An automatic teller machine or automated teller machine (ATM) is an electronic device that allows a bank's customers to make cash withdrawals and check their account balances without the need for a human teller. Many ATMs also allow people to deposit cash or cheques, transfer money between their bank accounts or even buy postage stamps.
The world's first ATM was produced by NCR in Dundee, Scotland, and installed in Enfield Town in north London on June 27, 1967 by Barclays Bank. This instance of the invention is credited to John Shepherd-Barron, although George Simjian registered patents in New York, USA in the 1930s and Don Wetzel and two other engineers from Docutel registered a patent on June 4, 1973. Shepherd-Barron was awarded an Order of British Empire in the 2005 New Year's Hon ours.
Early cards were retained by the machine and worked on various principles including radiation and low-coercivity magnetism that was wiped by the card reader to make fraud more difficult.
Modern ATM banking was tested in New Zealand's Christchurch
In modern ATMs, customers identify themselves by using a plastic card with a magnetic stripe, which encodes the customer's account number, and by entering a four-digit pass-code called a PIN (Personal Identification Number), which in some cases may be changed using the machine. If the number is entered incorrectly several times in a row (with three attempts as the most common), most ATMs will retain the card as a security precaution to prevent an unauthorized user from working out the PIN by pure guesswork (it should be noted sometimes these cards are later on destroyed to prevent the bank staff from misusing them). Earliest versions accepted a single-use token or voucher, and the latest ATMs read and store customer data on a smartcard.
Most ATMs are connected to inter-bank networks, enabling people to withdraw and deposit money from machines not belonging to the bank where they have their account. This is a convenience, especially for people who are traveling: it is possible to make withdrawals in places where one's bank has no branches, and even to withdraw local currency in a foreign country, often at a better exchange rate than would be available by changing cash.
ATMs rely on authorization of a transaction by the card issuer or other authorizing institution via the communications network.
In ATM system of the bank, you can find the following application protocols:
NDC (NCR Direct Connect)
NDC is ATM transaction processing protocol formulated by NCR Company. Altogether it has three releases:
| NDC RMX | 50XX and 55XXATM series (The 3rd generation terminal) |
| NDCxa | 50Xxxa (Expansion structure terminal) |
| NDC + | 56XX (The 4th generation terminal) |
The basic application module provided by NDC can be applied by distributing parameter values to customize the transaction module (status), define display screens and design acceptable card types and other configuration parameters.
l DIEBOLD 912
Diebold 912 is ATM transaction processing protocol designed by Diebold Company.
l ISO8583
ISO8583 is the message format manual recommended by ISO for the communication between the exchange center and Centrals of member banks.
ATM Installation Procedure
1st Step
Preparing Hard Disk
- Use Windows (Win2000) partition to boot from another HDD.
- Prepare Hard Disk using 2 partitions named C (70%) and D (30%). Make sure it takes accurate measurement.
- In Start Menu Go to Settings -> Control Panel -> Administrative Tools
- In Administrative Tools, Select Disk Management. Here we can see disk management. Convert all disk into Basic partitioned.
- Now, Select Create Partition (in Win 2000) or New Volume (in Win XP).
- Formats drive C using 70% of allocated free space of HDD. Mark this partition “Active”.
- Formats drive D using 30% of allocated free space of HDD.
Important Notes
In different types of ATM, we have different types of IPC (Industrial PC) or EMPC. So, it is necessary to know the following list.
- IPC-006 (P4 Standard) for F16A (here it is mostly used).
- IPC-001 (P3 Standard) for E22L & E22-TTW.
- IPC-004 (P4 Standard) for H38 & H38L.
- IPC-005 (P4 Standard) for G21 & G21L.
- EMPC (P3 Standard) for F16.
2nd Step
OS Installation
Installing Operating System and others necessary software using CD named “Ghost”. “Ghost” CD is bought from GRG.
1. Boot from CD-Rom using “Ghost” CD.
2. Here we can see 3 options.
1. Recover Disc from CD.
2. Start using MS-DOS.
3. Read Me.
3. Select No. 1. Then it installs on its own.
4. After completion of installation, we boot from HDD.
5. Now, we copy all necessary materials from 3 CDs. Those 3 CDs are bought from GRG.
3rd Step
Necessary Configuration
- Disable Volume.
- Select “My Computer” -> Click Right Button of Mouse or Properties button of Keyboard -> Click “Manage”.
- Now, click “Local User & Groups” and select “User”.
- Select “Administrator” by right clicking of mouse and click “Set Password”.
- Set Password to “brac123” in password field.
- Click “Start” button and select “Settings” -> click “Control Panel” -> “User Accounts”
- If check box option is set to tick mark [√], then remove this tick mark. Set password here too. Password is “brac123”. It is enable auto-login.
- In control panel, we set “Date and Time Zone”.
- In control panel, click “Display”. Select “Settings” tab -> click “Advanced” button -> select “Adapter” tab -> click “List All Modes” button.
- Select “640 by 480, High Color (16 Bit), 75 Hertz”
11. Select “My Computer” by clicking of right button. Click “Properties” and select “Advanced” tab.
12. In “Performance” paragraph, click “Settings”. Now, click “Change” in the “Virtual Memory” paragraph.
13. Select drive “C:” -> click Radio Button “Custom Size”.
14. Set Initial Size (MB) is 1024 and Virtual Size (MB) is 2048.
15. Again, select “My Computer” and “Properties”.
16. Select “Network” tab. Change name & identification F16-##### (it is ATM’s Serial number).
17. Change “Workgroup” from “YUNTONG” to “YUNGTONG”.
4th Step
Pre-requisite Configuration
- Go “My Computer > Properties”. In “General” tab option, check version of OS’s “Service Pack”. If it is not “Service Pack 4” then go “D:\CD3\OS\Win_2k_SP4\SMARTDRV.exe”. Install and restart IPC.
- Go “D:\CD2\Drivers\Drivers(IPC_F16A)\Intel Chipset Software Utility\Setup”. Install & restart IPC.
- Select “My Computer” and go to “Properties” by clicking right button. Go “Hardware” tab and click “Device Manager” button.
- Select “Universal Serial Bus Controllers”. Install USB controller using path “CD2:\Drivers\Drivers(IPC_F16A)\USB_W2K”. (if it is installed, it must uninstalled 1st & re-install it).
- Go “CD2:\Drivers \Drivers(IPC_F16A)\Camera Agent
- \Drivers_KPCU400\Drivers_UC400 Multi-2000\Setup.exe”. Install it.
- \Component_VCM Install\Setup.exe”. Install it.
After completion of above two installations, test camera using “Camera Agent\CHCHCamTest”.
- Go “D:\CD1\ATM\01-Pre Req” (install all its folder’s components). If “WinRAR” installed, 1st uninstall it.
- Install “WinRAR”. Open “D:\CD1\ATM\01-Pre Req\WinRAR\Patch” folder. Copy Patch’s 2 contents and paste it into “C:\Program Files\WinRAR\”. Press the Patch’s contents from this dive and select location.
- Install “D:\CD1\ATM\01-Pre Req\2_MDAC\mdac28.exe”.
- Install “D:\CD1\ATM\01-Pre Req\3_Jet40SP8_Wk”.
- Install “D:\CD1\ATM\01-Pre Req\4-DirectX9”.
5th Step
YDC 2.0 Installation
- Go “D:\CD2\ATM\02-YDC\Setup.exe”. Install it.
- Go “D:\CD2\ATM\02-YDC\Data.exe”. Install it.
- Press “D:\CD2\ATM\02-YDC\Patch”. Press “1-YdcUpdate…..”, “2-YdcUpdate…..”, “3-YdcUpdate…..”, “4-YdcUpdate…..”, “5-YdcUpdate…..”.
- Select folder “D:\CD2\ATM\02-YDC\Patch\6-YDCUpdate….”. Do following things.
///// Important Tips: above 3 & 4 nos. is for SP1. There is available YDC SP3 for quick installation. We just copy installed “YDC-SP3” from removable device or CD. Paste it into “C:/Program Files/……”. At the same time, we delete or rename installed “YDC2” to “YDC2_Old”.
6th Step
TPS & Eye Agent Loading
- Go to “D:\CD1\ATM\New Eye Agent\Setup.exe”. Install it.
- “C:\TPS” folder is created. Copy from “D:\CD1\ATM\New Eye Agent\CameraPoints.ini” and paste it into “C:\TPS\Eye\SMARTInterface\Configuration\ …….. ”. Open this *.*ini file and check date.
- Click “C:\TPS\Eye\ServerConfiguration”. A notepad typed file is open and check
Eye Server
Central IP Address 10.20.0.233
Port 4321
“C:\TPS\Eye\Configuration\Eye.ini”. Here we can find “Server Info”.
- “C:\TPS\Saf\Logs”. If this folder takes too much space then delete its contents.
- “C:\TPS\Imagery”. Client’s photo stays here.
7th Step
Service Activation
Now, we activate some specific services.
- Go to “My Computer” (click left button of mouse) à Mange à Service (click)
- Services are Insight FTP Transport Service, Insight TCP SAF Provider, Remote Access Auto Connection Manger, Remote Access Connection Manger, Remote Procedure Call (RPC), Remote Procedure Call (RPC) Locator.
- Open above services and do the following things. “Start-up” types makes “Automatic”. Then press “Start”. Services activated.
Now, IP address is allocated by Support Engineer.
8th Step
Security & Sharing
- Makes 2 hidden shares, “C$” & “D$”. Give full control to “Administrator” and “System”.
- Share “C:\Programs Files\YDC2”; “C:\Programs Files\YDC2\AtmApp\Log”. Give full control to “Administrator” and “System”.
- Share “C:\TPS” and “C:\TPS\Imagery”. Give full control to “Administrator” and “System”.
Important Tips: When Sharing & Security is given, it must be set User Limit is “Maximum”.
What is YDC ?
Overview
In this chapter you will find information on:
l YDC product types supported
l Major functions of YDC
l Application protocols supported by YDC
l Network protocols supported by YDC
YDC In Brief
YDC means YT Direct Connect. It is a terminal application for simulating NDC and DDC.
v YDC Running Environment
l Hardware
CPU: Intel Pentium 233Hz or above
Memory: 64M or above
Hard disk: 100M space available or above
CD-ROM: Required at installation only
Sound card: 16-bit ISA/PCI
Display card: Real color card with 4M of display memory or above
l Software environment
Windows NT SP6 or Windows 2000 or Windows XPE
Microsoft Access 97 and Access 2000
Color: Enhanced color (16-bit)
Resolution: 640×480
Refresh frequency: 75Hz
v Product Types Supported by YDC
DACS-YDC (DT ATM Control System – YT Direct Connect) is transaction processing software that runs on Automated Teller Machines (ATMs). At present DACS-YDC supports the following product types shown as F8-1:
Version | Supported product types |
| DACS-YDC v1.0.0 | E22, E22L,F series (Support NDC/DDC Simply) |
| DACS-YDC v2.0.0 DACS-YDC v2.1.0 | E22,E22L,F series (Support NDC) |
| DACS-YDC v2.2.0 | E22,E22L,F series(Support NDC/DDC) |
| DACS-YDC v3.0.0 | E22, E22L, F series, G series, H series (Support NDC/DDC) |
v Major Functions
YDC system is a terminal control system that can work only when connected to the central application system (Central), as illustrated in F8-2:
YDC carries out transaction processing, maintenance operation (supervisor), and ATM status monitoring.
l Transaction processing: Complete transactions with the cardholder.
l Maintenance operation: Provide maintenance menu for the ATM operators to perform daily administration, like replenishing cash, print paper, and print ribbon, viewing the balance and configuring the local parameters.
l ATM status monitoring: Monitor the status of the ATM and reports exceptions both locally and remotely.
Apart from the above basic functions, you can configure the application parameters to customize the transaction status, screen display, and the card types that will be accepted.
v Supported Application Protocols
YDC supports the following two application protocols: NCR Direct Connect (NDC) and Diebold Direct Connect (DDC). This means that the YDC terminal can work in networks that support NDC and DDC without the need to change any configuration parameters in Central. It can also send messages to Central in NDC and DDC formats.
v Supported Protocols
The YDC terminal can have access to networks that use the following protocols:
l X.25
l SNA
l TCP/IP
Maintenance Operations
Maintenance Operations
Maintenance Menu
All the maintenance operations are performed on the maintenance terminal(diagnostic unit). These operations constitute a multi-level menu structure. At present, the maintenance terminal has four main menus, with each having its own submenus. The structure is shown below:
| Level 1 Menu | Level 2 Menu | Level 3 Menu | Level 4 Menu |
| 0 System Test | 0 Card Reader | | |
| 1 Receipt Printer | 0 Print Test | | |
| 1 Status Test | | ||
| 2 Journal Printer | 0 Print Test | | |
| 1 Status Test | | ||
| 3 Dispenser | 2 Cash Dispense | | |
| 4 Shutter Test | | | |
| 1 Daily Maintenance | 0 Note cassette operation | 0 Print Counter | |
| 1 Set Total Amount | | ||
| 2 Open Note Cassette | | ||
| 3 Note Dispense Test | | ||
| 4 Replenish Notes | | ||
| 1 Backup Comm Log | | | |
| 2 Backup Journal Log | | | |
| 3 Reboot ATM | | | |
| 4 Shutdown ATM | | | |
| 2 Privilege Maintenance | 0 Change Privilege Password | | |
| 1 Load Master Key | 0 DES Key(16 chars) 1 3DES Key(32 chars) | 0 Through Floppy | |
| 1 Through Keyboard(non-xor) | |||
| 2 Through Keyboard(xor) | |||
| 2 Load Comm Key | 0 DES Key(16 chars) 1 3DES Key(32 chars) | 0 Through Floppy | |
| 1 Through Keyboard(non-xor) | |||
| 2 Through Keyboard(xor) | |||
| 3 Error Code Query | | | |
| Maintenance Switch | | | |
Detailed Description
There is one sequence number in the front of each menu. By pressing one such number, you will enter the corresponding submenu, or the function of the corresponding menu will be performed. The instruction for operation is as below:
(Note: For all the operations above, if they are listed in the menu, you only need to press the corresponding numeric key. If additional messages need to be inputted, please remember to press “Enter” key after you finish, so that the system will accept what you input.)
System Test
Card reader test
Path: System test->Card Reader/Writer
Note: Test the status of the card reader/writer and then display the corresponding result. If it is found to be abnormal, the system will also display the data returned of the Card Reader/Writer and the error code for query. If any card is found to be in the Card Reader during the process of initialization, the Card Reader will retain it and record the retaining accordingly. After this, press any key to return to the system test submenu.
Receipt printer test
Print Test
Path: System Test->Receipt Printer->Print Test
Note: The system will first initialize the receipt printer, and then print a few lines of data, before it displays the corresponding status result. If it is found to be abnormal, the system will also display the data returned by the printer and the error code for query.
Status Test
Path: System Test->Receipt Printer->Status Test
Note: The system will initialize the receipt printer, and then display the status result. If it is found to be abnormal, the system will display the data returned by the receipt printer and the error code for query.
Journal printer test
Print Test
Path: System Test->Journal Printer->Print Test
Note: The system will first initialize the receipt printer, and then print a few lines of data, before it displays the corresponding status result. If it is found to be abnormal, the system will also display the data returned by the printer and the error code for query.
Status Test
Path: System Test->Journal Printer->Status Test
Note: The system will initialize the receipt printer, and then display the status result. If it is found to be abnormal, the system will display the data returned by the receipt printer and the error code for query.
Cash Dispensing Device
Path: System Test-> Cash Dispensing Device->Cash Dispenser
Note: The system initializes the dispenser, and then checks the status of the note cassette. After this, it will display the corresponding status result. If abnormal, it will also display the data returned by the dispenser and the error code for query.
Path: System Test ->Cash Dispensing Device->Cash Dispensing Device->Cash Dispensing Gate
Note: The system will test open/close of the shutter, and prompt the result after the test.
Path: System Test->Cash Dispensing Device->Shutter Test
Note: The system will immediately read the current status of the shutter and display the test result. After this, press any key to return to other test submenu.
Daily Maintenance
Print counter (Check the balance of the note cassette)
Path: Daily Maintenance->Note cassette Operation->Print Counter
Note: The system will display the balance of the note cassette. The system will display a list of the note cassettes. You can check the balance of one note cassette by pressing the corresponding numeric key. Please note that it is the number of bank notes left in each note cassette in the database. Press “Cancel” to return to the note cassette operation submenu.
Set the total number of cash
Path: Daily Maintenance ->Note cassette Operation->Set Total Number
Note: Similar to the case to query the note cassette balance, the system will first display the note cassette list. You can press the corresponding key to set total number of notes for the corresponding note cassette. The system will display whether setup succeeds or fails according to the actual condition. After this, press any key to return to the note cassette list, and then press “OK” to return to the note cassette operation submenu.
Open the note cassette
Path: Daily Maintenance ->Note cassette Operation->Open Note cassette.
Note: This operation opens the note cassette. Since the note cassette is locked when the ATM is powered on, you can draw out the note cassette only by this command. Don’t draw the note cassette until it is displayed on the screen that you can do so. After this is done, press “Cancel” key to return to the note cassette operation submenu. To return to the daily maintenance submenu, press “Cancel”.
Backup Comm Log
Path: Daily Maintenance ->Backup Comm Log
Note: The system will prompt to input the files date, and then insert the floppy to copy.
Backup Journal Log
Path: Daily Maintenance ->Backup Journal Log
Note: The system will prompt to input the files date, and then insert the floppy to copy.
Reboot ATM
Path: Daily Maintenance ->Reboot ATM
Note: The system will prompt “Are you sure to reboot (1-Yes/0-No)?”. To return to other operation submenu, press 0. If you press 1, the system will terminate all the processes in progress, and reboot Windows NT.
Shut down ATM
Path: Daily Maintenance->Shut Down ATM
Note: Similarly, the system will prompt accordingly when the ATM is to be shut down. After confirmation, the system will terminate all the processes in progress and exit Windows NT, and then display the dialog box of “You can power off the machine safely”. At this time, you can cut off the power to shut down the machine.
Change privilege password
Path: Privileged Maintenance ->Change Privileged Password
Note: The system will prompt the user first to input the current privilege password. The user can change the privilege password, only when the first input is correct. The password should be no more than 6 digits. The system will then prompt you to input the new password. Press “Enter” key and input the new password again. The password cannot be changed unless the passwords inputted in two separate times are consistent. When inputting the password, if you press the “Cancel” key, the operation will be cancelled. After the password is successfully changed, press any key to return to the privilege maintenance submenu.
Load Master Key from Floppy
Path: Privileged Maintenance-> Set master key
Note: Prepare the master key floppy with the “masterkey.txt” file in the “masterkey.txt”, you need to edit the 16 digits master key.
Remember the 16 digits should be in capital. for example,”A1A2A3A4A5A6A7A8”.
Insert the floppy
After that, select “Set master key”. it will prompt you “Success, press any key to continue”.
Take out the floppy
Load Master Key from Keyboard
Path: Privileged Maintenance-> Set master key -> DES Key(or 3Des Key) -> Through Keyboard(non-xor or xor)
Note: It is another way to input the master key. The operator could use the keyboard (numeric key and function key) to complete this operation.
Load Comm Key from Floppy
Path: Privileged Maintenance-> Set comm key
Note: Prepare the master key floppy with the “commkey.txt” file in the “commkey.txt”, you need to edit the 16 digits master key.
Remember the 16 digits should be in capital. for example,”A1A2A3A4A5A6A7A8”.
Insert the floppy
After that, select “Set comm key”. it will prompt you “Success, press any key to continue”.
Take out the floppy
Load Comm Key from Keyboard
Path: Privileged Maintenance-> Set comm key -> DES Key(or 3Des Key) -> Through Keyboard(non-xor or xor)
Note: It is another way to input the comm key. The operator could use the keyboard (numeric key and function key) to complete this operation.
Error Code Query
You can query the meaning of each specific error code, possible cause, and handling counter-measure. The error code is defined from 1, so the error code less than or equal to 0 is meaningless. For invalid error code, please refer to ‘Appendix 1 List of Error Code’.
Maintenance Switch
This command allows switching to the foreground for maintenance. The menu display and operation of the foreground are the same as that of the background.
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- What is YDC ?
- Maintenance Operations
- How to troubleshoot error code 1225 for card reade...
- How to troubleshoot “transaction fail”
- How to troubleshoot cash settlement
- How to troubleshoot network
- ATM Application Protocols
- Automated Teller Machine (ATM)
- How to Create Card Reader Firmware Update?
- NS Calibration Check
- Hard Disk Backup Format
- PM for E22
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- ATM Installation Procedure
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