O’zbekiston respublikasi oliy va urta ta’lim vazirligi termiz iqtisodiyot va serves uneverseteti moliya va moliyaviy texnologiya yunalishi 1-bosqich talabasi hamzayev quvonch ning ingliz tili fanidan tayyorlagan mustaqil ishi bajardi: hamzayev quvonch
O’ZBEKISTON RESPUBLIKASI OLIY VA URTA TA’LIM VAZIRLIGI TERMIZ IQTISODIYOT VA SERVES UNEVERSETETI MOLIYA VA MOLIYAVIY TEXNOLOGIYA YUNALISHI 1-BOSQICH TALABASI JUMANAZAROVA MAVLUDA NING INGLIZ TILI FANIDAN TAYYORLAGAN MUSTAQIL ISHI BAJARDI: JUMANAZAROVA MAVLUDA TEKSHIRDI: Ahmedov Namoz TISU-2023
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, funds transfers, balance inquiries or account information inquiries, at any time and without the need for direct interaction with bank staff.
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, funds transfers, balance inquiries or account information inquiries, at any time and without the need for direct interaction with bank staff.
ATMs are known by a variety of names, including automatic teller machine (ATM) in the United States[1][2][3] (sometimes redundantly as "ATM machine"). In Canada, the term automated banking machine (ABM) is also used,[4][5] although ATM is also very commonly used in Canada, with many Canadian organizations using ATM over ABM.[6][7][8]
ATMs are known by a variety of names, including automatic teller machine (ATM) in the United States[1][2][3] (sometimes redundantly as "ATM machine"). In Canada, the term automated banking machine (ABM) is also used,[4][5] although ATM is also very commonly used in Canada, with many Canadian organizations using ATM over ABM.[6][7][8]
In British English, the terms cashpoint, cash machine and hole in the wall are most widely used.[9] Other terms include any time money, cashline, tyme machine, cash dispenser, cash corner, bankomat, or bancomat. ATMs that are not operated by a financial institution are known as "white-label" ATMs.
Using an ATM, customers can access their bank deposit or credit accounts in order to make a variety of financial transactions, most notably cash withdrawals and balance checking, as well as transferring credit to and from mobile phones. ATMs can also be used to withdraw cash in a foreign country. If the currency being withdrawn from the ATM is different from that in which the bank account is denominated, the money will be converted at the financial institution's exchange rate.[10]
Customers are typically 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.
Customers are typically 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 idea of out-of-hours cash distribution developed from bankers' needs in Japan, Sweden, and the United Kingdom.[14][15][16]
In 1960 Luther George Simjian invented an automated deposit machine (accepting coins, cash and cheques) although it did not have cash dispensing features.[17] His US patent was first filed on 30 June 1960 and granted on 26 February 1963.[18] The roll-out of this machine, called Bankograph, was delayed by a couple of years, due in part to Simjian's Reflectone Electronics Inc. being acquired by Universal Match Corporation.[19] An experimental Bankograph was installed in New York City in 1961 by the City Bank of New York, but removed after six months due to the lack of customer acceptance.[20]
The Barclays–De La Rue machine (called De La Rue Automatic Cash System or DACS)[30] 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.[31] 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 similar claims by IBM and Lloyds Bank in 1971,[32] and Oki in 1970.[33]
The collaboration of a small start-up called Speytec and Midland Bank developed a fourth machine which was marketed after 1969 in Europe and the US by the Burroughs Corporation. The patent for this device (GB1329964) was filed in September 1969 (and granted in 1973) by John David Edwards, Leonard Perkins, John Henry Donald, Peter Lee Chappell, Sean Benjamin Newcombe, and Malcom David Roe.
