TVET PROGRAM TITLE: Accounts and Budget support Level III

MODULE TITLE: Maintaining Automatic Teller Machine (ATM) Services

MODULE CODE:BUF ACB3MO 16 0818

NOMINAL DURATION: 65 hrs

MODULE DESCRIPTION:

This module describes the performance outcomes, skills and knowledge required to stock, regularly service, maintain sec

Information sheet 1
ATMs are restocked and serviced in accordance with correct
1.1.1Introduction

procedure and key information displayed at machine is verified to ensure is current and
legible
ATMs are known by various other names including ATM machine, automated banking machine
and various regional variants derived from trademarks on ATM systems held by particular
banks. An automated teller machine (ATM) automated banking machine (ABM) ,cash
machine, cash point, cash line or hole in the wall),
ATM is an electronic telecommunications device that enables the clients of a financial
institution to perform financial transactions without the need for a cashier, human clerk or bank
teller. 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 personal identification number (PIN)
What Are the Functions of ATM Machines?
Makecash withdrawals, debit card cash advances, and check their account balances as well as
purchase pre-paid mobile phone credit. Official exchange rates
Part 1 Starting the Process
1.

1 Practice basic safety procedures. People using ATMs will occasionally be targets of
robberies and other crimes, so you'll want to be sure to be safe. First, make sure that the
area is well lit and you are alone. Be on your guard if other people show up. Stand so
that your screen and key presses are masked. Only use ATMs during the day in well
trafficked areas, if possible.
2

Insert your debit card into the ATM. Mobile banking cards comes in two varieties — debit
cards and credit cards. Debit cards are most frequently used in ATMs; they're linked to the exact
amount you have in your bank account. Credit cards can be used in some cases, but fees and
interest rates usually make them expensive to use. Insert your card into the card slot, facing in
the direction indicated by the image on the machine.
 Particular machines may have a special fee (usually when in a tourist area)
which should be labeled on the machine.
 If you travel out of the country, there may be additional fees associated with the
distance or currency change.
Try to use ATMs and debit cards that are issued by the same bank.
3 Select your language. Most ATMs will offer transactions in several different languages,
usually at least three or more dependent on where you live. Where in the process you change
the language can depend on the machine, but it is usually directly after inserting your card.
4 Enter your PIN when prompted. "PIN" stands for "personal identification number," and it's a
four-digit password people use to access their bank account. Enter your PIN number when
asked to by the machine, making sure to shield the pad with your hand so that nearby onlookers
can't see it. You should also watch out for cameras that are placed on the ATM itself, as these
can be placed by criminals in order to steal your card information.
Part 2 Completing Transactions
1

1Withdraw money: You can withdraw money for almost any ATM, regardless of the
 associated bank (though this may incur fees). You will usually have two withdrawal
options:
 Fast cash - which allows you to quickly withdraw a set amount as labeled on the machine.
This is usually $40, $50, or $60.
 Targeted withdrawal - which allows you to specify how much you want to withdraw by typing
in the amount.
 Be careful of your limits. Most ATMs and banks limit how much you can withdraw from an
ATM in a given day. The limit varies widely based on your bank and your account type, but
limits between $300-$1000 are common.
 2 Deposit money. You can deposit money as well, as long as you are using an ATM
associated with your bank. You should be presented with the choice of what account you
want the money deposited in to. The funds may not be immediately available, or only
some of them may be immediately available. There are two ways that you can deposit
money:
 Deposit cash. This is usually fed into the machine, though sometimes a deposit envelope
may be required. If you are using a modern ATM, you should be able to insert a stack of
bills, often between 30-50 bills at a time, and the machine will count them up automatically.
 Deposit checks. Older machines may require that you use a deposit slip in order to deposit a
check, but for most modern machines you can simply feed the check into the ATM. The
ATM will provide you with specific instructions and a deposit envelope if you don't have one.
 If you do need to fill out a deposit envelope, it's better to get the envelope from the machine
and then exit out of the transaction, filling out the details and inserting the check into the
envelop in your car or other safe location. Simply return to the machine, reinsert your card,
and start the process over again once the envelope is prepared.

3 Check your account balance. You should have the option to check your account balance, or
how much money you have available in your account, so long as you are using an ATM
associated with your bank. This balance is often printed out on a receipt or sheet of paper,
although it may be displayed on the screen as well.

4 Transfer money or make payments. Many bank's ATMs will allow you to transfer money
between multiple accounts you hold with the same bank, or even transfer money to other
people's accounts. Occasionally you may also have the option to make payments, such as
paying pre-set up bills or fees on your bank account itself.
Part 3 Ending Your Session

1 Follow the prompts to end your session. Once you've completed your transaction, you'll
have to follow the on-screen prompts in order to exit out and get your card back. Often times, a
short cut can be to simply press the red X on the keypad, which is similar to the "back" option on
a computer.
 1.

2. Don't forget to take your card and money! It's easy to forget to take your money or
card when you're in a hurry, but be careful and be extra sure to take all of your
belongings when you're done. This includes a cell phone you might have set down on
the machine
3. Switch to mobile banking. Be aware that for everything but withdrawing money, you can
now use mobile banking if you bank with one of the major banks. Mobile banking, which uses
your smart phone, allows you to deposit checks, check your balance, transfer money, and
includes many of the other services of the ATM.

Self cheek

Name__________________________________ class ________ id _____

 1. What is an Automated Teller Machine (ATM)?
2. What are the functions/facilities available at Commercial Bank ATM’s? Discuss them in
detail.
3. What is a Personal Identification Number (PIN)?

Answer key
Referencewww.comATMs are restocked and serviced

Information sheet 1
Action cards are handled according to organization’s policies and
procedure

Introduction
Action cards may include:
• damaged
• expired
• stolen cards

Advantages and Disadvantages of ATM Machines and Bank/Debit Cards

Advantages Disadvantages

You don’t have to carry cash around with you. If you forget your PIN number you
If your card is stolen, the thief cannot get your money cannot use the card.
without your PIN. The system can be off-line.
You can use it to pay at some retail shops. Training is needed.
Debit Keeps your money safe. Difficult to maintain spending discipline.
Card

ATM or You can withdraw cash at any time, day or night. The ATM may be off-line (system down).
Bank banks don’t need to be open. You may forget your PIN number.
Card ATMs offer the convenience of multiple locations. You Risk of robbery when you leave the
can withdraw cash at any bank that is part of the ATM.
system to which your ATM card is linked. The ATM can break down or run out of
Your ATM card is protected by a PIN, keeping your cash.
money safe. Fees charged to use ATMs of other
You don’t need to fill out withdrawal and deposit slips banks can become expensive.
 as is required at the bank.
ATMs are faster than going to the bank—no long lines.
You can withdraw cash at ATMs in foreign countries.

The term ATM stands for Automated Teller Machine. It is a machine installed by a bank for
providing banking service for 24 hours. The customer is given a 'ATM Card' and a code number.
He can withdraw cash at any time up to limit from ATM.

The various facilities provided by ATM are:

1. Cash withdrawals.
2. Cash deposits.
3. Balance enquiry or checking the balance in the bank account.
4. Request for statement of account.
5. Change of personal identification number (PIN).
6. Cheque book request.
7. Transfer of funds from one account to another account.
8. Other facilities like bill payments
To combat physical ATM attacks, real-time ATM monitoring provides a layer of protection that
identifies an attempted breach the moment it occurs.
Integrating advanced sensors and alarms into ATMs aids in prompt detection and reporting of
attacks, and monitoring platforms can enable remote investigations and immediate corrective
actions — including remotely shutting down a terminal. Piling on the layers of protection allows
financial institutions to more effectively monitor for, identify and mitigate expanding threats to
the ATM channel, including terminal hacks, cutting-edge skimming devices and sophisticated
malware.
By adopting a multilayered security approach, institutions will provide a more secure self-service
channel for consumers and help elevate ATM security for the industry as a whole and restore
consumer trust.
The industry itself needs to work in earnest — as it has begun to do with the recent formation of
the ATM Security Association — to identify threats, share mitigation strategies and develop
solutions for enhancing ATM security around the globe.

Self cheek

Name__________________________________ class ________ id _____

1. What is debit card and credit card? Discuss their difference in detail.
2. What are the advantage and disadvantages of ATM? Discuss them in detail.
Answer key

Referencewww.com . Action cards are handled according

Information sheet 1 ATM machines are cleaned and checked to ensure they are functioning
correctly with any faults and malfunctions identified and corrective action
initiated to resolve faults in a timely manner

1.3.1 Introduction

Checking and cleaning ATM machines What ATM/ Cash machine cleaning includesATM Keyboard
(Touch pad/keypad)

The ATM, as an Automated Teller Machine, performs the transactions of a teller. A teller, as we
know, interacts between the bank and the customer. No customer wants to deal with a slovenly-
looking teller, let alone one who is not clean. As we were all taught when we were children,
“There is no second chance to make a first impression”

Cash is counted and entered on cash recording documentation with cash balance records in
machines verified for accuracy and made available to authorizedpersonnel
How to Deposit money at ATMs. Deposits made through ATMs are processed or auctioned
in accordance with organization’s policies and procedures
Depositing at the ATM:
General guide:
Place the money or cheque(s) to be deposited in the envelope which is provided in the ATM
booth.
Insert the card and punch in your pin number.
The machine will guide you through the process for depositing your funds.
A receipt is issued by the machine at the end of the transaction.
 The funds will not be credited to your account until the next day, after the bank counts the
funds in the envelope to ensure the accuracy.
Cheques deposited may take up to three days before the amount is credited to your
account.
Withdrawing from the ATM
General guide:
Insert the card and punch in your pin number.
1 A bank card (usually plastic) used to make an electronic deposit or withdrawal from funds on
deposit in a bank, or used to pay electronically when purchasing goods and services.
2 A password (usually a string of four numbers) that a person uses to access an ATM with one’s
debit card, though they are increasing being used for all debit card transactions. An electronic
banking outlet,which allows customers to complete basic transactions without the aid of a
branch representative or teller.
The machine will guide you through the process for withdrawing the cash.
At the end of the transaction a receipt is issued showing the amount withdrawn and the balance
in your account. Some machines only issue the receipt if you make the request.
There is a limited amount that can be withdrawn per transaction and per day. The amount varies
among the banks, so you should check with your bank on the limit. There is also a minimal
charge for withdrawing from the ATM. This charge varies among the banks and you should
check with your bank also for the charge.
Advantages of using the ATM
• You have ready access to cash in your bank account whenever you need it.
• You can transfer funds from one account to another of your account at the same bank.
• You can check the balance(s) on your account(s).
Point of Sale (POS)
The point of sale is a payment system that allows an electronic transfer of cash from your bank
account to pay merchants (supermarkets, gas stations etc.) for goods and services you
purchase.
The debit card rather than cash can be used at the POS to pay for goods.
You should become acquainted with the merchants who offer the point of sale service
Advantages of using the Point of Sale
• You do not have to walk around with cash to do purchasing
• You save time by not having to join a line to withdraw cash
• You are provided with a record of your transactions (recorded on your bank statement)
Disadvantage
• You would take a little more time to complete the transaction than when paying by cash.
Types of automated teller machines
There are two primary types of automated teller machines, or ATMs. The basic units allow the
customer to only withdraw cash and receive a report of the account's balance. The more
complex machines will accept deposits, facilitate credit card payments and report account
information. To access the advanced features of the complex units, you will usually need to be a
member of the bank that operates the machine. ATMs are scattered throughout cities, allowing
customers easier access to their accounts. Anyone with a debit or credit card will be able to
access most ATMs. Using a machine operated by your bank is usually free, but accessing funds
through a unit owned by a competing bank will usually incur a small fee.
Maintain security of ATM
Locating Lost Machines
Security of automated teller machines
Protection of Communication
PIN validation, Management and Algorithmic Checking
The method of checking relies on an algorithm which is typically a cipher with a secret key.
PIN Validation for local Transactions
On-Line PIN Validation
The validation of on-line PIN occurs if the terminal in question is connected to the central data
base. The customer's entered PIN is always compared against as in the financial institutions
recorded PIN of reference.
Off-Line PIN Validation
In off-line PIN validation, the ATM is not connected to the central data base. A condition for off-
line PIN validation is that the ATM should be able to compare the customer's entered PIN
against the PIN of reference. the terminal must be able to perform cryptographic operations and
it must have at its disposal the required encryption keys its very slow. Nowadays, Offline PIN
validation is pretty obsolete, as the ATMs are connected to the central server using wireless
communication, any disruption of the network renders the ATM unusable until its fixed.

Shared ATMs
There are different methods used in shared ATMs with regards to the decipherment of PIN and
message authentication among them is the so called "ZONE ENCRYPTION". In this method, a
trustful authority is appointed to operate on behalf of a group of banks so as they could
interchange messages for ATM payment approvals.
Hardware Security Module
For a successful communication between a bank and ATMs, the incorporation of a
cryptographic module named security module is of a very great importance. The security
module is designed to be tamper resistant.[6] The security module performs a plethora of
functions among them PIN verification, PIN translation in interchange, Key management and
message authentication. As far as the use of PIN in interchanges is concerned, the PIN can be
translated by the security module from the cryptographic key and format used by ATM to the
format used for interchange. Moreover, the generation, the control, the maintenance and the
protection of all keys associated with the user's network are within the capacities of the security
module.
To sum up:
 Inner computer is not physically accessible from the outside.
 Just to start hacking you need lengthy and noisy cracking open part.
 Once you're equipped to crack the outer shell (to get to the computer) you might just as
well continue cutting the money cases, thus alleviating the need of any computer
literacy.
 ATM is likely to be equipped with content-destruction devices (paint sprayers).
 You can never know for sure if there's enough money inside just to pay the cost of
cutting tools.

The following is a brief list of 10 easy tips to keep your ATM account safe from fraudulent
activities.
1. Treat Your ATM Card Like Cash
2. Create a Strong PIN
3. Be efficient and plan ahead
4. disposing of ATM Receipts
Do not throw out your receipt from the transactions you made at the ATM at a nearby trashcan.
Even if your account information is not displayed on your receipt, it is safer to just take it home
and shred it.
5. Familiarize Yourself With Your Account
6. Avoid ATMs At Night
7. Shield The ATM
 8. Keep Your Guard Up
Even after you finish your transaction, be aware of suspicious activities as you make your way
away from the ATM; thieves will target people leaving ATMs because it is much more likely that
they are carrying cash. If you do notice suspicious activity, continue to a safe place and notify
the authorities.
9. Drive-up ATMs
The advent of drive-up ATMs not only results in more convenience when making transactions,
but being able to easily use an ATM from the safety of your car also provides another layer of
safety. However, do make sure that all of your doors are locked, your headlights are on, and all
windows are rolled up except for the one you need to use the ATM.
10. Suspicious Activity
If you happen to notice any suspicious activity during your transaction, cancel it, make sure you
recover your card before leaving, and report the activity to the bank
Discussion Question

Self cheek

Name__________________________________ class ________ id _____

1. Is there any minimum and maximum cash withdrawal limit per day?
2. What should be done if the card is lost/stolen?
3. What should one do if he forgets PIN or the card is sucked in by the ATM?
4. Do banks levy any service charge for use of other bank ATMs?
5. What should be done in case during the cash withdrawal process, cash is not disbursed
but the account gets debited for the amount?

Answer key
Referencewww.comATM machines are cleaned and checked to ensur