Automated teller machine

ATMATMsautomatic teller machineautomatic teller machinesautomated teller machinescash machinecash machinesATM machineABMATM cards
An automated teller machine (ATM) is an electronic telecommunications device that enables customers of financial institutions to perform financial transactions, such as cash withdrawals, deposits, transfer funds, or obtaining account information, at any time and without the need for direct interaction with bank staff.wikipedia
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ATM card

cash cardsbank cardbank cards
On most modern ATMs, customers are identified by inserting a plastic ATM card (or some other acceptable payment card) into the ATM, with authentication being by the customer entering a personal identification number (PIN), which must match the PIN stored in the chip on the card (if the card is so equipped), or in the issuing financial institution's database.
An ATM card is a payment card or dedicated payment card issued by a financial institution which enables a customer to access automated teller machines (ATMs).

ATMIA

ATM Industry Association (ATMIA)
According to the ATM Industry Association (ATMIA), there are now close to 3.5 million ATMs installed worldwide.
The ATM Industry Association (ATMIA), originally the ATM Owners Association, was established in 1997 in the United States as a global nonprofit trade association to service an industry that built around the global growth of the ATM.

IBM

International Business MachinesIBM CorporationInternational Business Machines Corporation
The online version of the Swedish machine is listed to have been operational on 6 May 1968, while claiming to be the first online ATM in the world (ahead of a similar claim by IBM and Lloyds Bank in 1971). Not only did future entrants into the cash dispenser market such as NCR Corporation and IBM licence Goodfellow's PIN system, but a number of later patents reference this patent as "Prior Art Device".
Inventions by IBM include the automated teller machine (ATM), the floppy disk, the hard disk drive, the magnetic stripe card, the relational database, the SQL programming language, the UPC barcode, and dynamic random-access memory (DRAM).

White-label ABMs

white-label ATMs
In Canada, ABMs that are not operated by a financial institution are known as "white-label ABMs".
White-label ABMs provide alternative source of cash dispensing vis-à-vis traditional automatic banking machines (ABMs) from banks.

John Shepherd-Barron

This instance of the invention is credited to the engineering team led by John Shepherd-Barron of printing firm De La Rue, who was awarded an OBE in the 2005 New Year Honours.
John Adrian Shepherd-Barron, OBE (23 June 1925 – 15 May 2010 ) was a British inventor, who led the team that installed the first cash machine, sometimes referred to as the automated teller machine or ATM.

RAS syndrome

redundantlyredundant acronymFest
ATMs are known by a variety of names, including automatic teller machine in the United States (ATM, American, British, Australian, Malaysian, South African, Singaporean, Indian, Maldivian, Hiberno, Philippines and Sri Lankan English), often redundantly ATM machine, automated banking machine (ABM, Canadian English ). Although ABM is used in Canada, ATM is still very commonly used in Canada and many Canadian organization used ATM over ABM.
Two common examples are "PIN number"/ "VIN number" (the "N" in PIN and VIN stands for "number") and "ATM machine" (the "M" in ATM stands for "machine").

NCR Corporation

NCRNational Cash RegisterNational Cash Register Company
Not only did future entrants into the cash dispenser market such as NCR Corporation and IBM licence Goodfellow's PIN system, but a number of later patents reference this patent as "Prior Art Device".
The NCR Corporation (originally National Cash Register) is an American company that makes self-service kiosks, point-of-sale terminals, automated teller machines, check processing systems, barcode scanners, and business consumables.

NatWest

National Westminster BankNatWest BankWestminster Bank
The Barclays–De La Rue machine (called De La Rue Automatic Cash System or DACS) beat the Swedish saving banks' and a company called Metior's machine (a device called Bankomat) by a mere nine days and Westminster Bank's–Smith Industries–Chubb system (called Chubb MD2) by a month.
NatWest is considered one of the Big Four clearing banks in the UK, and it has a large network of over 960 branches and 3,400 cash machines across Great Britain and offers 24-hour Actionline telephone and online banking services.

Barclays

Barclays BankBarclays plcBarclays Bank Plc
It is widely accepted that the first cash machine was put into use by Barclays Bank in its Enfield Town branch in North London, United Kingdom, on 27 June 1967.
In 1967, Barclays deployed the world's first cash dispenser.

Donald Wetzel

After looking firsthand at the experiences in Europe, in 1968 the ATM was pioneered in the U.S. by Donald Wetzel, who was a department head at a company called Docutel.
Donald C. Wetzel (born January 3, 1929) is an American businessman known for holding the USA patent to the automatic teller machine.

Personal identification number

PINPINsPIN code
On most modern ATMs, customers are identified by inserting a plastic ATM card (or some other acceptable payment card) into the ATM, with authentication being by the customer entering a personal identification number (PIN), which must match the PIN stored in the chip on the card (if the card is so equipped), or in the issuing financial institution's database.
The PIN is not printed or embedded on the card but is manually entered by the cardholder during automated teller machine (ATM) and point of sale (POS) transactions (such as those that comply with EMV), and in card not present transactions, such as over the Internet or for phone banking.

IBM 3624

A couple of well known historical models of ATMs include the IBM 3614, IBM 3624 and 473x series, Diebold 10xx and TABS 9000 series, NCR 1780 and earlier NCR 770 series.
The IBM 3624 was a late 1970s second-generation automatic teller machine (ATM), a successor to the IBM 3614.

Interbank network

interbank networksATM networkinterbank
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 accounts or in the countries where their accounts are held (enabling cash withdrawals in local currency).
An interbank network, also known as an ATM consortium or ATM network, is a computer network that enables ATM cards issued by a financial institution that is a member of the network to be used to perform ATM transactions through ATMs that belong to another member of the network.

Lloyds Bank

LloydsLloyds TSBLloyds Bank plc
The IBM 2984 was designed at the request of Lloyds Bank.
Lloyds Bank is the largest retail bank in Britain, and has an extensive network of branches and ATM in England and Wales (as well as an arrangement for its customers to be serviced by Bank of Scotland branches in Scotland, Halifax branches in Northern Ireland and vice versa) and offers 24-hour telephone and online banking services.

NYCE

New York Currency Exchange
Some examples of interbank networks include NYCE, PULSE, PLUS, Cirrus, AFFN, Interac, Interswitch, STAR, LINK, MegaLink, and BancNet.
The New York Currency Exchange (NYCE) is an interbank network connecting the ATMs of various financial institutions in the United States and Canada.

ATM usage fees

convenience feedirect ATM feefees for debit card ATM usage
Many banks charge ATM usage fees.
ATM usage fees are the fees that many banks and interbank networks charge for the use of their automated teller machines (ATMs).

BancNet

Some examples of interbank networks include NYCE, PULSE, PLUS, Cirrus, AFFN, Interac, Interswitch, STAR, LINK, MegaLink, and BancNet.
BancNet (also spelled Bancnet) is a Philippine-based interbank network connecting the ATM networks of local and offshore banks, and the largest interbank network in the Philippines in terms of the number of member banks and annual transactions.

MegaLink

Some examples of interbank networks include NYCE, PULSE, PLUS, Cirrus, AFFN, Interac, Interswitch, STAR, LINK, MegaLink, and BancNet.
MegaLink (also spelled Megalink) is a Philippine-based developer of mobile and banking software as well as a service provider for banks, specifically for ATM networks and point of sale systems of banks in the country.

Interac

Interac OnlineInterac AssociationInterac Corporation
Some examples of interbank networks include NYCE, PULSE, PLUS, Cirrus, AFFN, Interac, Interswitch, STAR, LINK, MegaLink, and BancNet.
There are over 59,000 automated teller machines that can be accessed through the Interac network in Canada, and over 450,000 merchant locations accepting Interac debit payments.

Australian English

EnglishAustralianAustralia
ATMs are known by a variety of names, including automatic teller machine in the United States (ATM, American, British, Australian, Malaysian, South African, Singaporean, Indian, Maldivian, Hiberno, Philippines and Sri Lankan English), often redundantly ATM machine, automated banking machine (ABM, Canadian English ). Although ABM is used in Canada, ATM is still very commonly used in Canada and many Canadian organization used ATM over ABM.
A non-exhaustive selection of common British English terms not commonly used in Australian English include (Australian usage in brackets): artic/articulated lorry (semi-trailer); aubergine (eggplant); bank holiday (public holiday); bedsit (one-bedroom apartment); bin lorry (garbage truck); cagoule (raincoat); candy floss (fairy floss); cash machine (automatic teller machine/ATM); child-minder (babysitter); chivvy (nag); clingfilm (glad wrap/cling wrap); cooker (stove); courgette (zucchini); skive (wag); dungarees (overalls); dustbin (garbage/rubbish bin); dustcart (garbage/rubbish truck); duvet (doona); elastoplast/plaster (band-aid); estate car (station wagon); fairy cake (cupcake/patty cake); free phone (toll-free); football (soccer); full fat milk (full-cream milk); goose bumps (goose pimples); high street (main street); hoover (v - to vacuum); horsebox (horse float); ice lolly (ice block/icy pole); kitchen roll (paper towel); lorry (truck); marrow (squash); nettled (irritated); off-licence (bottle shop); pavement (footpath); potato crisps (potato chips); red/green pepper (capsicum); pilchard (sardine); pillar box (post box); plimsoll (sandshoe); pushchair (pram/stroller); saloon car (sedan); snog (v - kiss); swan (v - to go somewhere in an ostentatious way); sweets (lollies); tangerine (mandarin); utility room (laundry); Wellington boots (gumboots).

LINK (UK)

LINKLINK network
Some examples of interbank networks include NYCE, PULSE, PLUS, Cirrus, AFFN, Interac, Interswitch, STAR, LINK, MegaLink, and BancNet.
LINK is a shared interbank network of cash machines operating in the United Kingdom.

Reg Varney

This machine was inaugurated by English comedy actor Reg Varney.
The world's first voucher-based cash dispensing machine was installed at the Enfield Town branch of Barclays Bank.

List of generic and genericized trademarks

generic trademarkgeneric termtrademark
Cashpoint is still a registered trademark of Lloyds Banking Group in the UK but is often used as a generic trademark to refer to ATMs of all UK banks.

ATM Controller

ATMs typically connect directly to their host or ATM Controller on either ADSL or dial-up modem over a telephone line or directly on a leased line.
An ATM controller (ATMC) is a system used in financial institutions to route financial transactions between ATMs, core banking systems and other banks.

X.25

X25CCITT X.25 recommendationISO/IEC 8208
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.
X.25 networks were popular during the 1980s with telecommunications companies and in financial transaction systems such as automated teller machines.