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Both the DACS and MD2 accepted only a single-use token or voucher which was retained by the machine, while the Speytec worked with a card with a magnetic stripe at the back. The first ATMs were designed to dispense a fixed amount of cash when a user inserted a specially coded card.They used principles including Carbon-14 and low-coercivity magnetism in order to make fraud more difficult. The essence of this system was that it enabled the verification of the customer with the debited account without human intervention. Goldstein, MR Karecki, TR Barnes, GR Chastian and John D. On September 2, 1969, Chemical Bank installed the first ATM in the U. Chemical's ATM, initially known as a Docuteller was designed by Donald Wetzel and his company Docutel.Many ATMs have a sign above them, indicating the name of the bank or organisation that owns the ATM, and possibly including the networks to which it can connect.In Canada, ABMs that are not operated by a financial institution are known as "white-label ABMs".According to the ATM Industry Association (ATMIA), 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.Using an ATM, customers can access their bank deposit or credit accounts in order to make a variety of financial transactions such as cash withdrawals, check balances, or credit mobile phones.Tele Chat is a FREE and very discreet way to instantly connect with exciting people in your region 24 hours a day, 365 days a year.

Transactions were initiated by inserting paper cheques issued by a teller or cashier, marked with carbon-14 for machine readability and security, which in a later model were matched with a six-digit personal identification number (PIN).

In 1969, a venture capital consortium purchased Docutel with the aim of bringing its ATM to market without delay. All were online and issued a variable amount which was immediately deducted from the account. ATMs can be placed at any location but are most often placed near or inside banks, shopping centers/malls, airports, railway stations, metro stations, grocery stores, petrol/gas stations, restaurants, and other locations.

ATMs are also found on cruise ships and on some US Navy ships, where sailors can draw out their pay. On-premises ATMs are typically more advanced, multi-function machines that complement a bank branch's capabilities, and are thus more expensive.

In recent times, countries like India and some countries in Africa are installing ATMs in rural areas, which are solar powered.

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).


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