Computer Networks: Automatic Teller Machine (ATM)

Computer Networks: Automatic Teller Machine (ATM)

An ATM (Automatic Teller Machine) also referred to as an Automated Banking Machine, is an electronic telecommunications appliance that allows banking customers to carryout financial transactions, predominantly cash withdrawals with no need for an actual clerk, cashier or bank teller. ATM machines allow users to access their credit or deposit accounts and make an assortment of transactions that include balance checks, withdrawals, as well as crediting of mobile phones. In order to facilitate the transactions, ATMs are preconfigured with application protocols and messages that allow the user to perform their preferred transaction smoothly.

ATM Protocol message:

Below is an example of ATM protocol messages preconfigured on an teller machine to centralized banking server:

Hello <userid> this notifies the bank’s centralized server that a card has been inserted into the ATM machine. The ATM card then transmits it id to the server for verification. Password <password> this prompts the user to enter their card’s corresponding PIN which is also sent to the server for authentication. Once the authentication is successful, BalanceCheck the user requests for a balance mini-statement. This query is sent to the server and the server returns with a balance amount.

This is followed by the Withdrawal <amount> the user requests to withdraw cash and this request is forwarded to the server. At the centralized server, the withdrawal amount is checked against the account balance and withdrawal limit and if successful the ATM dispenses money. This is followed by a Thank You or checkout message and the ATM returns card.


TCP – transmission control protocol is one of the most commonly used protocols on the internet. Both User Data Protocol and TCP are protocols used in transmitting data over a local network or the internet. Both protocols build on the internet protocol by sending data to an IP address. These packets of data are treated in the same manner while being transmitted from a computer through intermediary routers to the destination through both protocols.

There are differences between UDP and TCP. Some of these differences are on reliability

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