Uyini umshini wokubala imali (ATM)?

Iyini i-ATM?

Ama-ATM ayimishini ekhipha ukheshi futhi ikuvumela ukuthi wenze okunye ukuthengiselana kwasebhange. I-ATM ngokuvamile iqukethe isikrini, isifundi sekhadi, ikhiphedi, isikhipha imali kanye nephrinta.

Umshini ozenzakalelayo wokukhipha imali (i-ATM) iyithuluzi lezokuxhumana ngogesi elenza amakhasimende ezikhungo zezezimali akwazi ukwenza imisebenzi yezezimali, njengokukhipha imali, ukufaka imali, ukudluliselwa kwezimali, imibuzo yebhalansi noma imibuzo yolwazi lwe-akhawunti, nganoma yisiphi isikhathi ngaphandle kwesidingo sokusebenzisana okuqondile. nabasebenzi basebhange.

Ama-ATM angatholakala ezindaweni eziningi emhlabeni jikelele. Ama-ATM asendaweni atholakala ezikhungweni zezimali ezifana namabhange nezinyunyana zezikweletu, kuyilapho lawo angaphandle kwezakhiwo evame ukunikezwa ezindaweni ezinjengezikhumulo zezindiza, izitolo zegrosa kanye neziteshi zikaphethiloli.

Ukusebenzisa i-ATM kuhilela nje ukufaka ikhadi lakho le-ATM elikhishwe yibhange, ufake i-PIN yakho bese ulandela imiyalo esibukweni ukuze uqedele okufunayo.

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Umlando

Umqondo wokusatshalaliswa kwemali okuphuma ngaphandle kwamahora waqale wasebenza e-Japan, e-United Kingdom nase-Sweden.

Ngo-1960, uLuther George Simjian wasungula umshini wokufaka imali ozishintshayo (ukwamukela izinhlamvu zemali, ukheshi namasheke) nakuba wawungenazo izici zokukhipha imali. Ilungelo lakhe lobunikazi laseMelika lafakwa okokuqala mhla zingama-30 kuNhlangulana 1960 futhi lanikezwa ngomhla zingama-26 kuNhlolanja 1963. Ukukhishwa kwalo mshini, obizwa ngokuthi i-Bankograph, kwabambezeleka iminyaka embalwa, ngenxa yengxenye yokuthi i-Simjian's Reflectone Electronics Inc. yatholwa yi-Universal Match. Inhlangano.

I-Bankograph yokuhlola yafakwa eDolobheni laseNew York ngo-1961 yi-City Bank yaseNew York, kodwa yasuswa ngemva kwezinyanga eziyisithupha ngenxa yokuntuleka kokwamukelwa kwamakhasimende.

Ngo-1962 u-Adrian Ashfield wasungula umcabango wesistimu yamakhadi ukuhlonza ngokuphephile umsebenzisi nokulawula nokuqapha ukuhanjiswa kwezimpahla noma amasevisi. Lokhu kwanikezwa i-UK Patent 959,713 ngoJuni 1964 futhi yabelwa i-Kins Developments Limited.

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Ukusungulwa

Idivayisi yaseJapan ebizwa ngokuthi "Umshini Wokubolekwa Kwekhompyutha" inikeze ukheshi njengemalimboleko yezinyanga ezintathu ngo-5% p.a. ngemva kokufaka ikhadi lesikweletu. Lolu cingo lwalusebenza ngo-1966. Nokho, kuncane okwaziwayo ngalo mshini.

Umshini wemali wasetshenziswa yibhange iBarclays, Enfield, e-United Kingdom, zingama-27 kuNhlangulana 1967, ohlonishwa njenge-ATM yokuqala emhlabeni. Lo mshini wavulwa ngumlingisi oyiNgisi u-Reg Varney. eholwa ngu-John Shepherd-Barron wenkampani yokunyathelisa i-De La Rue, owaklonyeliswa nge-OBE ku-Honours kaNcibijane ka-2005. Ukuthengiselana kwaqalwa ngokufaka amasheke wephepha akhishwa umthengisi noma u-cashier, amakwe nge-carbon-14 ukuze afundeke umshini futhi avikeleke, okwathi kumodeli yakamuva kwafaniswa nenombolo kamazisi enezinhlamvu ezine (i-PIN). U-Shepherd-Barron uthe "Kufike kwangithinta ukuthi kufanele kube nendlela engingathola ngayo imali yami, noma kuphi emhlabeni noma e-UK. umqondo we-chocolate bar dispenser, kodwa esikhundleni sikashokoledi ngokheshi."

Umshini we-Barclays–De La Rue (obizwa ngokuthi i-De La Rue Automatic Cash System noma i-DACS) wehlula amabhange okonga aseSweden' kanye nenkampani ebizwa ngokuthi umshini we-Metior's (ithuluzi elibizwa nge-Bankomat) ngezinsuku eziyisishiyagalolunye kanye nohlelo lwe-Smith Industries Chubb lwe-British Westminster Bank ( ebizwa nge-Chubb MD2) ngenyanga.Inguqulo eku-inthanethi yomshini waseSweden ibhalwe ukuthi yaqala ukusebenza ngomhla ka-6 Meyi 1968, kuyilapho ithi iyi-ATM yokuqala eku-inthanethi emhlabeni, ngaphambi kwezimangalo ezifanayo ze-IBM kanye ne-Lloyds Bank ngo-1971, kanye no-Oki ngo-1970. Ukusebenzisana kwesiqalo esincane esibizwa ngokuthi i-Speytec ne-Midland Bank kwakha umshini wesine owamakethwa ngemva kuka-1969 eYurophu nase-US yi-Burroughs Corporation. Ilungelo lobunikazi lale divayisi (GB1329964) lafakwa ngoSepthemba 1969 (futhi lanikezwa ngo-1973) nguJohn David Edwards, Leonard Perkins, John Henry Donald, Peter Lee Chappell, Sean Benjamin Newcombe, kanye noMalcom David Roe.

Kokubili i-DACS ne-MD2 zamukele kuphela ithokheni yokusetshenziswa okukodwa noma ivawusha egcinwe umshini, kuyilapho i-Speytec isebenza ngekhadi elinomugqa kazibuthe ngemuva. Basebenzise izimiso ezihlanganisa i-Carbon-14 kanye ne-low-coercivity magnetism ukuze benze ukukhwabanisa kube nzima kakhulu.

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INGABE UYACWANINGO
IBHIZINISI LE-ATM NOMA UNGENA
IFUNA IMISHINI YE-ATM
& IYAQHUBEKA I-ATM?

Singakwazi ukwenza ngokwezifiso i-CDM ne-ATM njengezidingo zamakhasimende, sizohlinzeka ngemidwebo ye-CAD kanye ne-3D esekelwe ohlelweni lwephrojekthi. Futhi singasekela ama-currecies angaphezu kwe-100, futhi samukele okwenzelwe wena uhlobo lwemali olungathuthukisiwe. Imojula efaneleka kakhulu izofaniswa nomphathi wethu wephrojekthi ochwepheshe ngokwezidingo zekhasimende, ukunciphisa izindleko nokwandisa izinzuzo. Senza izigaba ezintathu ze-QC ukuze siqinisekise ikhwalithi yomkhiqizo.

Singakwazi ukwenza ngokwezifiso i-CDM ne-ATM njengezidingo zamakhasimende, sizohlinzeka ngemidwebo ye-CAD kanye ne-3D esekelwe ohlelweni lwephrojekthi. Futhi singasekela ama-currecies angaphezu kwe-100, futhi samukele okwenzelwe wena uhlobo lwemali olungathuthukisiwe. Imojula efaneleka kakhulu izofaniswa nomphathi wethu wephrojekthi ochwepheshe ngokwezidingo zekhasimende, ukunciphisa izindleko nokwandisa izinzuzo. Senza izigaba ezintathu ze-QC ukuze siqinisekise ikhwalithi yomkhiqizo.

I-Shenjiang Intelligent Technology Co., Ltd ingahlinzeka ngezindlela eziningi zokuhamba ze.

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