Introduction to ATM

ATM acronyms
Automated Teller Machine
Delivery Channel of EFT

History of ATM

The first ATM was installed in 1968

by Chemical Bank in New York

Barclays Bank in UK claim to have

installed the first cash dispenser
in the world in June 1967

Working of ATM

When you insert or swipe your ATM card into

ATM what happens ?

A card reader reads the data that is digitallyencoded in the card.

Internal device captures information, along

with the personal identification number(PIN)
that keyed in, and verifies the PIN locally,
transmits the request to the institution

MODELS OF ATM

Web Enabled
Combines the power of
internet with ATM

Value Printing
Bill Payment /Railway
Reservation

INTERNAL VIEW OF ATM

ATM Numeric Key PAD

Card Reader
Processor
Dispenser
Depositor
Journal Printer
Receipt Printer
Currency Cassette
Reject BIN
Card Capture BIN

Manufacturers of ATM

Diebold
NCR
TATA Info Tech
Aplab
Bull
Trilogy
WinCor

CARD

Card Made up of Plastic with magnetic strip

Embossing (Front View)

Name, PAN,Expiry date,Valid from

Encoding(Rear View) Magnetic Strip

Track I, II, III

Track 1
Contains Name,PAN,Expiration
date,Service Code
Total length 76 bytes
Supports online transaction
mode
Starts by a value B and ends
with ?

Track 2
Contains - PAN,Expiration
date,Service Code,CVV
Total length 38 bytes
Supports online transaction
mode
Starts with ; and Ends with
?

Track 3
Contains PAN,Expiration
date,Service Code,etc
Total length 105 bytes
Supports offline transaction
mode Starts with and _ Ends
with
?

Types of Card

Credit Card

Debit Card

Smart Card

Terminology
FIID
Acronym for Financial Institution
Identification
Maximum length is four digits,
alphanumeric
Unique for each Bank(Branches)
Vital Field in each transactions

PAN
Acronym for Primary Account Number
Other names are Card
number,Cardholder number
Maximum length - 19 digits (Mostly
used length is 16 digits)
Encoded in Track 1 and Track 2 of the
ATM card
Embossed in front side of the ATM
card

PIN
Acronym for
Personal Identification Number
Acts as Password
Vanilla length is 4 digit

PREFIX
Maximum length is 11 digits
Minimum length is 6 digits
First 11 or 6 digits of the
PAN
Supports Transaction Routing

HSM
Aacronym for Host Security Module
External device connected to
TANDEM
Supports PIN encryption and
decryption
Responsible for PIN verification and
generation
Standard algorithm is DES

OFFSET
Encrypted format of PIN
Stored in CAF file

PAN Standard 16 digit

1 to 6 digits

7 to 10 digits -

11 to 15 digits- Running Serial

16th digit

BIN
Branch code

- Check Digit(Mod10)

ATM V/S CASH

DISPENSER

ATM is a full functional machine. It

has
Cash dispenser as well as Envelope
depositor.
In the case of Cash dispenser, only
cash will dispense to the customer.

ATM Function keys

FDK keys
Encrypted key board
EOP

Card Reader types and

Function.
Types:
MCRW
DIP with Smart card reader.
Functions:
It will read the card data and send
to the PC Core at the ATM.

Depositor

This module is used to deposit the

envelope with cash or cheque in
to the ATM.
Optional module.

Receipt printer

Receipt printer is a consumer

printer used to produce the
receipt for the customer.

Journal Printer

Journal printer also a printer which

is used for Log purpose.
It will print all the events occurred
at the ATM. Example, Taking the
cassette out and Insertion of
cassette etc.
ATM will not work without this
printer.

Currency chest and

lock

Currency chest is nothing but it is a

door for the cash dispenser unit.
This door is used for safety purpose.
It has Lock called Combination lock
(Mechanical or Electronic lock) depends
on the bank requirement.
Dispenser unit will not work without
closing the door with the help of inter
lock unit fixed inside the currency chest.

ATM processor

Intel p-111 ,850 Mhz.

PELE 2 Mother board.
Onboard Ethernet.

TMK keys

Terminal master key is used for

ATM security.
This TMK is normally stored in the
Encrypted key board.

EJ

Expansion of EJ is Electronic Journal.

EJ is used for backup purpose.
If Journal printer fails ATM will not get in
to out of service, simply ATM will store
the events in the EJ. Once journal
printer is up all data in the EJ will print
on the journal printer.
EJ is a file which is stored in the Hard
disk.

TCP/IP connection to
ATM

Network connection to ATM

CANARA BANK v/s ICICI

ATM

About Lobby model ATM in ICICI

bank.
About TTW model ATM in Canara
bank.

ATM in the context of

BASE 24

Load to the ATM.

Stop/Start the ATM.
Audit on the load to ATM.
Audit on Transactions and
monitoring the EMS

ATM PROBLEMS

Problems in Monitor
Problems in Currency Dispenser
Problems in Card Reader
Problems in Envelope Dispenser
Problems in Envelope Depositor
Problems in Journal Printer
Problems in Receipt Printer
Problems in Network with ATM.