atm presentation
TRANSCRIPT
Consumer Banking DivisionConsumer Banking Division
Bank Al Habib LimitedATM System30th November, 2004
Prepared by: Huma Yousaf MT-02-02 Rubina Yasmin MT-02-04
Fariha Nawaz MT-02-05 Ata-ur-Rab Arshad MT-02-09 Ahmad Nadeem MT-02-22 Shoaib Khalid MT-02-12 Ghulam Rabani MT-02-28
Submitted To:
Sir, Farhan Azmat Mir
Consumer Banking DivisionConsumer Banking Division
INTRODUCTION BANK AL-HABIB
LIMITED
Consumer Banking DivisionConsumer Banking Division
BACKGROUND & ESTABLISHMENTBACKGROUND & ESTABLISHMENT
• Sponsorship Dawood Habib Group• Experienced in Banking Habib sons Bank Limited,United Kingdom,Habib Overseas Bank Ltd., Habib African Bank Ltd(Tanzania)• Bank Al-Habib Ltd was established in October 1991.It started operations as scheduled retail commercial Bank in January 1992 trough notification of Govt. of Pakistan. The establishment is under privatization policy.
Consumer Banking DivisionConsumer Banking Division
VISIONVISION
• Bank Al-Habib vision is to get number one grading in ranking of state Bank of Pakistan. Customer satisfaction is the key to success and have values setting for customer satisfaction.
Consumer Banking DivisionConsumer Banking Division
MISSIONMISSION
• A place of world wide business for customer satisfaction.
• Bank Al-Habib at your service national wide.• Give your business new opportunities of
success.
Consumer Banking DivisionConsumer Banking Division
OBJECTIVEOBJECTIVE
“ To earn money from money by providing best services to their customers is the organizational objective” “ To provide free life insurance” “ To provide disability benefits” “ Car Financing” “ Accidental Cover”
Consumer Banking DivisionConsumer Banking Division
Administrative StructureAdministrative Structure
DirectorGeneral Manager Deputy GM
Assistant CM
Sub CM CM Sub Manager
Manager
Assistant Manager
G-I G-II G-III
Consumer Banking DivisionConsumer Banking Division
CULTURECULTURE
The Bank Al-Habib Ltd has strong culture in its every branch. They have a set of rules and regulations. They make this thing possible that every one has to follow those rules and regulations. In Bank Al-habib Ltd there is reward system for the employees who will perform best.
Consumer Banking DivisionConsumer Banking Division
SERVICESSERVICES
• Real time online banking• Tele banking• ATM facility• Current and deposit accounts for corporate and
individuals clients• Monthly income scheme which offer excellent rate of
profit to small server on monthly basis.• Foreign currency accounts.• Finance through loans and other credit facilities.
Consumer Banking DivisionConsumer Banking Division
• Foreign trade• Acceptance and replacement of funds in inter bank
market.• Trade information research.• Local / Foreign Remittance.• Purchase and sale of Govt. securities and local
cheques clearance with in 24 hours.
Consumer Banking DivisionConsumer Banking Division
ORGANIZATION FUNCTIONORGANIZATION FUNCTION
Bank deal three types of functions:
General Loans & Advances Foreign exchange
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Consumer Banking DivisionConsumer Banking Division
What is ATM ?What is ATM ?
An automatic teller machine (ATM) is an electronic device which allows a bank's customers to make cash withdrawals and check their account balances at any time without the need for a human teller.
Consumer Banking DivisionConsumer Banking Division
History of ATMHistory of ATM
• Don Wetzel invented the first successful and modern ATM in the USA .
• The concept of the modern ATM first began in 1968 .• a working prototype came about in 1969 and Docutel was
issued a patent in 1973. • Firstly ATM was cash dispenser only.• Then next version created in 1971 Which:-
• takes deposits • transfers money from checking to savings • takes payments
Consumer Banking DivisionConsumer Banking Division
Chronology of ATM at Bank-AL-Habib Chronology of ATM at Bank-AL-Habib
• Research and Development
•Compatibility with existing Banking System IT/CEBD/S&P and Audit
• Designing of ATM Stationery•Operational Manual by Systems and Procedures
3 month Soft launch to check system viability by in-house development teamOfficial Launch on 6th June 2002 with 300 ATM Cards for our Zamzama Branch Customers.
Agreements Signed with Vendors
–Diebold ATMs - M/S Gestetner (Pvt.) Ltd.
–Phoenix/ACCeSS S/W - M/S T.P.S
–Purchase of ATM and card production software Transaction Processing Systems Ltd.
— First ATM delivered at ZAMZAMA branch
NOV 2001
NOV 2001
NOV 2001
1st Quarter
2002
2nd Quarter
2002
1st Quarter
2003Bank al Habib joins the 1 Link Switch
2nd
Quarter
2004
1 Link gets inter-connected with MCB M-Net Switch, allowing Bank-al-Habib customers a wider network of ATM facilities
Consumer Banking DivisionConsumer Banking Division
What is ATM ?What is ATM ?
• Automated Teller Machines• Plastic Money• Alternate of Cash• Modern Form of Pocket Bank• 24 hour availability of cash
• With your new ATM card you can now:
1: Withdraw Cash 2: Make a Balance Inquiry. 3: Get an instant printout of your account balances 4: Get a printout of your last transactions (Mini-
statement) on the spot. 5: Change your PIN (Personal Identification Number).
Consumer Banking DivisionConsumer Banking Division
Situation Prior to June 2002Situation Prior to June 2002
Need established for Electronic Banking Need established for Electronic Banking productsproducts
• Reasons attributed
• Competition among growing financial institutions
• Consumerism on the rise
• Branch/Teller load reduction strategy
• Mandatory Requirement of State Bank of Pakistan for Electronic Banking
Consumer Banking DivisionConsumer Banking Division
ProcedureProcedure
Issuance of ATM Card
Consumer Banking DivisionConsumer Banking Division
AccountsAccounts
• The necessary thing for the issuance of ATM card is that customer must have account in the bank.
• Accounts may be of many types but common are
• Current
• Saving
Consumer Banking DivisionConsumer Banking Division
ATM ApplicationATM Application
• Applications received
from respective
branches, where
customer accounts are
maintained
• Application process is
free of charge
Consumer Banking DivisionConsumer Banking Division
Verification before IssuanceVerification before Issuance
• Verification process by respective branch
managers before sending to Consumer Banking
Division
• Accuracy of Data, i.e. name, A/c Number is
verified
• Designated staff at CBD assigned to input
relevant data into Card production software• Cards are delivered to customer at the address
given in the form via courier
Consumer Banking DivisionConsumer Banking Division
Procedure Through DiagramProcedure Through Diagram
Bank Account
No Open Account
Yes
ATM ApplicationVerification Process
Not Verified
Verified
CBD
ATM Card
Customer
Consumer Banking DivisionConsumer Banking Division
PIN GenerationPIN Generation
• As cards leave the CBD, the pins are produced by authorized designated staff
• Pins put in dual sealed envelopes are sent to respective branches where it is maintained by designated officers and branch managers
• After production and generation of pins, the card data is migrated to the ATM software PHOENIX
• Customer receives the pin from his respective branches
Consumer Banking DivisionConsumer Banking Division
Consumer Banking DivisionConsumer Banking Division
Responsibility of CBD
Migration of Data into ATM Software
Responsibility of Branch
Receives the PIN and the same officer activates it by assigning ATM
Account Condition in the Banking System
CARD ACTIVATIONCARD ACTIVATION
Consumer Banking DivisionConsumer Banking Division
ATM Limits AssignedATM Limits Assigned
Individual Account Holder
PKR 25000 per card per day
That means, PKR 10,000 per transaction and up-to PKR 25000 maximum
In Case of Joint Account holder
2 cards in case of either or survivor
The limit increases to PKR 50,000
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Consumer Banking DivisionConsumer Banking Division
ATM NetworkingATM Networking
• Most ATMs are connected to interbank networks
• Enabling people to withdraw money from machines not belonging to the bank where they have their account
• This is a convenience, especially for people who are traveling
Consumer Banking DivisionConsumer Banking Division
ONE-LINK / M-NET SWITCHONE-LINK / M-NET SWITCH
All banks with an ATM is your All banks with an ATM is your ATMATM
Consumer Banking DivisionConsumer Banking Division
Need for ConnectivityNeed for Connectivity
• State Bank of Pakistan has made it a mandatory Requirement for all Banks offering ATM services to join 1 Platform/switch
• As of March 16,2004 the two main switches M-NET & 1-Link have been inter-connected thus allowing account holders to draw cash at any ATM location nationwide
• On this occasion Governor SBP Dr.Ishrat Hussain remarked :
““the financial sector has moved closer towards achieving e-commerce framework in the country."
Consumer Banking DivisionConsumer Banking Division
1-Link Switch1-Link Switch
• Karachi,Pakistan: April 25, 2003: 1 LINK Switch, a nationwide inter-bank shared network was officially launched at a ceremony held at ABN AMRO Bank today.
• 1 LINK represents some of the largest banks of Pakistan that have joined hands to provide convenience of nation-wide self service banking to their joint customer base and to any other bank that joins 1 LINK switch.
• 1 LINK member banks include Allied Bank, ABN AMRO Bank, Habib Bank, Askari Commercial Bank, United Bank Limited, Soneri Bank, Union Bank, Bank Al-Habib, Bank Al-Falah, National Bank and PICIC Commercial Bank.
• 1 LINK is an expansion of the currently operational "ATM Switch" network, which was co-founded by ABN AMRO, Askari Bank and Habib Bank several years ago.
• With this historical launch, 1 LINK will become the largest ATM network in the country allowing respective member banks' customers’ instant access to cash from over 200 ATMs in different cities nationwide.
Consumer Banking DivisionConsumer Banking Division
Participating BanksParticipating Banks
Consumer Banking DivisionConsumer Banking Division
MNet SwitchMNet Switch
• SBP wants the two operators to ensure uninterrupted availability of service to cardholders at all facilities and touch points of the two switches
• At present there are two independent platforms operating in the country. One known as MNET is wholly owned and operated by MCB
• The member banks on MCB owned MNET switch are: Citibank; Standard Chartered; American Express; Faysal Bank; Habib Bank AG Zurich; First Women Bank Ltd; HSBC; Credit Agricole Indosuez; Bolan Bank Ltd; Saudi Pak Bank Ltd; Bank of Punjab; KASB Bank; Bank of Khyber; Prime Commercial Bank; Metropolitan Bank Ltd; Mashreq Bank Pakistan Ltd; Deutsche Bank Ltd.
Consumer Banking DivisionConsumer Banking Division
Participating BanksParticipating Banks
Consumer Banking DivisionConsumer Banking Division
ATM charges with Participating BanksATM charges with Participating Banks
• Rs.15 per withdrawal on any amount
• No charge on balance inquiry
• Rs.15 per withdrawal on any amount
• Rs. 5 on balance inquiry
Consumer Banking DivisionConsumer Banking Division
MCB (Main)BAH (Main)
Communication Between the Banks
Consumer Banking DivisionConsumer Banking Division
Consumer Banking DivisionConsumer Banking Division
Dispute TransactionsDispute Transactions
All Settlement / Dispute Transactions
• Branch’s own customer Branches themselves on a daily basis do
the balancing and settle right away
• All other cases related to 1 Link or MNET must be forwarded through CBD and settlement time takes 10-15 days approximately
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Consumer Banking DivisionConsumer Banking Division
ATM CONTEX LEVEL DIAGRAMATM CONTEX LEVEL DIAGRAM
Auto-tellersystem
Securitysystem
Maintenancesystem
Accountdatabase
Usagedatabase
Branchaccounting
system
Branchcountersystem
Consumer Banking DivisionConsumer Banking Division
Verifying Card And Pin GenerationVerifying Card And Pin Generation
Capture Theft Card
Invalid Card
Time Out
Card
y
Returny
N
N
Returny
N
Request Pin
User
CodeInaccurate
Pin
Re-Enter
Inaccurate
y
y
Re-Enter
Inaccurate
Return
y
N
N
N
Acc.Info
User Service
Consumer Banking DivisionConsumer Banking Division
Simple User TransactionSimple User Transaction
Main screen display
Request Password
VerifyAccount
Request Acc type
Request Amount
Process Transacti
on
DISPENSE CASHREQUEST TAKE
CASH
Request Continuation
Take CashTransaction Succeed Enter
Amount
Continuation
Insert cardReadable
ENTER PASSWOR
D
Account OK
Wail 5 Sec.
ENTER ACC TYPE
Consumer Banking DivisionConsumer Banking Division
STATE DIAGRAM FOR CLASS ATMSTATE DIAGRAM FOR CLASS ATM
Wait for networkresponse
Interrupt canceled messg
Main screen display main screen
request passwd verifyaccount
requestAc type
Unreadable unreadable card messg
Cancelcancel messg
request amount
process transaction
Card ejecteject card ;
request take card
Dispense cashRequest take cash
Request Continuation
take cash
cancel transaction succeed
Finishprint receipt
bad account messg
failure messg
enteramount
network response
takecard
continuation
insert card[readable]
enter passwd cancel
bad passwd
cancel
cancel
Account OK
wait 5 sec.
cancel
transaction failed
bad account
enter acc type
insert card[unreadable]
cancel
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Consumer Banking DivisionConsumer Banking Division
AdvertisementAdvertisement
Consumer Banking DivisionConsumer Banking Division
Entering PasswordEntering Password
Consumer Banking DivisionConsumer Banking Division
Account TypeAccount Type
Consumer Banking DivisionConsumer Banking Division
Cash Withdrawing OptionsCash Withdrawing Options
Consumer Banking DivisionConsumer Banking Division
AmmountAmmount
Consumer Banking DivisionConsumer Banking Division
Verifying AccountVerifying Account
Consumer Banking DivisionConsumer Banking Division
Transaction ProcessingTransaction Processing
Consumer Banking DivisionConsumer Banking Division
Receipt of CashReceipt of Cash
Consumer Banking DivisionConsumer Banking Division
Consumer Banking DivisionConsumer Banking Division
Entering AmmountEntering Ammount
Consumer Banking DivisionConsumer Banking Division
Transaction ProcessingTransaction Processing
Consumer Banking DivisionConsumer Banking Division
Question is HOW all these ATM and Debit Card Transactions take place after
Hours ?
• End of day Phoenix transfers all the
balances on ATM Server and transactions are
carried through those available balances
• During Card Production Same card is activated
for Debit Card.
Consumer Banking DivisionConsumer Banking Division
ATM InfrastructureATM Infrastructure
User ATM
ServerModem(E1)
Exchange
Exchange
ATM
Modem(E1) Server
Router
Phoenix
Borewala(sub)
Multan(Main)
switch
VSAT
EODBOD
Consumer Banking DivisionConsumer Banking Division
Phoenix
MNET1-LINK
SUB
MCB(ONLINE)
MCB(OFFLINE)
VSAT
BAH (MAIN-ONLINE)
Case-1Case-2Case-3Case-4
Service not available
EOD
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Consumer Banking DivisionConsumer Banking Division
Remote LocationRemote Location
Consumer Banking DivisionConsumer Banking Division
Controlling TransactionControlling Transaction
Consumer Banking DivisionConsumer Banking Division
ATM Components StatusATM Components Status
Consumer Banking DivisionConsumer Banking Division
Host SummaryHost Summary
Consumer Banking DivisionConsumer Banking Division
City InformationCity Information
Consumer Banking DivisionConsumer Banking Division
Security IssuesSecurity Issues
• PIN Code Issues
• Avoid writing pin code
• Setting password
• Avoid personal relevance
Consumer Banking DivisionConsumer Banking Division
Precautions For Making TransactionPrecautions For Making Transaction
Keeping of card at secured place
Take the card out before transaction
Stand directly in front of the ATM
Cares after making transaction
Vehicle parking
Be alert!
Consumer Banking DivisionConsumer Banking Division
Telebanking & ATM’s Telebanking & ATM’s
24 Hours automated
service
Same ATM card to be used
Balance Inquiry
Mini Statement i.e. Last 5 Transactions
PINChange
Product Details / Branch Details
Card Blockagein case of theft
Consumer Banking DivisionConsumer Banking DivisionConsumer Banking DivisionConsumer Banking Division
ATM Projections ATM Projections
Details Present Status From End of 2004End of 2005 (15%
Increase)End of 2006 (25%
Increase)
January 2004 till April 25, 2004
ATM Cards 12,850 44,300 Cards 50,950 Cards 63,687 Cards
Transaction Amount in PKR 1.09272 Billion 3.788 Billion 4.356 Billion 5.445 Billion
Calculation is Based upon:
Number of CardsTransaction Amount in PKR
From January, 2004 till April 25, 2004 12850 1.0927 Billion
From January, 2004 till December 2004Avg Cards Per Month = 850 * 37 (Number of Weeks Left)(12850 / 15 = 850 * 37 = 31450 + 12850 = 44300)
44,300 3.788 BillionAvg TXN Per Month = 72.8 Million * 37 (Number of Weeks Left)(1.0927 / 15 = 72.8 * 37 = 2.69537 + 1.09272 = 3.788 Billion
Consumer Banking DivisionConsumer Banking DivisionConsumer Banking DivisionConsumer Banking Division
Future Outlook
Going into partnership with Visa Electron
300,000 ATM’s all together worldwide which will be fully interconnected for Debit Card
Same ATM Card will be used worldwide on all ATM’s where VISA logo is displayed
Transactions will be carried through Visa
•Settlement will take place through Visa
Consumer Banking DivisionConsumer Banking DivisionConsumer Banking DivisionConsumer Banking Division
UTILITY BILL PAYMENT
Payments to PTCL and Sui-Southern Gas Through the same ATM
Payment of Utility Bills through IVR
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Future Outlook
Consumer Banking DivisionConsumer Banking Division
Machine LocationMachine Location
Consumer Banking DivisionConsumer Banking DivisionConsumer Banking DivisionConsumer Banking Division
Future Outlook
Free Telebanking
IVR (Integration Voice Recordation)
Cash Deposit
Consumer Banking DivisionConsumer Banking Division
Any Question?
Consumer Banking DivisionConsumer Banking Division
Parts of ATM MachineParts of ATM Machine
Card Reader.
Key Pad.
Speaker.
Display Screen.
Receipt Printer.
Cash dispenser.
Consumer Banking DivisionConsumer Banking Division
Parts of ATM MachineParts of ATM Machine
Consumer Banking DivisionConsumer Banking Division
ATM Card InformationATM Card Information
Consumer Banking DivisionConsumer Banking Division
ATM Card InformationATM Card Information
ATM Card contains following information:
ATM Machine No.
Bank No.
Account No.
Mega strip.
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