ATM is also called ATM (abbreviation of ATM), which means ATM, because most of it is used to withdraw money. It is a highly sophisticated electromechanical integration equipment, which uses magnetic code cards or smart cards to realize self-service of financial transactions instead of the work of bank counters. You can withdraw cash, query deposit balance, transfer between accounts, query balance, etc. You can also do cash deposit (real-time entry), check deposit (not provided in China), passbook replacement, intermediary business and so on. Cardholders can use credit cards or savings cards to handle automatic withdrawal, balance inquiry, transfer, cash deposit, passbook replacement, fund purchase, password change, mobile phone bill payment and other services according to passwords.
2065438+In March, 2009, the People's Bank of China issued a notice that ATM transfers can be received in real time without waiting for 24 hours.
I. Type of equipment
According to the installation location, ATMs can be divided into outdoor ATMs, indoor ATMs and independent ATMs.
Indoor: According to the usage of ATM, indoor ATM can be divided into lobby type and wall-mounted type.
Outdoor: According to the requirements of safety performance, outdoor ATMs are semi-closed and fully closed. Fully enclosed ATMs can be further divided into squares and circles according to their appearance. Square is generally called outdoor ATM, and circle is generally called ATM protection cabin.
Second, the application tools
(1) International
1. visa
Visa International Service Association (also translated as Visa and Visa) is a credit card brand, which is operated and managed by Visa International Service Association in San Francisco, California, USA. VISA International is a non-stock and non-profit international bank card organization, which consists of more than 26,5438+0,000 members from global financial institutions. VISA card was issued in 1976, and its predecessor was American bank card issued by Bank of America.
2. MasterCard
MasterCard International established an internationally accepted credit card system in the late 1950s and early 1960s, and it became popular all over the world. 1966 established the Interbank Offered Rate Association. 1969 the bank card association purchased the patent right of Master Charge, and unified the name and style of the credit card of the issuing bank.
(2) Domestic
1. UnionPay
UnionPay means that if your bank card has the UnionPay logo in the lower right corner, then your card is UnionPay card. Generally, most of the bank cards handled by major domestic banks are UnionPay cards, and cash can be withdrawn from any ATM with UnionPay logo in China. Finally, it should be noted that you are advised to withdraw money from the local bank as much as possible, because there is a handling fee in other banks.