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Posted by / 21-Apr-2020 06:58

Tricom validating machine

The IBM 2984 was a modern ATM and came into use at Lloyds Bank, High Street, Brentwood, Essex, the UK in December 1972.The IBM 2984 was designed at the request of Lloyds Bank.Both the DACS and MD2 accepted only a single-use token or voucher which was retained by the machine, while the Speytec worked with a card with a magnetic stripe at the back.

It allowed users to replace traditional customer verification methods such as signature verification and test questions with a secure PIN system.According to the ATM Industry Association (ATMIA), as of 2015Adrian Ashfield invented the basic idea of a card combining the key and user's identity in February 1962. He was paid ten shillings for this, the standard sum for all patents.This was granted UK Patent 959,713 for "Access Controller" in June 1964 and assigned to W. It was originally intended to dispense petrol but the patent covered all uses.If the currency being withdrawn from the ATM is different from that in which the bank account is denominated, the money will be converted at the financial institution's exchange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.Customers are typically identified by inserting a plastic ATM card (or some other acceptable payment card) into the ATM, with authentication being by the customer entering a personal identification number (PIN), which must match the PIN stored in the chip on the card (if the card is so equipped), or in the issuing financial institution's database.

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In the US patent record, Luther George Simjian has been credited with developing a "prior art device".

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