adopted by the industry to address this concern.^[27][28]

[edit] Security

Security, as it relates to ATMs, has several dimensions. ATMs also provide a practical demonstration of a number of security systems and concepts operating together and how various security concerns are dealt with.

[edit] Physical

Early ATM security focused on making the ATMs invulnerable to physical attack; they were effectively safes with dispenser mechanisms. A number of attacks on ATMs resulted, with thieves attempting to steal entire ATMs by ram-raiding.^[29] Since late 1990s, criminal groups operating in Japan improved ram-raiding by stealing and using a truck loaded with a heavy construction machinery to effectively demolish or uproot an entire ATM and any housing to steal its cash.^[30]

Another attack method is to seal all openings of the ATM with silicone and fill the vault with a combustible gas or to place an explosive inside, attached, or near the ATM. This gas or explosive is ignited and the vault is opened or distorted by the force of the resulting explosion and the criminals can break in.^[31][32][33]

Modern ATM physical security, per other modern money-handling security, concentrates on denying the use of the money inside the machine to a thief, by means of techniques such as dye markers and smoke canisters.^[34][35]

[edit] Transactional secrecy and integrity

The security of ATM transactions relies mostly on the integrity of the secure cryptoprocessor: the ATM often uses commodity components that are not considered to be "trusted systems".

Encryption of personal information, required by law in many jurisdictions, is used to prevent fraud. Sensitive data in ATM transactions are usually encrypted with DES, but transaction processors now usually require the use of Triple DES.^[36] Remote Key Loading techniques may be used to ensure the secrecy of the initialization of the encryption keys in the ATM. Message Authentication Code (MAC) or Partial MAC may also be used to ensure messages have not been tampered with while in transit between the ATM and the financial network.

[edit] Customer identity integrity

There have also been a number of incidents of fraud where criminals have attached fake keypads or card readers to existing machines. These have then been used to record customers' PINs and bank card information in order to gain unauthorised access to their accounts. Various ATM manufacturers have put in place countermeasures to protect the equipment they manufacture from these threats.^[37][38]

Alternate methods to verify cardholder identities have been tested and deployed in some countries, such as finger and palm vein patterns,^[39] iris, and facial recognition technologies. Cost of integrating and implementing these technologies along with concerns about consumer acceptance have limited their deployment so far.^[40]

[edit] Device operation integrity

Openings on the customer-side of ATMs are often covered by mechanical shutters to prevent tampering with the mechanisms when they are not in use. Alarm sensors are placed inside the ATM and in ATM servicing areas to alert their operators when doors have been opened by unauthorized personnel.

Rules are usually set by the government or ATM operating body that dictate what happens when integrity systems fail. Depending on the jurisdiction, a bank may or may not be liable when an attempt is made to dispense a customer's money from an ATM and the money either gets outside of the ATM's vault, or was exposed in a non-secure fashion, or they are unable to determine the state of the money after a failed transaction.^[41] Bank customers often complain that banks have made it difficult to recover money lost in this way, but this is often complicated by the Bank's own internal policies regarding suspicious activities typical of the criminal element.^[42]

[edit] Customer security while using ATMs

In some areas, multiple security cameras and security guards are an ubiquitous ATM feature.^[43]

Critics of ATM operators assert that the issue of customer security appears to have been abandoned by the banking industry;^[44] it has been suggested that efforts are now more concentrated on deterring legislation than on solving the problem of forced withdrawals.^[45]

At least as far back as July 30, 1986, critics of the industry have called for the adoption of an emergency PIN system for ATMs, where the user is able to send a silent alarm in response to a threat.^[46] Legislative efforts to require an emergency PIN system have appeared in Illinois,^[47] Kansas^[48] and Georgia,^[49] but none have succeeded as of yet.

[edit] Alternative uses

Although ATMs were originally developed as just cash dispensers, they have evolved to include many other bank-related functions. In some countries, especially those which benefit from a fully integrated cross-bank ATM network (e.g.: Multibanco in Portugal), ATMs include many functions which are not directly related to the management of one's own bank account, such as:

• Deposit currency recognition, acceptance, and recycling^[50][51]
• Paying routine bills, fees, and taxes (utilities, phone bills, social security, legal fees, taxes, etc.)
• Printing bank statements
• Updating passbooks
• Loading monetary value into pre-paid cards (cell phones, tolls, multi purpose stored value cards, etc.)
• Ticket purchases (train, concert, etc.).
• Purchasing postal stamps.
• Lottery ticket purchases^[52]
• Games and promotional features^[53]
• Donations to charities^[54]
• Purchase shopping mall gift certificates.

In Canada, the Interac shared cash network does not allow for the selling of goods from ATMs due to specific security requirements for PIN entry when buying goods.^[55]

ATMs can also act as an advertising channel for companies to advertise their own products or third-party products and services.^[56]

[edit] Future technologies

Manufactures have demonstrated and have deployed several different technologies on ATMs that have not yet reached worldwide acceptance, such as:

• Biometrics, where authorization of transactions is based on the scanning of a customer's fingerprint, iris, face, etc.
  • Biometrics on ATMs can be found in Asia^{[57][58][59][60]}
• Cheque/Cash Acceptance, where the ATM accepts and recoginse cheques and/or currency without using envelopes^[61]
  • Expected to grow in importance in the US through Check 21 legislation.
• Bar code scanning^[62]
• On-demand printing of "items of value" (such as movie tickets, Travellers Cheques, etc.)
• Dispensing additional media (such as phone cards)
• Co-ordination of ATMs with mobile phones^[63]
• Customer-specific advertising^[64][65]
• Integration with non-banking equipment^[66][67]

[edit] Reliability

Before an ATM is placed in a public place, it typically has undergone extensive testing with both test money and the backend computer systems that allow it to perform transactions. Banking customers also have come to expect high reliability in their ATMs,^[68] which provides incentives to ATM providers to minimize machine and network failures. Financial consequences of incorrect machine operation also provide high degrees of incentive to minimize malfunctions.^[69]

ATMs and the supporting electronic financial networks are generally very reliable, with industry benchmarks typically producing 98.25% customer availability for ATMs^[70] and up to 99.999% availability for host systems.^[71] If ATMs do go out of service, customers could be left without the ability to make transactions until the beginning of their bank's next time of opening hours.

Of course, not all errors are to the detriment of customers; there have been cases of machines giving out money without debiting the account, or giving out higher value notes as a result of incorrect denomination of banknote being loaded in the money cassettes. Errors that can occur may be mechanical (such as card transport mechanisms; keypads; hard disk failures); software (such as operating system; device driver; application); communications; or purely down to operator error.

To aid in reliability, some ATMs print each transaction to a roll paper journal that is stored inside the ATM, which allows both the users of the ATMs and the related financial institutions to settle things based on the records in the journal in case there is a dispute. In some cases, transactions are posted to an electronic journal to remove the cost of supplying journal paper to the ATM and for more convenient searching of data.

Improper money checking can cause the possibility of a customer receiving counterfeit banknotes from an ATM. While Bank presonnel are generally trained better at spotting and removing counterfit cash,^[72][73] the resulting ATM money supplies used by banks provide no absolute guarantee for proper banknotes, as the Federal Criminal Police Office of Germany has confirmed that there are regularly incidents of false banknotes having been provided through bank ATMs.^[74] Some ATMs may be stocked and wholly owned by outside companies, which can further complicate this problem when it happens.^[75] Bill validation technology can be used by ATM providers to help ensure the authenticity of the cash before it is stocked in an ATM; ATMs that have cash recycling capabilities include this capability.^[76]

[edit] Fraud

As with any device containing objects of value, ATMs and the systems they depend on to function are the targets of fraud. Fraud against ATMs and people's attempts to use them takes several forms.

[edit] Fake ATMs

The first known instance of a fake ATM was installed at a shopping mall in Manchester, Connecticut in 1993. By modifying the inner workings of a Fujitsu model 7020 ATM, a criminal gang known as The Bucklands Boys were able to steal information from cards inserted into the machine by customers.^[77][78]

[edit] Operational fraud

In some cases, bank fraud could occur at ATMs whereby the bank accidentally stocks the ATM with bills in the wrong denomination, therefore giving the customer more money than should be dispensed.^[79] The result of receiving too much money may be influenced on the Card Holder Agreement in place between the customer and the Bank.^[80][81]

In a variation of this, WAVY-TV reported an incident in Virginia Beach of September 2006 where a hacker who had an admin password for a gas station's white label ATM caused the unit to assume it was loaded with $5 USD bills instead of $20s, enabling himself--and many subsequent customers--to walk away with four times the money they said they wanted to withdraw.^[82][83]

ATM behaviour can change during what is called "stand-in" time, where the Bank's cash dispensing network is unable to access databases that contain account information (possibly for database maintenance). In order to give customers access to cash, customers may be allowed to withdraw cash up to a certain amount that may be less than their usual daily withdrawal limit, but may still exceed the amount of available money in their account, which could result in fraud.^[84]

[edit] ATM card fraud

[edit] Theft

For a low-tech form of fraud, the simplest is to simply steal a customer's card. In this scenario, the user's PIN is observed by someone watching as they use the machine; they are then mugged for their card by a second person, who has taken care to stay out of range of the ATM's surveillance cameras. However, this offers little advantage compared to simply mugging the victim for their money, and carries the same risks to the offender as other violent crimes.

A later variant of this approach is to trap the card inside of the ATM's card reader with a device often referred to as an Lebanese loop. When the customer gets frustrated by not getting the card back and walks away from the machine, the criminal is able to remove the card and withdraw cash from the customer's account.

The Lebanese Loop could also be combined with the Droplet method of stealing the PIN, where small drops of oil are placed on the PIN pad keys. After a customer used the ATM, one can see which keys were pressed, which makes it easier to guess the entered pin. A simple counter measure to this attack is to wipe the PIN pad before or after each use.

Another simple form of fraud involves attempting to get the customer's bank to issue a new card and stealing it from their mail.^[85]

[edit] Cloning

The concept and various methods of copying the contents of an ATM card's magnetic stripe on to a duplicate card to access other people's financial information was well known in the hacking communities by late 1990.^[86]

In 1996 Andrew Stone, a computer security consultant from Hampshire in the UK was convicted of stealing in excess of 1 million UK pounds (at the time that was US$1.6 million) by pointing high definition video cameras at ATMs from a considerable distance, and by recording the card numbers, expiry dates, etc. from the embossed detail on the ATM cards along with video footage of the PINs being entered. After getting all the information from the videotapes, he was able to produce clone cards which not only allowed him to withdraw the full daily limit for each account, but also allowed him to sidestep withdrawal limits by using multiple copied cards. In court, it was shown that he could withdraw as much as £10,000 per hour by using this method. Stone was sentenced to five years and six months in prison.^[87]

By contrast, a newer high-tech modus operandi involves the installation of a magnetic card reader over the real ATM's card slot and the use of a wireless surveillance camera or a modified digital camera to observe the user's PIN. Card data is then cloned onto a second card and the criminal attempts a standard cash withdrawal. The availability of low-cost commodity wireless cameras and card readers has made it a relatively simple form of fraud, with comparatively low risk to the fraudsters.^[88]

[edit] Combatting stolen cards and information

In an attempt to stop these practices, countermeasures against card cloning have been developed by the banking industry, in particular by the use of smart cards which cannot easily be copied or spoofed by un-authenticated devices, and by attempting to make the outside of their ATMs tamper evident. Older chip-card security systems include the French Carte Bleue, Visa Cash, Mondex, Blue from American Express^[89] and EMV '96 or EMV 3.11. The most actively developed form of smart card security in the industry today is known as EMV 2000 or EMV 4.x.

EMV is widely used in the UK (Chip and PIN) and parts of Europe, but when it is not available in a specific area, ATMs must fallback to using the easy to copy magnetic stripe to perform transactions. This fallback behaviour can be exploited.^[90]

[edit] Related devices

[edit] "Talking ATM"

A Talking ATM is a type of ATM that provides audible instructions so that persons who cannot read an ATM screen can independently use the machine. All audible information is delivered privately through a standard headphone jack on the face of the machine. Information is delivered to the customer either through pre-recorded sound files or via text-to-speech speech synthesis.

[edit] Postal kiosk

A postal kiosk may also share many of the same components as an ATM (including a vault), but only dispenses items relating to postage.^[91][92]

[edit] Scrip cash dispenser

A scrip cash dispenser may share many of the same components as an ATM, but lacks the ability to dispense physical cash and consequently requires no vault. Instead, the customer requests a withdrawal transaction from the machine, which prints a receipt. The customer then takes this receipt to a nearby sales clerk, who then exchanges it for cash from the till.^[93]

[edit] Teller assist unit

A Teller Assist Unit may also share many of the same components as an ATM (including a vault), but they are distinct in that they are designed to be operated solely by trained personnel and not the general public, they do not integrate directly into interbank networks, and are usually controlled by a computer that is not directly integrated into the overall construction of the unit.

[edit] See also

• ATM card
• ATM usage fees
• EFTPOS
• Financial cryptography
• Interactive kiosk
• List of companies involved with ATMs
  • Diebold
  • NCR
  • Wincor Nixdorf
• Payroll Card
• Guide to E-payments
• Personal Identification Number
• Phantom withdrawal
• RAS syndrome

[edit] External links

• How ATMs work – From website Howstuffworks.com
• The Money Machines – An account of U.S. ATM history; By Ellen Florian, Fortune.com
• ATM timeline – Includes picture of original ATM opening
• Banrisul Linux-ATM project – Brazilian bank that uses open-source software in their APMs
• ATM inventor honoured
• Who invented the ATM?
• Self-Service World - news portal covering self-service technology
• KioskMarketplace.com - industry news site devoted to kiosks and related technology
• Self-Service & Kiosk Association - industry membership association
• ATMmarketplace.com - news portal covering the ATM industry
• CEN/XFS Working Group Home page - Maintainers of the CEN/XFS standard
• Government of Canada - 2006 report on the position of ABMs in the Canadian retail marketplace.

[edit] References

[edit] Further reading

• Brain, Marshall Marshall Brain's More How Stuff Works, John Wiley and Sons Ltd, New York, October 2002, ISBN 0-7645-6711-X
• Donley, Richard Everything has its price, Fireside Books /Simon & Schuster, New Jersey, March 1995, ISBN 0-671-89559-1
• Guile, Bruce R., Quinn, James Brian Managing Innovation Cases from the Services Industries, National Academy Press, Washington (D.C.), January 1988, ISBN 0-309-03926-6
• Hillier, David Money Transmission and the Payments Market, Financial World Publishing, Kent UK, January 2002, ISBN 0-85297-643-7
• IESNA Committee Lighting for Automatic Teller Machines, Illuminating Engineering Society of North America, January 1997, ISBN 0-87995-122-2
• Ikenson, Ben Patents: Ingenious Inventions How They Work and How They Came to Be, Gina Black Dog & Leventhal Publishers, Inc., April 2004, ISBN 1-57912-367-8
• Mcall, Susan Resolution of Banking Disputes, Sweet & Maxwell, Ltd., December 1990, ISBN 0-85121-644-7
• Peterson, Kirk Automated Teller Machine as a National Bank under the Federal Law, William S. Hein & Co., Inc., August 1987, ISBN 0-89941-587-3
• Zotti, Ed Triumph of the Straight Dope, Random House, February 1999, ISBN 0-345-42008-X