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An automated teller machine ATM or cashpoint British English is an electronic telecommunications device that enables customers of financial institutions to perform financial transactions , such as cash withdrawals, deposits, funds transfers, or account information inquiries, at any time and without the need for direct interaction with bank staff. Many ATMs have a sign above them indicating the name of the bank or organisation that owns the ATM, and possibly including the networks to which it can connect.
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 If the currency being withdrawn from the ATM is different from that in which the bank account is denominated, the money will be converted at the financial institution’s exchange rate.
The idea of out-of-hours cash distribution developed from bankers’ needs in Japan, Sweden, the United Kingdom, and the United States. The device was operational in Adrian Ashfield invented the basic idea of a card combining the key and user’s identity in February He was paid ten shillings for this, the standard sum for all patents.
It was originally intended to dispense petrol but the patent covered all uses. In the US patent record, Luther George Simjian has been credited with developing a “prior art device”. Specifically his nd patent US , which was first filed on 30 June and granted 26 February The roll-out of this machine, called Bankograph, was delayed by a couple of years, due in part to Simjian’s Reflectone Electronics Inc.
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