1.

0 INTRODUCTION

1.1 Definition of Automated Teller Machine (ATM)

An Automated Teller Machine (ATM) is defined as an electronic banking outlet

which will allow customers to complete basic transactions without the need of any
representative or teller. ATMs can be used to access cash with inserting credit or debit
card. ATMs will allow users to perform self-service transactions like deposits,
withdrawals, bill payments, and transfers between accounts.
There are two types of ATMs which is basic units and complex type. Basic units only
allow customers to withdraw cash and receive updated account balances while the
more complex machines accept deposits, facilitate line-of-credit payments, transfers
and also accessing account information. To be able to access advanced features of the
more complex ATMs, the users are required to have a bank account at the bank that
operates the machine.
Although the design of each ATM is different, they contain the same basic parts
which is a card reader which basically reads the chip on the front of the card or the
magnetic stripe on the back. Then, the basic component of an ATM also contain
keypad which is used to input information, including personal identification number
(PIN), the type of transaction required, and the amount of the transaction. ATM also
consist of a cash dispenser, which basically is connected at the machine to dispense
money and a printer attached to the side of it’s screen to print out receipts upon
consumers requests. Then a secure cryptoprocessor, generally within a secure
enclosure. AT also contains vault to store parts of machinery that only can be access
by limited number of people and also sensors and indicators.
For the software of the ATM, with the migration to commodity Personal Computer
hardware, standard commercial “off-the-shelf” operating systems and programming
environments can be used inside of ATMs. Typical platforms that is commonly used
in ATM development includes RMX or OS/2.

1.2 History

The first ATM machine ever produced was released in June 1967 in North London. It
was invented by a British named John Shepherd-Barron. The maximum amount of
money can be withdraw by the user is £10. However, during this time, the PIN system
not yet introduced.

The PIN system introduced as security system of the ATM machine in 1970. It was
an idea from British engineer named James Goodfellow. He also idealized a concept
of personal identification number stored on bank cards. After the PIN system
introduced, the development of ATM machine went wider and started to grow rapidly.

1.3 Problem Statement

In implementing the project, several issues related to the project has been identified.
One of the problem is people tend to save their saving on their own. This can lead to
loss a lot of money since people has things that they want to buy. This will make them
spend a lot of their saving without having any second thoughts. Apart from that, lack
of security to the saving is one of the other problem can be identified. When the ATM
is not yet invented, savings are exposed to the potential of getting stolen. This is
because the house before can be easily got broken by thief. Thus, the savings will get
stolen by the burglar. Security is described as a practicable loss due to fraud or a
hacker compromising the safety of banking services. Fear of the lack of safety is one
of the elements that have been recognized in most research as affecting the growth
and development of technology. Therefore, it is very essential to make certain the
digital banking machine is invulnerable whilst the person doing the economic
transaction. Besides that, it will amplify the patron delight of electronic banking and
motivate the user to adopt this service. Privacy, on the different hand, refers to the
safety of a variety of sorts of statistics that are accumulated with or without the
knowledge of the users at some point of user’s interactions.In spite of the tremendous
advantages, the number of malicious purposes security troubles on and offline
banking transactions has increased dramatically in current years. One of the biggest
barriers to better user experience is the need to provide and keep an excessive level of
protection and privateness banking services. While through e-banking, Internet and
cell banking purposes furnish a specifically fascinating target for a range of abuses
and intrusions. So, the safe and tightly closed environment of information technology
is the most important concern for all monetary provider corporations. The duty of
invulnerable banking is now not only on the banks but additionally on the customers,
because the customers which has enhance banking, have to have a sure stage of
expertise and technical competence and awareness. Hence, banks need to pay
distinctive intrigued to the safety of these applications. In most cases, the arrangement
of protection influences the ease of utilize of an application. In this research we
present the issues concerned with privateness and protection troubles in banking
system alongside with the traits of pseudocodes throughout the whole banking
process. We additionally address the frequent kinds of attack that banking could
encounter. While the operations of the bank have end up increasingly tremendous
banking frauds are also increasing and fraudsters are turning into more and extra
state-of-the-art and ingenious. The number of bank frauds in entire nation is big which
is increasing with the passage of time in all the major operational areas in banking,
such as deposits, loan, inter branch transaction, accounting, customer’s personal data
and so on.

1.4 Objective of Study

 Identify the problems of previous system for money that has lead to the creation
of ATM to become relevant in today’s society.
 Create a coding system of a basic ATM.
 To test out the coding system and identify the importance of the system at the end
of study.
2.0 FLOWCHART AND PSEUDOCODE OF AN ATM
The diagram below shows the flowchart and pseudocode of an ATM.

PSEUDOCODE :
FLOWCHART (1) 1.0 Start
2.0 Enter pin code
Start Approach ATM
Repeat
3.0 Output 'Select
option'
Insert PIN code
'1) Make withdrawal'
'2) Make deposit'
'3) Show balance'
'4) Quit'
4.0 Input option :
If option = deposit then
Output 'Enter
amount to deposit'
Input amount
balance  balance +
amount
If option = withdrawal
then
Output 'Enter amount
to withdraw'
Input amount
balance  balance –
amount
Output 'Balance is '
balance
Until option = quit
5.0 Stop
FLOWCHART (2)

FLOWCHART (3)

FLOWCHART (4)
3.0 CODING

#include<stdio.h>

main()
{
int pin;
printf("Enter your pin number: ");
scanf("%d",&pin);
{
int i, choice;
float cash=0;
char c;

do{
printf("Enter\n1-Withdraw\n2-Deposit\n3-Check Balance\n");
scanf("%d",&choice);
switch(choice)

{
case 1:
{
int withdraw;
printf("Enter Amount of Withdraw\n");
scanf("%d",&withdraw);
if(withdraw%100==0)
{
if(cash>=withdraw)
{
cash-=withdraw;
printf("Amount After Withdrawal of Cash Is RM
%f\n",cash);
}
else
 {
printf("You Don't Have Enough Amount To Withdraw.
Please Deposit Amount\n");
}
}
else
{
printf("Enter Withdrawal Amount in 100's\n");
}
break;
}
case 2:
{
int deposit;
printf("Enter Amount to Deposit\n");
scanf("%d",&deposit);
if(deposit%100==0)
{
cash=cash+deposit;
printf("Balance After Depositing Amount is RM %f\n",cash);
}
break;
}
case 3:
{
printf("Balance in the Account is RM %.2f\n",cash);
break;
}
default:
{
printf("Enter Valid Choice\n");
break;
}
}
 printf("To Continue Press 'Y' else any letter\n");
fflush(stdin);
scanf("%c",&c);
}
while(c=='y'||c=='Y');
printf("Thanks for choose Maybank U2\n");
}
}

4.0 CONCLUSION

The exponential boom of web has given huge showcase conceivable for today’s
businesses
counting e-banking industry. E-banking transformation changed the commerce
of keeping
money in a general sense by utilizing giving numerous benefits for clients
and unused
commercial endeavor openings for bank. While taking into consideration on
the above
records we can see that safety and privateness problem are interwoven in this context
which
relates to the facts gadget as we can see technology is growing in every corner of the
world so
the people be protected from the misusers. The banks are dealing with many
challenges and
many possibilities are reachable with the banks. Security components can be
considered in
thought at all stages of banking organizations, to guard themselves against a number
of sorts
of extortion and assaults. Web-banking raises numerous complex issues for the
banks and
controllers alike, and for this reason bounty work is required at nationwide and
worldwide
levels. Besides, e-banking will also be a framework where clients are able to
connected with
their banks “worry free”.But nevertheless, there is a need to have greater innovative
options
so that the troubles associated to safety and privateness troubles can be solved so that
the
opportunities can be availed efficaciously by means of the Indian banks
The exponential boom of web has given huge showcase conceivable for today’s
businesses
counting e-banking industry. E-banking transformation changed the commerce
of keeping
money in a general sense by utilizing giving numerous benefits for clients
and unused
commercial endeavor openings for bank. While taking into consideration on
the above
records we can see that safety and privateness problem are interwoven in this context
which
relates to the facts gadget as we can see technology is growing in every corner of the
world so
the people be protected from the misusers. The banks are dealing with many
challenges and
many possibilities are reachable with the banks. Security components can be
considered in
thought at all stages of banking organizations, to guard themselves against a number
of sorts
of extortion and assaults. Web-banking raises numerous complex issues for the
banks and
controllers alike, and for this reason bounty work is required at nationwide and
worldwide
levels. Besides, e-banking will also be a framework where clients are able to
connected with
their banks “worry free”.But nevertheless, there is a need to have greater innovative
options
so that the troubles associated to safety and privateness troubles can be solved so that
the
opportunities can be availed efficaciously by means of the Indian banks
The exponential boom of web has given huge showcase conceivable for today’s
businesses
counting e-banking industry. E-banking transformation changed the commerce
of keeping
money in a general sense by utilizing giving numerous benefits for clients
and unused
commercial endeavor openings for bank. While taking into consideration on
the above
records we can see that safety and privateness problem are interwoven in this context
which
relates to the facts gadget as we can see technology is growing in every corner of the
world so
the people be protected from the misusers. The banks are dealing with many
challenges and
many possibilities are reachable with the banks. Security components can be
considered in
thought at all stages of banking organizations, to guard themselves against a number
of sorts
of extortion and assaults. Web-banking raises numerous complex issues for the
banks and
controllers alike, and for this reason bounty work is required at nationwide and
worldwide
levels. Besides, e-banking will also be a framework where clients are able to
connected with
their banks “worry free”.But nevertheless, there is a need to have greater innovative
options
so that the troubles associated to safety and privateness troubles can be solved so that
the
opportunities can be availed efficaciously by means of the Indian banks
In modern globalization, particularly in this pandemic era crime rate increased. As
safety for people in keeping savings safe, this research we explain about Automated
Teller Machine (ATM) and how the process works through psedocode and coding.
The adoption of ATM for financial transaction keeps growing and people have
realizes the convenience in using ATM. This research is to encourage more users to
keep up their savings through banking system. ATM is just a segment out of various
services of e-banking. As the usage of ATM is increasing so it openness to security
threat is ascending. As the ATM technology is advancing, fraudsters are on drawing
board to see how they come up with different fraud skills to beat the security. Various
forms of fraud are perpetuated, ranging from; ATM card theft, Skimming, Pin theft,
Card reader techniques, PIN pad techniques, force withdrawal and lot more. Despite
this threat, the banks are putting up little effort which is not proportional to rate the
fraudsters are working to defraud customers. The technology of ATM keep
developing, the fraudsters keep improving ways of crime but the banks are not putting
sufficient measures of control to avoid fraud at ATM. The security measures adopted
by some banks are obsolete making the measures less significant and allowing fraud
at ATM.

REFERENCES

Julia Kagan Automated Teller Machine (ATM) (2020). In Investopedia. Retrieved

from
https://www.investopedia.com/terms/a/atm.asp#:~:text=An%20automated%20teller
%20machine%20(ATM)%20is%20an%20electronic%20banking%20outlet,a
%20branch%20representative%20or%20teller

Automated teller machine. In Wikipedia, the free encyclopedia. Retrieved from

https://en.wikipedia.org/wiki/Automated_teller_machine#Hardware

Colin Gordon A History of ATM Innovation , February 21, 2017. Retrieved from
https://www.ncr.com/company/blogs/financial/history-atm-innovation#:~:text=The
%20ATM%20made%20its%20debut,be%20used%20to%20dispense%20cash.

Designing Software with Flowcharts and Pseudo-code. Retrieved from

https://slideplayer.com/slide/4689399/

https://www.academia.edu/632694/Challenges_of_Automated_Teller_Machine_ATM
_Usage_and_Fraud_Occurrences_In_Nigeria_A_Case_Study_of_Selected_Banks_In
_Minna_Metropolis

https://www.khanacademy.org/computing/computer-
programming/programming/good-practices/a/planning-a-programming-project

https://financial-dictionary.thefreedictionary.com/banking+system

https://www.slideshare.net/khalidbazgamah/atm-project-
75361416#:~:text=2%20PROJECT%20ABSTRACT%20The%20ATM

https://www.researchgate.net/publication/235929071_AN_ANALYSIS_OF_ATM_B
ANKING_SERVICE_QUALITY_AND_ITS_DIMENSIONS