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Use Case for Atm Services

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CIS 210 - Use Case for ATM Services
4/29/12
Kevin Hagan
Dr. Yohannes Abate

Making a withdrawal via an Automated Teller Machine
Making a withdrawal of funds from your bank account via an automated teller machine (ATM) is easy (Richardson). There are only a few steps involved, and there is no need for the customer to have to go to the bank itself anymore. While there are no restrictions, you can make withdrawals from any ATM on the street, the only exception over using the bank’s ATM is that they may charge you a fee for using another banks/companies ATM. For illustration, we will be using an ATM at the bank itself, so that if there is a problem then the customer can go inside and discuss this problem with a representative of the bank. The assumption is that you are at the ATM and currently have an account with the bank.
Step 1: Insert your ATM card or credit card.
Step 2: Enter your personal identification number (PIN).
Step 3: Select “Withdrawal” from the transaction menu.
Step 4: Select “cash” from the next transaction menu.
Step 5: Select the amount of cash you wish to withdraw. At this step, either you can withdraw a preselected amount, or you can enter any other amount.
Step 6: When prompted, select confirm on the amount that you wish to withdraw.
Step 6: Take your detailed receipt with a summary of your withdrawals.
Step 7: Remove your ATM card from the machine.
The alternate of using the ATM is to go inside the bank, wait for the next teller, and provide the teller with a withdrawal slip. The teller will make the necessary adjustments to your account while you wait, and then provide you with the cash requested, and a detailed receipt of your transaction.

Making a Deposit via an Automated Teller Machine
Making a deposit via an automated teller machine (ATM) is easy. There are only a few steps involved, and there is no need for the customer to have to go to the bank itself anymore (Unknown). The only restriction is that you have to use the ATM of the bank that is servicing your account, and not just any ATM on the street. For this illustration, we will be using an ATM at the bank itself, so that if there is a problem then the customer can go inside and discuss this problem with a representative of the bank. The assumption is that you are at the ATM and currently have an account with the bank.
Step 1: Insert your ATM card or credit card.
Step 2: Enter your personal identification number (PIN)
Step 3: Select “Deposit” from the transaction menu
Step 4: Select either “cash” or “check” and insert the cash or check into the machine. If depositing cash, you can insert up to 99 bills at once. If depositing check(s), please insert the check(s) individually so that the scanner can read the codes correctly.
Step 5: Confirm the amount of total cash deposited, or the amount of each check.
Step 6: Take your detailed receipt with a summary of your deposits.
Step 7: Remove your ATM card from the machine.
The alternate of using the ATM is to go inside the bank, wait for the next teller, and provide the teller with a deposit slip and the cash/check that you are depositing. The teller will make the necessary adjustments to your account while you wait, and then provide you with a detailed receipt of your transaction.

Making a Transfer between accounts via an Automated Teller Machine
Making a transfer via an automated teller machine (ATM) is easy. There are only a few steps involved, and there is no need for the customer to have to go to the bank itself anymore. The only restriction is that you have to use the ATM of the bank that is servicing your account, and not just any ATM on the street. For this illustration, we will be using an ATM at the bank itself, so that if there is a problem then the customer can go inside and discuss this problem with a representative of the bank. The assumption is that you are at the ATM and currently have an account with the bank.
Step 1: Insert your ATM card or credit card.
Step 2: Enter your personal identification number (PIN)
Step 3: Select “Transfers” from the transaction menu
Step 4: Select which account that you wish to transfer from.
Step 5: Select which account that you wish to transfer to,(you can also request a third party transfer at this point as well, just select third party and enter the information requested).
Step 5: Confirm the accounts that you wish to transfer between, and the total amount of the transfer.
Step 6: Take your detailed receipt with a summary of your withdrawals.
Step 7: Remove your ATM card from the machine.
The alternate of using the ATM is to go inside the bank, wait for the next teller, and provide the teller with a transfer slip. The teller will make the necessary adjustments to your account while you wait, and then provide you with a detailed receipt of your transaction.

Ethical dilemma using an ATM
One of the challenges of using an ATM is security. Most ATMs are in an open environment, meaning that anyone can stand around the machine and watch what you are doing. Once they have your PIN the only other thing they need, is your card, or a copy of your card. ATM thieves have been able to use technology of magnetic strips against users and banks for some time. The dilemma facing the IT is to build a machine and software that is designed to prevent this from happening. Additionally, ensuring that the software is secured so that hackers cannot get into the system. Skimming attacks have been more prevalent in places like hospitals as John Buzzard of FICO’s Card Alert Services states: "The skimmed cards would have a high risk factor if the thieves perpetrated cross-border transactions in the U.S., as an example, where chip authentication would not presently be part of the authorization." (Kitten, 2012). Placing security measures into the system from the beginning will prevent long-term fraud.

References

Kitten, T. (2012, April 19). ATM Attacks Expoit Lax Security. Retrieved April 29, 2012, from Bank Info Security: http://www.bankinfosecurity.com/atm-attacks-exploit-lax-security-a-4689
Richardson, M. (n.d.). How to withdraw from an ATM Cash Machine. Retrieved April 29, 2012, from eHow: http://www.ehow.co.uk/how_6532821_withdraw-atm-cash-machine.html
Unknown. (n.d.). Steps for Making ATM Deposits. Retrieved April 29, 2012, from Commerce Bank: http://www.commercebank.com/locations/atm/steps-for-making-atm-deposits.asp

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