Documenti di Didattica
Documenti di Professioni
Documenti di Cultura
On
ATM
Submitted in partial fulfillment of the requirement for the award of 5th sem.
Of
Bachelor of computer application
Submitted to
2016-2017
Submitted by
Introduction
Problem Statement
System Analysis
Feasibility study
Input Output
Cost Estimation
System Design
Project Planning
Modules
E-R diagram
Conclusion
References
CERTIFICATE-1
PREFACE
The entitled project Computerization of services in Hotels and Hotel
Management-A Comparative study of public and private sector Hotels in
Himachal Pradesh is made keeping in mind all the aspects of the hotels. By
all the aspects I mean, it will be capable of doing all the necessary
operations/functions that are done in any Hotel for example-reservation of the
customer, booking of the customer ,clearing the Guest Folio of the customer
etc. Since all the work that is to be done by this software can also be done
manually, but this consumes time and labour. So this software will be a relief
to those who have to do all this work manually. The knowledge of computers
and programming has become a basic skill needed to survive in present
information based on society.
The motive to make this project is to make such kind of software which
is very easy to use. There will not be need of any training and the person who
does not have much knowledge of computers can also use this .Through this
project the details of the customers that visit in the hotel can be retrieved if
necessary. All the records of the customers will be kept for further enquiries.
History of atm:
ATM can be traced back to the 1960s, when the first ATM machine was
invented by Scot John Shepherd-Barron and used by Barclays Bank in 1967.
However, while Shepherd-Barron has the major claim to fame, there have been
many other individuals who have also invented some version of the ATM. The
machine itself has evolved over the years, with the earlier versions restricted to
only one or few banking functions. There has been much debate, however, on
who invented the first early versions of Automated Teller Machine. But the
history of ATM can be visibly traced back to the year of 1967.
In 1939, a rudimentary cash dispenser was invented by Luther George Simijian
and established by the City Bank of New York. However, the machine did not
work much and had to be removed within six months of putting up the machine.
The early versions of the ATM were restricted to cash withdrawal only. In the
1967 model, patented by Shepherd-Barron, the plastic cards did not exist and
instead a voucher with a strip of radioactive substance was used for
withdrawing cash. Consequently, the vouchers were matched with a particular
personal pin code used by the bank to identify the customer. The ATM was
inaugurated by renowned British actor, Reg Varney. The personal identification
number was initially a six numbered password, and was later changed to a four
numbered password. However, this automated teller machine was very different
from the modern day teller machines, which is based on an electronic system
between the different branches of the bank. Thus, the history of ATM has seen
many changes over the span of 25 years since 1939.
Another co-patent to the invention of the ATM was Don Wetzel, the Vice
President of Product Planning at Docutel. While the conceptualization began in
1968, the patent was issued only in 1973. This cash dispenser was first used by
the New York based bank, namely, the Chemical Bank. As was the case with the
ATMs of during those years, they were hardly a multi-functional unit.
Moreover, they were not based on any electronic system. Hence, the debit cards,
distinct from credit cards, were given to only selected clients with good track
records. The first ATM cards, with magnetic strips were developed by three
individuals, namely Don Wetzel, Tom Barnes and George Chastain. While there
were many developments in the history of ATM, the service itself took a
stronghold only in the 1970s. Today, the ATM service has become indispensable
to our modern day lives.
Objective and Scope:
The completion of the project involved acute scanning of the library and
different text books. A lot of information has also gathered from the web.
A visit to HDFC Bank and IDBI Bank also made to gather information
pertaining to the project.
The information collected has been diluted and presented in very simple
and lucid manner, which will help the reader to understand the topic.
Scope:
The software supports a computerized banking network called Bank24. The
network enables customers to complete simple bank account services via
automated teller machines (ATMs) that maybe located off premise and that need
not be owned and operated by the customers bank. The ATM identifies a
customer by a cash card and password. It collects information about a simple
account transaction (e.g., deposit, withdrawal, transfer, bill payment),
communicates the transaction information to the customers bank, and dispenses
cash to the customer. The banks provide their own software for their own
computers. The Bank24 software requires appropriate record keeping and
security provisions. The software must handle concurrent accesses to the same
account correctly.
System Analysis:
Study of Current System
Feasibility study:
Technical Feasibility
Economical Feasibility
Operational Feasibility
TECHNICAL FEASIBILITY
ECONOMICAL FEASIBILITY
As part of this, the costs and benefits associated with the proposed system
compared and the project is economically feasible only if tangible or
intangible benefits outweigh costs. The system development costs will be
significant. So the proposed system is economically feasible.
OPERATIONAL FEASIBILITY
Hardware Configuration:-
System Software:-
Power Conditioning:-
There are mainly two types of ATMs which differ according to the way they
operate. They can be called as
Leased-line ATM
Dial-up ATM machines
Any ATM machine needs a data terminal with two inputs and four output
devices. Of course, for this to happen there should also be the availability of a
host processor. The host processor is necessary so that the ATM can connect and
also communicate with the person requesting the cash. The Internet Service
Provider (ISP) also plays an important role in this action. They act as the
gateway to the intermediate networks and also the bank computer.
A leased-line ATM machine has a 4-wire, point to point dedicated
telephone line which helps in connecting it with the host processor. These types
of machines are preferred in places where the user volume is high. They are
considered high end and the operating costs of this type of a machine is very
high.
The dial-up ATM machines only has a normal phone line with a modem
and a toll free number. As these are normal connections their initial installation
cost is very less and their operating costs only become a fraction of that of a
leased-line ATM.
The host is mainly owned by the bank. It can also be owned by an ISP. If
the host is owned by the bank only machines that work for that particular bank
will be supported.
8. PARTS OF ATM
As told earlier, there are mainly two input devices and four output devices
for an ATM. The input devices are:
Keypad After the card is recognized, the machine asks further details like the
type of withdrawal you prefer, your balance enquiry, and your personal
identification number (PIN) and so on. Since each card has a unique PIN
number, there is very little chance for someone else to withdraw money from
your account. There are also separate laws to protect the PIN code while
sending it to the host processor. So, the PIN number is mostly sent in encrypted
form.
If your pin number is correct the ATM makes the necessary transactions for the
required amount.
For this transaction, there are mainly four outputs. They are:
Speaker When a particular key is pressed, the speaker provides the feedback
as audio.
Display Screen The questions asked by the ATM machine regarding the
transaction and the input from the user is all displayed on the display screen.
Each step of withdrawal is shown by the display screen. A CRT screen or even
an LCD screen is commonly used as an LCD screen.
Receipt printer All the details regarding your withdrawal like the date and
time and the amount withdrawn and also the balance amount in the bank is also
shown in the receipt. Thus a paper receipt of the current transaction is obtained
by the user.
Cash dispenser This is the central system of the ATM machine. This is from
where the required money is obtained. From this portion the person can collect
the money.
Functions of the Cash Dispenser:
As the whole mechanism is regarding the withdrawal of cash, the cash
dispenser should be highly efficient. These are the main functions that are to be
carried out by the cash dispenser.
It is the duty of the cash dispenser to count each bill and give the required
amount. If there are cases where the bills are stuck together they should be
rejected and instead new notes should be taken. If the money is worn, or even
folded, they will be moved to another section called the reject bin. All these
actions are carried out by high-precision sensors.
There may be cases where the sensors may go wrong. To know this, the
person responsible for the machine checks the number of rejected notes at a
certain interval. If the numbers of notes are a lot than expected, then it would
indicate that either the quality of the bills is not good or there is a problem with
the cash dispenser.
A complete record of each transaction made by a particular ATM machine
is recorded each day and is kept as a journal. This journal is later collected and
then printed out at times. This information regarding the transaction is kept by
the authorities for a period of 2 years. As there may be cases regarding a
particular transaction going wrong, the account owner or also the bank officers
have a right to see the transaction. With this printout the account holder can
contact the host processor.
System Design: . INVENTION OF ATM
Many people have claimed to be the inventor of the ATM. Some believe that
Luther George Simjian did it. Some believe that it was Don Wetzel. Still others
say the inventor is John Shepherd-Barron. John D. White has contacted
ATMmachine.com and gave very convincing evidence that he is the inventor of
ATM and not Don Wetzel. James Goodfellow of Scotland also contacted
ATMmachine.com and gave us convincing evidence of inventing ATM. Since
the patent on an ATM as we know it was never applied until years after Simjian,
confusion on inventor till exists. One reason for confusion is that John
Shepherd-Barron lived in the United kingdom, James Goodfellow in Scotland,
while others lived in USA. We present all the evidence, as we know it on this
page.
James Goodfellow :
As a Development engineer with Smiths Industries Ltd, James Goodfellow was
given the project of developing an automatic cash dispenser in 1965. Chubb
Lock & Safe Co. were to provide the secure physical housing and the
mechanical dispenser mechanism. Eventually Mr. Goodfellow designed a
system which accepted a machine readable encrypted card, to which he added a
numerical keypad. UK Patent No.1,197,183 with a priority date of May 2 1966,
covers this invention, and it is also covered by US Patent No.3,905,461 and
Patents granted by many other countries. These Patents list James Goodfellow
as inventor, along with the late A.I.O.Davies, the company General Manager.
This US Patent still describes the basic ATM function almost 40 years later.
These Machines were marketed by Chubb LTD and installed nationwide in the
UK during the late 60s and early 70s. You can read ATM inventor James
Goodfellow's story here on ATMmachine.com. Thanks goes out to Mr.
Goodfellow for giving us his permission. (Update: In 2006, James Goodfellow
was selected by the Queen to be awarded an OBE for services to Banking as
patentee of the Personal Identification Number (PIN), and his service to
banking.
Don Wetzel:
In 1968, according to a NMAH interview, Don Wetzel, says he was the Vice
President of Product Planning at Docutel, the company that developed
automated baggage-handling equipment. He applied for a patent on an ATM
machine. He said there were two other inventors listed on the patent. They were
Tom Barnes, a mechanical engineer and George Chastain, an electrical engineer.
It took five million dollars to develop their ATM according to Mr. Wetzel. If you
want to believe that Wetzel and company invented the ATM, then you might
want to read the next paragraph.
John D. White:
John D. White told ATMmachine.com that his work started in 1968. He told us
that he installed the first ATM at Rockville Center, LI for the then Chemical
Bank in August 1973. His design was patented on May 9, 1973 for the Docutel
Corporation and was filed on July 29, 1970. The machine was called a "Credit
Card Automatic Currency Dispenser". Mr. White provided copies of his patent
to ATMmachine.com for our review. Indeed it states the inventor of the machine
was John D. White and Kenneth Goldstein, and the assignee on the patent was
the Docutel Corporation. It does seem to us that this is very convincing
evidence that it was White and not Wetzel who received the patent. There is also
a statement in the patent that supports the idea of the modern ATM. "Both the
original code and the updated code are scrambled in accordance with a changing
key", which is basically what happens today. ATMs are programmed with
security keys and the code changes and are scrambled to prevent fraudulent
access to credit card and ATM numbers between the machine, the bank, and the
network processor. We would like to thank Mr. White for contacting us. The
patent drawings he gave us look very much like the free standing ATM that is
sold on ATMmachine.com today.
Jairus Larson:
Jairus Larson told ATMmachine.com that although he did not invent the ATM,
as far as he is aware , he did develop the very first 'on-line' ATM (Diebold's
"550"). The first ATM's were all 'off-line' versions (sometimes referred to as
'stand-alone') meaning they did not have any means to communicate with the
bank. Today's ATMs are 'on-line' meaning they communicate with the bank's
computer system. Mr. Larson was kind enough to give us his account of how
this happened in the early 1970's. You can read about Mr. Larson's ATM
development here.
5. INTRODUCTION TO ATM CARD
If you have a bank account there is a good chance that you have an ATM
card, which stands for Automated Teller Machine. This card gives you the
ability to go to an ATM and perform transactions. An ATM is a machine or
computerized terminal that gives bank customers the ability to access their
funds without the need of a teller or bank employee. Every customer has a four-
digit pin code, as a matter of security that must be keyed in before transactions
can be performed. Customers have access to their funds 24 hours per day, seven
days per week.
6. TYPES OF ATM CARDS
More people use plastic to pay for items than cash. There are many
different types of cards used to make purchases or withdraw money and many
people don't think about the differences. There are significant differences
between ATM, debit and credit cards. There are several different types of cards
that fall under the category of an ATM card.
There are mainly two types of ATMs which differ according to the way they
operate. They can be called as
Leased-line ATM
Dial-up ATM machines
Any ATM machine needs a data terminal with two inputs and four output
devices. Of course, for this to happen there should also be the availability of a
host processor. The host processor is necessary so that the ATM can connect and
also communicate with the person requesting the cash. The Internet Service
Provider (ISP) also plays an important role in this action. They act as the
gateway to the intermediate networks and also the bank computer.
A leased-line ATM machine has a 4-wire, point to point dedicated
telephone line which helps in connecting it with the host processor. These types
of machines are preferred in places where the user volume is high. They are
considered high end and the operating costs of this type of a machine is very
high.
The dial-up ATM machines only has a normal phone line with a modem
and a toll free number. As these are normal connections their initial installation
cost is very less and their operating costs only become a fraction of that of a
leased-line ATM.
The host is mainly owned by the bank. It can also be owned by an ISP. If
the host is owned by the bank only machines that work for that particular bank
will be supported.
8. PARTS OF ATM
As told earlier, there are mainly two input devices and four output devices
for an ATM. The input devices are:
Keypad After the card is recognized, the machine asks further details like the
type of withdrawal you prefer, your balance enquiry, and your personal
identification number (PIN) and so on. Since each card has a unique PIN
number, there is very little chance for someone else to withdraw money from
your account. There are also separate laws to protect the PIN code while
sending it to the host processor. So, the PIN number is mostly sent in encrypted
form.
If your pin number is correct the ATM makes the necessary transactions for the
required amount.
For this transaction, there are mainly four outputs. They are:
Speaker When a particular key is pressed, the speaker provides the feedback
as audio.
Display Screen The questions asked by the ATM machine regarding the
transaction and the input from the user is all displayed on the display screen.
Each step of withdrawal is shown by the display screen. A CRT screen or even
an LCD screen is commonly used as an LCD screen.
Receipt printer All the details regarding your withdrawal like the date and
time and the amount withdrawn and also the balance amount in the bank is also
shown in the receipt. Thus a paper receipt of the current transaction is obtained
by the user.
Cash dispenser This is the central system of the ATM machine. This is from
where the required money is obtained. From this portion the person can collect
the money.
Functions of the Cash Dispenser:
As the whole mechanism is regarding the withdrawal of cash, the cash
dispenser should be highly efficient. These are the main functions that are to be
carried out by the cash dispenser.
It is the duty of the cash dispenser to count each bill and give the required
amount. If there are cases where the bills are stuck together they should be
rejected and instead new notes should be taken. If the money is worn, or even
folded, they will be moved to another section called the reject bin. All these
actions are carried out by high-precision sensors.
There may be cases where the sensors may go wrong. To know this, the
person responsible for the machine checks the number of rejected notes at a
certain interval. If the numbers of notes are a lot than expected, then it would
indicate that either the quality of the bills is not good or there is a problem with
the cash dispenser.
A complete record of each transaction made by a particular ATM machine
is recorded each day and is kept as a journal. This journal is later collected and
then printed out at times. This information regarding the transaction is kept by
the authorities for a period of 2 years. As there may be cases regarding a
particular transaction going wrong, the account owner or also the bank officers
have a right to see the transaction. With this printout the account holder can
contact the host processor.
Project Planning:
Design
Architecture Design
Interface Design
Development
Modules :
Class diagrams are the most common diagrams found in modeling object-
oriented systems. A class diagram shows a set of classes, interfaces, and
collaborations and their relationships. Graphically, a class diagram is a
collection of vertices and arcs.
Class Diagram is a graph that represents the relationship between the classes
and represents their semantics.
Here ATM works as main class. All other classes are related with this class.
ATM does following operations:
- Verify_pin()
- Check_balance()
- Cash_withdrawal()
- Ministatement()
- Print_receipt()
- Another_transaction()
ATM server related with ATM by one or many to one or many relationship.
It also performs some task shown as below:
- Updating_after_each_transaction()
- Changing_the_pin_code()
- Showing_exact_balance_after_each_transaction()
Here, a class Bank not related to any of the class, but some classes are
dependent on these classes which are shown as dependent relationship with
it. Normally this class performs following operations:
- Create_Account()
- Accessing_Account()
- Providing_ATM_card()
Limitation:
Although I have tried to add all the related features to this online
Bus Reservation System but there are also some limitation.
This system is stand alone system so data saved during different
processes are stored in the machine in which that process was
executed.
So there is the problem of distributed database.
Future Enhancement:
As discussed the limitation of this system, we can implement this
as client/server system. So all the data will be stored in the single
machine, and for any purpose all the data will be retrieved from
this central database.
Back in 1969, Chemical Bank announced that a new form of banking was
being launched. With that, customers were provided with plastic cards designed
with a magnetic strip that could be used with a machine built into a wall. Gone
were the days of having to stand in line for a teller or not having money on hand
after normal banking hours. Almost everyone has heard of and used an ATM
machine. Interestingly, some of people feel that ATM machines are the best
thing to happen in the banking world while other people consider them a curse.
The main complaint heard about ATM machines is that while they are
convenient, they are expensive to
use. However, if we look at it from a banking perspective, business is business.
Regardless of what we think of ATM machines, there is no doubt that they have
changed the world and the way in which we do things. For example, think how
many times we have been out somewhere only to discover we have no cash and
we are out of checks, ah, but in the corner, there is an ATM machine. In the
blink of an eye, we swipe the card and now have cash on hand. In addition to
pulling money out, the ATM machine also makes it convenient to deposit
money, transfer money, and check balances. Best of all, to use an ATM machine,
we do not have to go to the bank. We will find ATM machines at other banks,
grocery stores, shopping malls, along the
roadside, Buckingham Palace, airports, in casinos, and even on the South Rim
of the Grand Canyon. For this reason, ATM machines are extremely helpful!
Bibliography
Book Reference
Website Reference
www.google.com
www.ask.com
www.microsoft.com
www.iit.edu.com