1. University of Palestine Faculty of Business Administration Computer Business Application Automated Teller Machine Yosef Lubbad 120070470

2. Identification An automated teller machine (ATM), also known as Cash Machine, or Cash point, is a computerized telecommunications device that provides the clients of a financial institution without the need for a cashier, human clerk An automated teller machine (ATM), also known as Cash Machine, or Cash point, is a computerized telecommunications device that provides the clients of a financial institution without the need for a cashier, human clerkclientsfinancial institutionclientsfinancial institution On most modern ATMs, the customer is identified by inserting a plastic ATM card with a magnetic stripe or a plastic smart card with a chip, that contains a unique card number and some security information such as an expiration date or CVVC (CVV). Authentication is provided by the customer entering a personal identification number (PIN). On most modern ATMs, the customer is identified by inserting a plastic ATM card with a magnetic stripe or a plastic smart card with a chip, that contains a unique card number and some security information such as an expiration date or CVVC (CVV). Authentication is provided by the customer entering a personal identification number (PIN).ATM cardmagnetic stripesmart cardchipCVVCpersonal identification numberATM cardmagnetic stripesmart cardchipCVVCpersonal identification number

3. Services ATM Using an ATM, customers can access their bank accounts in order to make cash withdrawals, credit card cash advances, and check their account balances as well as purchase prepaid cell phone credit. If the currency being withdrawn from the ATM is different from that which the bank account is denominated Using an ATM, customers can access their bank accounts in order to make cash withdrawals, credit card cash advances, and check their account balances as well as purchase prepaid cell phone credit. If the currency being withdrawn from the ATM is different from that which the bank account is denominatedaccounts cashcredit cardaccounts cashcredit card

4. History The idea of self-service in retail banking developed through independent and simultaneous efforts in Japan, Sweden, the United States and the United Kingdom. In the USA, Luther George Simjian has been rightly credited with developing and building the first cash dispenser machine. There is strong evidence to suggest that Simjian worked in this device before 1959 while his 132nd patent was first filed on 30 June 1960 (and granted 26 February 1963). The rollout of this machine, called Bankograph, was delayed a couple of years. This was due in part to Simjian's Reflectone Electronics Inc. The idea of self-service in retail banking developed through independent and simultaneous efforts in Japan, Sweden, the United States and the United Kingdom. In the USA, Luther George Simjian has been rightly credited with developing and building the first cash dispenser machine. There is strong evidence to suggest that Simjian worked in this device before 1959 while his 132nd patent was first filed on 30 June 1960 (and granted 26 February 1963). The rollout of this machine, called Bankograph, was delayed a couple of years. This was due in part to Simjian's Reflectone Electronics Inc.Luther George SimjianLuther George Simjian

5. Benefits ATMs are placed not only near or inside the premises of banks, but also in locations such as shopping centers/malls, airports, grocery stores, petrol/gas stations, restaurants, or any place large numbers of people may gather. These represent two types of ATM installations: on and off premise. On premise ATMs are typically more advanced, multi-function machines that complement an actual bank branch's capabilities and thus more expensive ATMs are placed not only near or inside the premises of banks, but also in locations such as shopping centers/malls, airports, grocery stores, petrol/gas stations, restaurants, or any place large numbers of people may gather. These represent two types of ATM installations: on and off premise. On premise ATMs are typically more advanced, multi-function machines that complement an actual bank branch's capabilities and thus more expensive

6. Hardware An ATM is typically made up of the following devices: An ATM is typically made up of the following devices: CPU (to control the user interface and transaction devices) CPU (to control the user interface and transaction devices) CPU Magnetic and/or Chip card reader (to identify the customer) Magnetic and/or Chip card reader (to identify the customer) MagneticChip card MagneticChip card PIN Pad (similar in layout to a Touch tone or Calculator keypad), often manufactured as part of a secure enclosure. PIN Pad (similar in layout to a Touch tone or Calculator keypad), often manufactured as part of a secure enclosure. PINTouch tone Calculator PINTouch tone Calculator Secure cryptoprocessor, generally within a secure enclosure. Secure cryptoprocessor, generally within a secure enclosure. Secure cryptoprocessor Secure cryptoprocessor Display (used by the customer for performing the transaction) Display (used by the customer for performing the transaction) Function key buttons (usually close to the display) or a Touch screen (used to select the various aspects of the transaction) Function key buttons (usually close to the display) or a Touch screen (used to select the various aspects of the transaction) Function keyTouch screen Function keyTouch screen

7. Thank You