manual
Triton Systems ©
10
A customer begins a transaction by inserting their ATM card into the card reader on the terminal. e card
must be fully inserted so that the magnetic stripe and/or EMV chip can be read properly. For EMV transac-
tions, the card must be removed prior to cash being dispensed. If card is inserted incorrectly, a warning mes-
sage will be displayed on screen.
Once the card has been read successfully, the customer must enter their PIN code. Once the PIN is entered,
transaction type and account are selected. Next, the desired amount of transaction is entered. A surcharge
message, if applicable, can appear at the beginning or end of the customer transaction based on preferences
set within Management Functions. e transaction is typically processed within seconds. If the transaction
processes successfully, the customer is prompted to retrieve the requested cash and/or the transaction receipt.
If the transaction is declined, a receipt indicating the problem is printed. e gure below shows how ATM
transactions are handled.
e ATM sends the customer transaction request to a processor. A processor is a nancial intermediary, such
as an independent sales organization (iso), bank, or other institution that provides transaction processing ser-
vices for ATMs. e ATM must be set up with a processor before customer transactions can take place.
e processor routes the transaction to the appropriate ATM network, then selects the appropriate ATM
network to use based on factors like the type of ATM or credit card used and location of customer’s bank. e
transaction may be transferred between several networks before ultimately reaching the customer’s bank or
credit card company.
An ATM network is a regionally or nationally organized clearing house for nancial transaction that deals
directly with the appropriate nancial institution, such as the customer’s bank or credit card company, in order
to complete the transaction. e ATM network routes the transaction to the appropriate institution, conrms
successful completion of transaction, and sends a conrmation message back to the processor. If the process
was for a cash withdrawal, an electronic funds transfer (EFT) takes place to debit the funds and any applicable
surcharge from the customer’s account and credit the funds to the processor’s bank account.
e processor forwards a conrmation message and authorization to dispense currency to the ATM. e
ATM dispenses requested currency and a receipt of the transaction. e processor then credits the merchant’s
account for the amount of any cash withdrawals plus surcharge fees typically by the end of the next business
day.