This title slide is titled "ATM Operations in India." Its subtitle offers a comprehensive overview of mechanisms connecting banks for seamless card and UPI transactions.

ATM Operations in India

Comprehensive Overview of Mechanisms Connecting Banks for Seamless Card & UPI Transactions

This agenda slide outlines four key presentation sections: ATM Transaction Overview (initiation, bank connectivity, core types), Transaction Processes (PIN change, UPI mechanism, backend operations), Compliance & Security (PCI DSS standards, security measures), and Comparisons & Conclusion (ATM vs. POS differences, future enhancements). It provides a structured roadmap for the talk on ATM functionalities.

Presentation Agenda

1. ATM Transaction Overview

Initiation, bank connectivity, and core types.

2. Transaction Processes

PIN change, UPI mechanism, and backend operations.

3. Compliance & Security

PCI DSS standards and security measures.

4. Comparisons & Conclusion

ATM vs POS differences and future enhancements. Source: ATM Operations in India

The ATM Transaction Overview slide outlines key features like cash withdrawals via Debit/Credit cards or UPI, balance inquiries, and fund transfers between accounts. It emphasizes 24/7 customer-bank connectivity with seamless transactions across India.

ATM Transaction Overview

• Enables cash withdrawals via Debit/Credit cards or UPI.
• Supports balance inquiries for account details.
• Facilitates fund transfers between accounts.
• Provides 24/7 bridge between customers and banks.
• Ensures seamless transactions in India.

The slide depicts the Transaction Initiation Process workflow, with phases owned by the customer (card insertion/QR scan, PIN entry, service selection) or systems (ATM/Switch authorization request, issuer bank approval/decline). Durations range from instant to 1-3 seconds across these quick steps.

Transaction Initiation Process

{ "headers": [ "Phase", "Owner", "Duration" ], "rows": [ [ "Card Insertion/QR Scan", "Customer", "Instant" ], [ "PIN Entry", "Customer", "Few seconds" ], [ "Select Service", "Customer", "Few seconds" ], [ "Authorization Request", "ATM/Switch", "Milliseconds" ], [ "Approval/Decline", "Issuer Bank", "1-3 seconds" ] ] }

ATMs connect to bank networks like NFS, Visa, and Mastercard. A switch routes transactions to acquirer and issuer banks for real-time authorization and processing.

Bank Connectivity

• ATMs connect via NFS, Visa, Mastercard networks
• Switch routes transactions to acquirer, issuer banks
• Enables real-time authorization and processing

The "Transaction Types" slide is a table listing five ATM transactions—Cash Withdrawal, Balance Enquiry, Funds Transfer, Mini Statement, and PIN Change—along with their functions and supported methods. All support Debit/Credit cards, with UPI available for all except Funds Transfer and PIN Change (Debit only).

Transaction Types

{ "headers": [ "Transaction Type", "Function", "Supported Methods" ], "rows": [ [ "Cash Withdrawal", "Dispense cash from account", "Debit/Credit, UPI" ], [ "Balance Enquiry", "Check account balance", "Debit/Credit, UPI" ], [ "Funds Transfer", "Transfer to another account", "Debit/Credit" ], [ "Mini Statement", "View recent transactions", "Debit/Credit, UPI" ], [ "PIN Change", "Update ATM PIN", "Debit" ] ] }

Source: ATM Operations in India

ATM transactions involve unattended, cash-focused terminals for deposits and withdrawals, supporting debit/credit cards and UPI with EMV chip PIN authentication. POS transactions use attended, card-present terminals for merchant purchases only, with no cash handling and secure EMV chip verification.

ATM vs POS Transactions

Source: ATM Operations in India

The UPI payment mechanism at ATMs enables cardless transactions by scanning a QR code or selecting the cardless option. Users then enter their UPI PIN for instant NPCI authentication, allowing funds transfer without a physical card.

UPI Payment Mechanism at ATMs

• Scan QR code or select cardless option
• Enter UPI PIN for verification
• Instant authentication via NPCI
• Funds transfer without physical card

This slide serves as a section header titled "Security & Compliance." The subtitle emphasizes PCI DSS standards, including encryption, tamper-proof hardware, and a secure PIN change process.

Security & Compliance

Security & Compliance

PCI DSS standards: Encryption, tamper-proof hardware, secure PIN change process

Source: ATM Operations in India

The slide depicts the backend mechanism of ATMs, starting with the ATM initiating a transaction to the Switch. The Switch routes it to the Acquirer bank, which forwards to the Issuer for authorization, followed by the Issuer's response and hosts handling settlement.

Backend Mechanism of ATMs

!Image

• ATM initiates transaction to Switch
• Switch routes to Acquirer bank
• Acquirer forwards to Issuer for auth
• Issuer responds; hosts handle settlement

Source: Wikipedia

The conclusion slide emphasizes that ATMs currently ensure seamless banking, under the subtitle "Seamless Today, Innovative Tomorrow." It highlights future innovations like contactless technology and AI fraud detection to enhance financial inclusion in India.

Conclusion

ATMs ensure seamless banking; future: Contactless, AI fraud detection. Enhances financial inclusion in India.

Seamless Today, Innovative Tomorrow

Source: ATM Operations in India