Self-service banking device
(self-service terminal) is the most general definition of all machines that allow the client to perform various banking operations without the participation of bank employees. Self-service banking devices are classified into two types depending on whether they support a cash dispensing function or not. If the answer is positive, we are talking about ATM (automated teller mashi-nes), or ATMs, with a negative answer - about NCS (non-cash systems), or terminals for non-cash transactions.
ATM is the general name for ATMs for issuing and collecting cash in transactions with plastic cards. In addition, some ATMs can perform a number of additional functions (issue information about the state of the account, make non-cash payments, accept orders for checkbooks, etc.).
There are certain difficulties in the classification of ATMs by functions associated with the possibility of equipping ATMs in the basic configuration with additional software and hardware modules, expanding functionality. However, the following classification can be proposed:
• ATMs for dispensing cash (cash dispensers) - ATMs, in the basic configuration, intended only for dispensing cash;
• full-functional ATMs - ATMs that, in addition to issuing cash, accept deposits, allow the cardholder to receive information about the current state of the account (including a statement on paper), transfer funds from one account to another, etc. . d.
NCS ( non - cashsystems ) - automatic devices that allow the cardholder to receive in self-service mode almost a full range of banking services, with the exception of cash transactions. NCS differ from ATMs by extended keyboard and set of video and audio interface tools.
ATM machines
Banking devices can also be subdivided according to the place of installation - indoors or outdoors - and the method of installation.
However, it is also impossible to draw clear boundaries here, since for the same ATM model, depending on the configuration and the customer's desire, various installation and placement options can be provided.
The number of ATMs installed in the world (excluding Japan)
ATM Manufacturing Companies
The largest ATM manufacturers in the world are such firms as AT&T, Interbold (joint production of IBM and Diebold), ICL-Fujitsu, Siemens Nixdorf, Olivetti, Bull. The data on the ratio of the total number of ATM installations of these companies are shown in Figure 1.
Table 1. Functions of ATMs for dispensing cash related to customer service
Cash dispensing ATMs. Brief description of indoor models
Manufacturing firms: AT&T (NCR 5670, 5674); INTERBOLD (IBM 4781, 4783); ICL / FUJITSU (7015, 7025); SIEMENS NIXDORF (CSC430, ProCosh230); OLIVETTI (CD6300); BULL (BQ1410, BQ1420, Minicosh).
Table 1 shows the functions most typical for this type of bankmate.
Cash dispensing ATMs. Summary of outdoor models
As a rule, these ATMs are equipped with a more advanced security system than those installed in the premises, and special means that ensure the stability of the display, keyboard, card reader to climatic conditions. Functionally, they are no different from indoor models. Outside the premises, ATMs, as a rule, are placed "through the wall", and the documentation for them usually specifies the climatic conditions both for the premises and outside. The compliance of the parameters specified in the documentation (temperature, humidity, permissible temperature difference) with the operational parameters is important for the normal operation of the ATM devices.
Manufacturing firms: AT&T (NCR 5684); INTER-BOLD (IBM 4789); OLIVETTI (CD6810); BULL (HECTOR); ICL-Fujitsu (7045).
Basic ATM modules for cash dispensing
The following functional modules are located in the ATM case:
- a safe with a cash dispenser and cassettes for banknotes located in it, and
- hardware modules of the ATM control system:
- processor unit;
- information input devices - keyboard, card reader;
- information output devices - monitor and printers: magazine, for printing receipts, for printing documents);
- input-output devices (external memory devices) - hard disk and disk drives for working with floppy disks, as well as a card reader and a touch-screen;
- communication equipment;
- power unit.
Control system
To control an ATM, a system unit based on 80386 or 80486 processors is most often used.
Operating system - MS-DOS on CD6300, OS / 2 or MS-DOS ATMs - on CSC430, ProCash230, Minicash, BQ1410, BQ1420, HECTOR, OS / 2 ATMs - on NCR5674, 5670, 5684, IBM 4781, 4783, 4789 ATMs , ICL-Fujitsu 7015, 7025, 7045.
RAM capacity - from 4 to 16 MB in ATMs CSC430, ProCash 230, 4 MB - in CD6300, from 2 to 16 MB - in NCR5674, 5684, from 8 to 16 MB 1 - in IBM 4781, 4783, 4789, from 4 to 8 MB - in BQ1410, 1420, Hector, 8 MB - in Minicash, 4 MB (expandable up to 36) - in Id-Fujitsu 7015, 7025, 7045.
Information input devices
The keyboard for entering information consists of at least the numeric keys 0-9 and the cancel key - a total of 11 keys 2 .
The function keyboard is used to switch between the various functions of the ATM.
Table 2. Functions of ATMs for dispensing cash related to customer service
Typically consists of 8 keys, four on each side of the monitor 3 .
The keypad in ATMs located outdoors is fundamentally no different from the keypads of ATMs installed indoors. Usually it is performed on the basis of robust key assemblies of increased reliability (keys can be made, for example, of stainless steel) or a membrane keypad, which provides protection against adverse climatic conditions and vandalism.
The device for reading-writing information (card reader} is usually equipped with a special shutter,
1 If the processor is 386; if the 486 processor is installed, the amount of RAM is from 16 to 64 MB.
2 The number of keys can be increased to 1 by 6 keys' space ',' period '(or' comma '),' edit ',' replace 'and' enter *.
3 The ATM is equipped with a touch screen.
Table 3. Keypad in indoor cash dispensers
Table 4. Keypad in ATMs for cash dispensing, installed outdoors
preventing burglary and ingress of foreign objects into the ATM.
According to the method of installing the card in the receiving window, card readers are divided into several types:
• swipe - reading of information from the magnetic stripe is carried out by swiping the card along the receiving window, while the card does not leave the user's hand. On the one hand, the card cannot be forgotten at the ATM, on the other hand, it is impossible to confiscate counterfeit and expired cards;
• m otarised - when installed in the receiving window , the card is pulled into the ATM and transported to the heads of the card reader. This type of device can support the functions of retrieving forgotten or counterfeit cards 4 and returning the card when the power supply is cut off 5 ;
• dip- the card, when inserted into the receiving window, is not completely drawn in, but is positioned in such a way that a part of it remains outside and the card holder can remove it at any time. ATMs equipped with dip-card readers can be programmed to obligatory withdrawal of the card immediately after reading the information (the operation of the ATM is suspended until the customer withdraws the card). In this case, there is practically no problem of returning forgotten cards.
Most ATMs are equipped with magnetic stripe card-oriented devices. Reading and writing are carried out in accordance with the ISO7811 standard (the second track is used to read information,
Table 5. Devices for reading-writing information in ATMs for cash dispensing, installed indoors
lThrough the mechanism of withdrawing cards (Card-capture mecanism.)
5 CROPF - card return on power fail; the card can also be returned by typing the appropriate command on the keyboard (for example, canceling a transaction).
Table 6. Magnetic tracks for read-write
Table 7. Devices for reading-writing information in ATMs for cash dispensing, outdoor
Table 8. Magnetic tracks for read-write
the first and third tracks - if desired, you can record on the third track).
Card withdrawal device. Consists of a gripping mechanism and a special container for seized cards. All ATM models under consideration are equipped with a card withdrawal device.
ICL-Fujitsu 7015,7025,7045 ATMs are equipped with a tray or lockable container for storing up to 30 captured cards NCR5670, 5674, 5684 ATMs can accommodate two types of containers for storing up to 30 cards: open and sealed (or with a small padlock) ... In the models IBM4781, 4783, 4789, the capacity of a standard cassette is 30 cards; a secure cassette for 50 cards or a special container with a capacity of up to 200 cards can be installed.
Information output devices
Display. In ATMs, both cathode ray tubes (color and monochrome) and liquid crystal displays are installed.
Outdoor ATMs are often equipped with special means to ensure resistance to climatic conditions of the display, keyboard, card reader. In particular, the Hector and CD6810 6 ATMs can be color-coded.
10-inch VGA anti-glare graphic monitor. The NCR5684, ICL-Fujitsu7045 has a 10 "high resolution color or monochrome VGA display with automatic brightness control. The IBM4789 ATM is equipped with a 9-inch VGA color display.
Receipt printer (receiptprinter). (See Table 10)
Journal printer. Used to maintain an internal ATM transaction log. The journal printer is not included in the basic configuration of CSC430, ProCash230, CD6300 ATMs, but banks, as a rule, insist on its installation. The construction of a journal printer is similar to that of a receipt printer.
On IBM4783 ATMs, the journal printer has the same features as the receipt printer 7 . NCR 5674 and 5670 ATMs use a dot matrix printer or a thermal printer as a journal printer, respectively, printing 40 characters per line and up to 5 lines per transaction.
6 CD6810 can also be equipped with a monochrome VGA 10-inch display.
7 The printing device can be installed up to 600 m from the ATM.
Table 9. Displays in indoor cash dispensers
Table 10. Characteristics of receipt printers built into ATMs for indoor installations
Table 11. Characteristics of receipt printers (outdoor ATMs)
In this case, 1 roll of paper is consumed for 5000 transactions. ICL-Fujitsu ATMs incorporate a 9-pin dot matrix printer with a printable area of 40 characters per line and a print speed of 2.3 lines per second. In the BQ1410, 1420 models, the journal printer resembles a receipt printer in its characteristics, with 1 roll of paper consumed for 2,100 transactions with 5 lines per transaction. Minicash uses an inkjet printer that prints 18 characters per line. Roll capacity - 2000 transactions (5 lines per transaction).
The Hector ATM has a built-in journal printer, similar to the printers in the BQ1410, 1420, 3410, and the CD6810 ATM - similar to the receipt printer. On the IBM4789, the journal printer is optional and is almost identical to the receipt printer on the IBM4783.
Savings / checkbook printer and account statement printer. The CSC430 can optionally install
either one or the other. The NCR5674 model, instead of the usually installed narrow receipt printer, is sometimes equipped with a wide printer, which, in addition to printing receipts, can print mini-statements 60 characters wide and up to 20 lines long. Its other characteristics are the same as for a receipt printer.
Input-output devices
HDD. The volume of the hard disk varies from 40 MB in the CD6300 model (in the absence of a hard disk, floppy disks can be used here) to 170 and more MB - in the CSC430, Pro-Cash230, Minicash ATMs. The IBM 4781, 4783, 4789 ATMs have a 170 or 340 MB hard drive. Models NCR5674, 5684 have a hard disk capacity of 210 MB (there is a possibility of installing another hard disk). ICL-Fujitsu 7015, 7025, 7045 ATMs have a 210 MB hard disk 8 , CD6810 - from 1 70 to 540 MB.
8 At the request of the customer, a larger hard disk can be installed.
Disk drives for working with floppy disks. They are used to install the operating system, if necessary, to download new versions of application programs or graphic images. Floppy drives are used to work with 3.5 * or 5.25 "floppy disks.
A cash dispenser (cash - dispenser)
The cash dispenser is the "heart" of any ATM. Its most important components are the feeder unit and cassettes for banknotes. The feeder unit must take the amount requested by the customer from the cassettes and dispense it through a special slot. Naturally, special requirements are imposed on the accuracy and reliability of this mechanism .Bills should not wrinkle, get stuck, etc. It is unacceptable to capture two or more bills at once.Therefore, the mechanism is adjusted to the format of bills, thickness and properties of the paper.
The most common are friction feed units. ATMs of BULL ', Olivetti firms are equipped with friction mechanisms of De La Rue firms, ATMs of Interbold, ICL / Fujitsu and Siemens Nixdorf - with their own friction mechanisms.
NCR ATMs are equipped with a vacuum feed unit. It is based on a vacuum banknote selection system and an electromechanical control system. Electromechanical control is carried out using a built-in sensor device. When the bill is fed, it passes between the fixed and movable rollers, which causes the movable roller to move. This movement is recorded by a sensor device, digitized and transmitted for comparison with the expected value (for
specific type of currency), which is stored in the non-volatile memory of the system unit.
ATMs can be installed from 1 to 6 cassettes. Each cassette contains banknotes of the same denomination. The cassette is a plastic or metal container with a mechanical, electrical or electromechanical lock. Brief technical characteristics of cash dispensers are given in tables 12 and 13.
Device for returning unselected "banknotes
In addition to the selection mechanism and cassettes for banknotes, ATMs usually provide a device for returning inside the ATM banknotes not seized by the client or rejected by the selection mechanism and a special cassette for their accumulation. The peculiarity of the cassette for the return of banknotes in ATMs CSC430, ProCash230 is the presence in it of two compartments: for "forgotten" (not seized by the card holder) and for rejected by the selection unit of banknotes. The capacity of the cassette is approximately 400 unselected and 100 rejected notes. The cassette can be equipped with a lock. NCR5670, 5674 ATMs provide the ability to accumulate notes not withdrawn by the customer or rejected by the selection mechanism in a special container, which can be either open or lockable. On IBM 4781, 4783 ATMs, the reject cassette has the same characteristics as as the main cassettes for cash dispensing, but in a smaller size. The lower capacity of the cassette is associated with the technological features of the friction mechanism of the company IBM - MMD (multi-media dispenser).
Table 12. Brief technical characteristics of cash dispensers in ATMs of various manufacturers
Table 13. Number of cassettes for cash dispensing in indoor ATMs
Table 14. Number of cassettes for cash dispensing at ATMs for outdoor installation
9 The original combined friction-vacuum dispenser is installed in the Minicash ATM .
When selecting notes from the cassette, their thickness is controlled; if it does not coincide with the setting value, it is considered that several sticky notes have been seized, and the mechanism attempts to separate them by lightly shaking them from side to side. If this succeeds, then the banknotes are counted and joined to the general stack of selected ones and the selection continues. If not, the bill is sent to the cassette for rejected banknotes (divert-cassette) 10 . Thus, the MMD replaces only one "suspect" note, rather than the entire rejected stack, so the reject cassette fills up more slowly.
At Minicash ATMs, a special compartment where rejected or unsecured banknotes are received is also located in the banknote cassette itself. In ICL-Fujitsu ATMs, the upper cassette also has a special compartment where rejected and unselected bills are received. The capacity of the compartment is approximately 150 notes.
Safe construction
The ATM compartment, which houses the cassettes and the cash dispenser, usually has additional protection: thick metal walls, a door with a special lock, etc. Requirements for the safe compartment in some countries are determined by national standards (UL291, RAL / RG 626/3 (GI and Gil), ANIA, C1 / C2 "). In the world, the most common standards are UL291, RAL / RG 626/3. ATMs, depending on the installation option, operating mode, etc., can be completed with various safes (see tables 15 and 17).
When choosing ATMs, not the last place is occupied by the issues of their optimal installation, ease of use and service.
Installation. Indoor ATMs can be installed free-standing, against the wall, through the wall, throug the partition, partially embedded in a wall or placed in a niche (in alcoves). Small models are often mounted on a pedestal. Compact, small-sized ATMs can be hung on a wall or even installed on a table (on account).
The most secure option is through a wall (or through an internal partition). At the same time, in the area accessible to customers and unauthorized persons, only the front panel of the ATM with a screen, a keyboard, a card reader's receiving window and a cash dispensing window is located. Access to the control and adjustment unit, as well as to cassettes with banknotes is possible only from the secure room, into which the rear wall of the ATM opens.
Table 15. Some Physical Specifications for Indoor ATMs
(self-service terminal) is the most general definition of all machines that allow the client to perform various banking operations without the participation of bank employees. Self-service banking devices are classified into two types depending on whether they support a cash dispensing function or not. If the answer is positive, we are talking about ATM (automated teller mashi-nes), or ATMs, with a negative answer - about NCS (non-cash systems), or terminals for non-cash transactions.
ATM is the general name for ATMs for issuing and collecting cash in transactions with plastic cards. In addition, some ATMs can perform a number of additional functions (issue information about the state of the account, make non-cash payments, accept orders for checkbooks, etc.).
There are certain difficulties in the classification of ATMs by functions associated with the possibility of equipping ATMs in the basic configuration with additional software and hardware modules, expanding functionality. However, the following classification can be proposed:
• ATMs for dispensing cash (cash dispensers) - ATMs, in the basic configuration, intended only for dispensing cash;
• full-functional ATMs - ATMs that, in addition to issuing cash, accept deposits, allow the cardholder to receive information about the current state of the account (including a statement on paper), transfer funds from one account to another, etc. . d.
NCS ( non - cashsystems ) - automatic devices that allow the cardholder to receive in self-service mode almost a full range of banking services, with the exception of cash transactions. NCS differ from ATMs by extended keyboard and set of video and audio interface tools.
ATM machines
Banking devices can also be subdivided according to the place of installation - indoors or outdoors - and the method of installation.
However, it is also impossible to draw clear boundaries here, since for the same ATM model, depending on the configuration and the customer's desire, various installation and placement options can be provided.
The number of ATMs installed in the world (excluding Japan)
ATM Manufacturing Companies
The largest ATM manufacturers in the world are such firms as AT&T, Interbold (joint production of IBM and Diebold), ICL-Fujitsu, Siemens Nixdorf, Olivetti, Bull. The data on the ratio of the total number of ATM installations of these companies are shown in Figure 1.
Table 1. Functions of ATMs for dispensing cash related to customer service
| ATM model | CSC 430 | ProCash 230 | CD6300 | NCR5674 / 5670 | IBM4781 | IBM4783 | ICL-Fujitsu | BQ1410 | BQ1420 | Minicash |
| Issuance of banknotes | + | + | + | + | + | + | + | + | + | + |
| Print receipts * | + | + | ** | + | + | -t- | + | ** | ** | + |
| Print account statements * | ** | - | - | + | - | ** | ** | - | - | - |
| Document printing * | ** | - | - | - | - | ** | - | - | - | - |
| * - functions optional for this type of ATM + - supported in the basic configuration. • - • • -— - none ** - functions that can be added at the request of the customer |
Cash dispensing ATMs. Brief description of indoor models
Manufacturing firms: AT&T (NCR 5670, 5674); INTERBOLD (IBM 4781, 4783); ICL / FUJITSU (7015, 7025); SIEMENS NIXDORF (CSC430, ProCosh230); OLIVETTI (CD6300); BULL (BQ1410, BQ1420, Minicosh).
Table 1 shows the functions most typical for this type of bankmate.
Cash dispensing ATMs. Summary of outdoor models
As a rule, these ATMs are equipped with a more advanced security system than those installed in the premises, and special means that ensure the stability of the display, keyboard, card reader to climatic conditions. Functionally, they are no different from indoor models. Outside the premises, ATMs, as a rule, are placed "through the wall", and the documentation for them usually specifies the climatic conditions both for the premises and outside. The compliance of the parameters specified in the documentation (temperature, humidity, permissible temperature difference) with the operational parameters is important for the normal operation of the ATM devices.
Manufacturing firms: AT&T (NCR 5684); INTER-BOLD (IBM 4789); OLIVETTI (CD6810); BULL (HECTOR); ICL-Fujitsu (7045).
Basic ATM modules for cash dispensing
The following functional modules are located in the ATM case:
- a safe with a cash dispenser and cassettes for banknotes located in it, and
- hardware modules of the ATM control system:
- processor unit;
- information input devices - keyboard, card reader;
- information output devices - monitor and printers: magazine, for printing receipts, for printing documents);
- input-output devices (external memory devices) - hard disk and disk drives for working with floppy disks, as well as a card reader and a touch-screen;
- communication equipment;
- power unit.
Control system
To control an ATM, a system unit based on 80386 or 80486 processors is most often used.
Operating system - MS-DOS on CD6300, OS / 2 or MS-DOS ATMs - on CSC430, ProCash230, Minicash, BQ1410, BQ1420, HECTOR, OS / 2 ATMs - on NCR5674, 5670, 5684, IBM 4781, 4783, 4789 ATMs , ICL-Fujitsu 7015, 7025, 7045.
RAM capacity - from 4 to 16 MB in ATMs CSC430, ProCash 230, 4 MB - in CD6300, from 2 to 16 MB - in NCR5674, 5684, from 8 to 16 MB 1 - in IBM 4781, 4783, 4789, from 4 to 8 MB - in BQ1410, 1420, Hector, 8 MB - in Minicash, 4 MB (expandable up to 36) - in Id-Fujitsu 7015, 7025, 7045.
Information input devices
The keyboard for entering information consists of at least the numeric keys 0-9 and the cancel key - a total of 11 keys 2 .
The function keyboard is used to switch between the various functions of the ATM.
Table 2. Functions of ATMs for dispensing cash related to customer service
| ATM model | IBM 4789 | NCR 5684 | CD 6810 | HECTOR | ICL-Fujitsu 7045 |
| Issuance of banknotes | + | + | + | + | + |
| Print receipts * | + | + | + | + | + |
| Print account statements * | - • | + | ** | - • | ** |
| Document printing * | - | - | - | - | ** |
- - absent ** - functions that can be added at the request of the customer |
The keypad in ATMs located outdoors is fundamentally no different from the keypads of ATMs installed indoors. Usually it is performed on the basis of robust key assemblies of increased reliability (keys can be made, for example, of stainless steel) or a membrane keypad, which provides protection against adverse climatic conditions and vandalism.
The device for reading-writing information (card reader} is usually equipped with a special shutter,
1 If the processor is 386; if the 486 processor is installed, the amount of RAM is from 16 to 64 MB.
2 The number of keys can be increased to 1 by 6 keys' space ',' period '(or' comma '),' edit ',' replace 'and' enter *.
3 The ATM is equipped with a touch screen.
Table 3. Keypad in indoor cash dispensers
| ATM model | CSC430 | ProCash2 | CD6300 | NCR5674 | IBM4781 | IBM4783 | ICL-Fujitsu | BQ1410 | BQ1420 | Minicash |
| Keyboard for entering information. Number of keys | fourteen | fourteen | 15 | 14/15/16 | 11/16 | 11/16 | fourteen | 15 | 16 | 16 |
| Functional keyboard. Number of keys | 2 × 4 | 2 × 4 | 2 × 4 | 2 × 4 | 2 × 4 | 2 × 4 | 2 × 4 | 2 × 4 | 2 × 4 | 2 × 4 |
Table 4. Keypad in ATMs for cash dispensing, installed outdoors
| ATM model | IBM4789 | NCR5684 | CD6810 | HECTOR | ICL-Fujitsu 7045 |
| Keyboard for entering information. Number of keys | 11/16 | 14/15/16 | 16 | 16 | fourteen |
| Functional keyboard. Number of keys | 2 × 4 | 2 × 4 | 2 × 4 | 2 × 4 | 2 × 4 |
According to the method of installing the card in the receiving window, card readers are divided into several types:
• swipe - reading of information from the magnetic stripe is carried out by swiping the card along the receiving window, while the card does not leave the user's hand. On the one hand, the card cannot be forgotten at the ATM, on the other hand, it is impossible to confiscate counterfeit and expired cards;
• m otarised - when installed in the receiving window , the card is pulled into the ATM and transported to the heads of the card reader. This type of device can support the functions of retrieving forgotten or counterfeit cards 4 and returning the card when the power supply is cut off 5 ;
• dip- the card, when inserted into the receiving window, is not completely drawn in, but is positioned in such a way that a part of it remains outside and the card holder can remove it at any time. ATMs equipped with dip-card readers can be programmed to obligatory withdrawal of the card immediately after reading the information (the operation of the ATM is suspended until the customer withdraws the card). In this case, there is practically no problem of returning forgotten cards.
Most ATMs are equipped with magnetic stripe card-oriented devices. Reading and writing are carried out in accordance with the ISO7811 standard (the second track is used to read information,
Table 5. Devices for reading-writing information in ATMs for cash dispensing, installed indoors
| ATM model | CSC430 | ProCash2 | CD6300 | NCR5674 | IBM4781 | IBM4783 | ICL-Fujitsu | BQ1410 | BQ1420 | Minicash |
| Swipe | - | - | - | * | * | - | * | - | - | - |
| Motorised | + | + | + | + | + | + | + | + | + | |
| Dip | * | * | # | - | - | - | - | - | - | |
| For magnetic stripe cards and microprocessor cards | + | + | * | * | * | # | ||||
| Separately for microprocessor cards | ||||||||||
| + - installed in the basic configuration - - absent * - installed at the request of the customer |
5 CROPF - card return on power fail; the card can also be returned by typing the appropriate command on the keyboard (for example, canceling a transaction).
Table 6. Magnetic tracks for read-write
| Reading from track 2 | Reading from tracks 1,2 | Reading from track 2,3 and writing to track 3 | Reading from tracks 1, 2,3 and writing to track 3 | |
| ATM model | NCR5674, Id-Fujitsu 7015, 7025, Minicash, IBM4783, IBM4781 | CD6300, NCR5674, ICl-Fujitsu 7015, 7025 | CSC430, ProCash | CSC430, ProCash, CD6300, NCR5674, BQ1410, BQ1420, Minicash, ICL-Fujitsu 7015, 7025, IBM4783, IBM4781 |
Table 7. Devices for reading-writing information in ATMs for cash dispensing, outdoor
| ATM models | IBM4789 | NCR5684 | CD6810 | HECTOR | ICL-Fujitsu 7045 |
| Dip | - | - | - | - | - |
| Swipe | - | - | - | - | * |
| Motorised | + | + | + | + | + |
| For magnetic stripe cards and microprocessor cards | * | * | + | * | |
| Separately for microprocessor cards | + | ||||
| + - installed in the basic configuration - - absent * - installed at the request of the customer |
Table 8. Magnetic tracks for read-write
| Reading from track 2 | Reading from tracks 1, 2 | Reading from track 2,3 and writing to track 3 | Reading from tracks 1,2,3 and writing to track 3 | |
| ATM model | IBM4789, NCR5684, ICL-Fujitsu7045 | CD6810, IBM4789, HECTOR, NCR5684, ICL-Fujitsu7045 |
Card withdrawal device. Consists of a gripping mechanism and a special container for seized cards. All ATM models under consideration are equipped with a card withdrawal device.
ICL-Fujitsu 7015,7025,7045 ATMs are equipped with a tray or lockable container for storing up to 30 captured cards NCR5670, 5674, 5684 ATMs can accommodate two types of containers for storing up to 30 cards: open and sealed (or with a small padlock) ... In the models IBM4781, 4783, 4789, the capacity of a standard cassette is 30 cards; a secure cassette for 50 cards or a special container with a capacity of up to 200 cards can be installed.
Information output devices
Display. In ATMs, both cathode ray tubes (color and monochrome) and liquid crystal displays are installed.
Outdoor ATMs are often equipped with special means to ensure resistance to climatic conditions of the display, keyboard, card reader. In particular, the Hector and CD6810 6 ATMs can be color-coded.
10-inch VGA anti-glare graphic monitor. The NCR5684, ICL-Fujitsu7045 has a 10 "high resolution color or monochrome VGA display with automatic brightness control. The IBM4789 ATM is equipped with a 9-inch VGA color display.
Receipt printer (receiptprinter). (See Table 10)
Journal printer. Used to maintain an internal ATM transaction log. The journal printer is not included in the basic configuration of CSC430, ProCash230, CD6300 ATMs, but banks, as a rule, insist on its installation. The construction of a journal printer is similar to that of a receipt printer.
On IBM4783 ATMs, the journal printer has the same features as the receipt printer 7 . NCR 5674 and 5670 ATMs use a dot matrix printer or a thermal printer as a journal printer, respectively, printing 40 characters per line and up to 5 lines per transaction.
6 CD6810 can also be equipped with a monochrome VGA 10-inch display.
7 The printing device can be installed up to 600 m from the ATM.
Table 9. Displays in indoor cash dispensers
| Model | CSC430 | ProCash | CD6300 | NCR567 | IBM4781 | IBM4783 | ICL-Fujits | ICL-Fujits | BQ1410 | BQ1420 | Minicash |
| ATM | |||||||||||
| Monitor type | VGA | VGA | VGA | VGA | VGA | VGA | VGA | VGA | VGA | VGA | VGA |
| Size by | |||||||||||
| diagonals, | |||||||||||
| inches: | |||||||||||
| - monochrome | nine | nine | nine | 12 | 7 | - | nine | nine | _ | _ | 6 |
| - colored | ten | ten | ten | ten | 7 | nine | ten | 8,10,14 | ten | ten |
Table 10. Characteristics of receipt printers built into ATMs for indoor installations
| ATM model | IBM4781, 4783 | CD6300, BQ1410, 1420 | Minicash | NCR5674 / 5670 | ICL-Fujitsu 7015/7025 |
| Number of characters per line | 40 | 40 | 18/40 | 40 | 40 |
| Print speed, lines / s | 3 | 3 | * | 3 | 3 |
| Receipt length | 76/152 mm | 12 lines | 12 lines | 108 mm | 112 mm |
| Paper stock (number of receipts) | 5000/2500 | 2100 | 800 | 5000 | 5000 |
| * - information is absent |
Table 11. Characteristics of receipt printers (outdoor ATMs)
| Specifications | IBM4789 | CD6810 | Hector | NCR5684 | ICL-Fujitsu 7045 |
| printers for printing | |||||
| receipts | |||||
| Number of characters in, | 40 | 40 | 40 | 40 | 40 |
| line | |||||
| Print speed, lines / s | 3 | 3 | 3 | 3 | 3 |
| Receipt length | 152 mm | 12-66 lines | 12-40 lines | 112 mm | 1 1 2 mm |
| Paper stock | 2500 | 5800 | 5000 | 5000 | 5000 |
| (number of receipts) |
The Hector ATM has a built-in journal printer, similar to the printers in the BQ1410, 1420, 3410, and the CD6810 ATM - similar to the receipt printer. On the IBM4789, the journal printer is optional and is almost identical to the receipt printer on the IBM4783.
Savings / checkbook printer and account statement printer. The CSC430 can optionally install
either one or the other. The NCR5674 model, instead of the usually installed narrow receipt printer, is sometimes equipped with a wide printer, which, in addition to printing receipts, can print mini-statements 60 characters wide and up to 20 lines long. Its other characteristics are the same as for a receipt printer.
Input-output devices
HDD. The volume of the hard disk varies from 40 MB in the CD6300 model (in the absence of a hard disk, floppy disks can be used here) to 170 and more MB - in the CSC430, Pro-Cash230, Minicash ATMs. The IBM 4781, 4783, 4789 ATMs have a 170 or 340 MB hard drive. Models NCR5674, 5684 have a hard disk capacity of 210 MB (there is a possibility of installing another hard disk). ICL-Fujitsu 7015, 7025, 7045 ATMs have a 210 MB hard disk 8 , CD6810 - from 1 70 to 540 MB.
8 At the request of the customer, a larger hard disk can be installed.
Disk drives for working with floppy disks. They are used to install the operating system, if necessary, to download new versions of application programs or graphic images. Floppy drives are used to work with 3.5 * or 5.25 "floppy disks.
A cash dispenser (cash - dispenser)
The cash dispenser is the "heart" of any ATM. Its most important components are the feeder unit and cassettes for banknotes. The feeder unit must take the amount requested by the customer from the cassettes and dispense it through a special slot. Naturally, special requirements are imposed on the accuracy and reliability of this mechanism .Bills should not wrinkle, get stuck, etc. It is unacceptable to capture two or more bills at once.Therefore, the mechanism is adjusted to the format of bills, thickness and properties of the paper.
The most common are friction feed units. ATMs of BULL ', Olivetti firms are equipped with friction mechanisms of De La Rue firms, ATMs of Interbold, ICL / Fujitsu and Siemens Nixdorf - with their own friction mechanisms.
NCR ATMs are equipped with a vacuum feed unit. It is based on a vacuum banknote selection system and an electromechanical control system. Electromechanical control is carried out using a built-in sensor device. When the bill is fed, it passes between the fixed and movable rollers, which causes the movable roller to move. This movement is recorded by a sensor device, digitized and transmitted for comparison with the expected value (for
specific type of currency), which is stored in the non-volatile memory of the system unit.
ATMs can be installed from 1 to 6 cassettes. Each cassette contains banknotes of the same denomination. The cassette is a plastic or metal container with a mechanical, electrical or electromechanical lock. Brief technical characteristics of cash dispensers are given in tables 12 and 13.
Device for returning unselected "banknotes
In addition to the selection mechanism and cassettes for banknotes, ATMs usually provide a device for returning inside the ATM banknotes not seized by the client or rejected by the selection mechanism and a special cassette for their accumulation. The peculiarity of the cassette for the return of banknotes in ATMs CSC430, ProCash230 is the presence in it of two compartments: for "forgotten" (not seized by the card holder) and for rejected by the selection unit of banknotes. The capacity of the cassette is approximately 400 unselected and 100 rejected notes. The cassette can be equipped with a lock. NCR5670, 5674 ATMs provide the ability to accumulate notes not withdrawn by the customer or rejected by the selection mechanism in a special container, which can be either open or lockable. On IBM 4781, 4783 ATMs, the reject cassette has the same characteristics as as the main cassettes for cash dispensing, but in a smaller size. The lower capacity of the cassette is associated with the technological features of the friction mechanism of the company IBM - MMD (multi-media dispenser).
Table 12. Brief technical characteristics of cash dispensers in ATMs of various manufacturers
| Company manufacturer | Siemens Nixdorf | DE LA Rue | NCR (AT&T) | IBM | ICL-Fujitsu | M'micash |
| Banknote size, mm: - width - length | 60-100 110-220 | 55-97 110-181 | 65-95 120-179 | 45-95 85-182 | ? | ? |
| Number of banknotes in a bundle (max.) | 40 | 40 | 40 | 50 | 40 | thirty |
| Cassette capacity, mm | 310 | 230/340 | 295 | 340 | 1 52/304 | 160 |
| Sampling speed, pcs / s | 10-12 | 15 | 6 | 6 | 7 | 7 |
| ? - information is absent |
Table 13. Number of cassettes for cash dispensing in indoor ATMs
| ATM model | CSC-430 | ProCash 230 | CD6300 | NCR 5674/567 | IBM4781 | IBM4783 | ICL-Fujitsu | BQ1410 | BQ1420 | Minicash |
| Number of cassettes | 1-4 | 1-2 | 1-2 | 1-4 | 1-2 | 1-4 | 2-4 | 1-2 | 1-2 | 1 |
Table 14. Number of cassettes for cash dispensing at ATMs for outdoor installation
| ATM model | IBM4789 | NCR5684 | ICL-Fujitsu7045 | CD6810 | Hector |
| Number of cassettes | 1-4 | 1-4 | 2-4 | 1-4 | 1-4 |
When selecting notes from the cassette, their thickness is controlled; if it does not coincide with the setting value, it is considered that several sticky notes have been seized, and the mechanism attempts to separate them by lightly shaking them from side to side. If this succeeds, then the banknotes are counted and joined to the general stack of selected ones and the selection continues. If not, the bill is sent to the cassette for rejected banknotes (divert-cassette) 10 . Thus, the MMD replaces only one "suspect" note, rather than the entire rejected stack, so the reject cassette fills up more slowly.
At Minicash ATMs, a special compartment where rejected or unsecured banknotes are received is also located in the banknote cassette itself. In ICL-Fujitsu ATMs, the upper cassette also has a special compartment where rejected and unselected bills are received. The capacity of the compartment is approximately 150 notes.
Safe construction
The ATM compartment, which houses the cassettes and the cash dispenser, usually has additional protection: thick metal walls, a door with a special lock, etc. Requirements for the safe compartment in some countries are determined by national standards (UL291, RAL / RG 626/3 (GI and Gil), ANIA, C1 / C2 "). In the world, the most common standards are UL291, RAL / RG 626/3. ATMs, depending on the installation option, operating mode, etc., can be completed with various safes (see tables 15 and 17).
When choosing ATMs, not the last place is occupied by the issues of their optimal installation, ease of use and service.
Installation. Indoor ATMs can be installed free-standing, against the wall, through the wall, throug the partition, partially embedded in a wall or placed in a niche (in alcoves). Small models are often mounted on a pedestal. Compact, small-sized ATMs can be hung on a wall or even installed on a table (on account).
The most secure option is through a wall (or through an internal partition). At the same time, in the area accessible to customers and unauthorized persons, only the front panel of the ATM with a screen, a keyboard, a card reader's receiving window and a cash dispensing window is located. Access to the control and adjustment unit, as well as to cassettes with banknotes is possible only from the secure room, into which the rear wall of the ATM opens.
Table 15. Some Physical Specifications for Indoor ATMs
| ATM model | CSC430 | ProCash | CD6300 | NCR567 | NCR567 | IBM4781 | IBM4783 | Fujitsu70 | BQ1410 | BQ1420 | Minicash |
| Height, width, depth, mm * | 1700 x 699 x 870 | 1402 x 698 x 880 | 1420 x 550 x 600 | 1466 x 610x 952 or 1652 x 610x 950 | 1385 x 470 x 850 | 1060 x 470 x 600 | 1357 x 470 x 859 (896) | 1400 x 559 x 866 | 1420 x 650 x 630 | 1510 x 650 x 630 | 480 x 400 x 410 |
| Weight, kg: | |||||||||||
| - reinforced box | - | - | 180 | - | - | " | - | 215 | 230 | 70 | |
| - UL291 | 730 | 530 | 480 | 638 | 486 | 322 | 430 | 530 |
