ATM kya hai aur kaise kam karata hai.


Kya aap jante hain ki ye ATM kya hai aur ye kaise kam karta hai? aap sabhi ne to ATM ke bare men pahle suna hi hoga. par shayad aap ye nahin jante honge ki ye kam kaise karta hai. yadi aap eske bare men jante hain to ye bahut achchhi bat hai aur yadi nahin to koi bat nahin kyunki aaj men aap logon ko atm kya hai aur kaise use kare? ke bare men puri janakri dene ja raha hun jisse aap apne sare doubts clear kar sakenge.
Pahle ye jan lete hai ke ATM ka full form kya hai? iska full form hai Automatic Teller Machine (ATM), jo ki ek automatic banking machine (ABM) bhi hai iske sath jo ki sabhi customer ko apne basic transactions ko purn karne ke liye madad karta hai aur vo bhi bina kisi bank representatives ke help ke bina. dekha jaye to mukhyat do prkaar ke Automatic teller machine (ATMs) hain. pahla vala jo ki basic ATM hai jo ki Customers ko paise nikalne (withdraw) aur apne account report dekhne ke lia madad karta hai. vahin dusra ATM thoda complex hai kyunki iske kam thoda complex hain, jaise ismen aap deposit, credit card payment facilities aur account information ko report kar sakte hain. to bina deri kiye chalia shuru karte hain aur jante hain ki aakhir ye ye ATM kya hota hai aur ise use karne ka tarika ki puri janakri hindi men.
ATM kya hai – What is ATM in Hindi
Maine to pahle hi bata chuka hun ki ATM ka full form hai Automatic Teller Machine. ye ek Electronic device hai jise keval bank ke customer hi estmal kar sakte hain kisi bhi account sambandhit transaction karne ke lia. yahan Users apne account ko access karne ke lia ek special type vala plasic card ka estmal karte hain jismen ki user information pahle se hi us card ke pichhle bhag men ek magnetic strip ke upar encode hokar rahta hai. ye magnetic strip men ek identification code rahta hai jo ki card ke estmal par us identification code ko bank’s central computer ko modem ke dvara bheja jata hai. to jab user apna card ATM men insert karta hai apna account access karne ke liye tabhi us identification code ko matching automatically hoti hai jisse agar code match ho gaya tab account transaction ko process kiya jata hai.
ATM ka Itihas (ATM History in Hindi)
ATM ya automatic teller machine ke avishkarak the John Shepherd-Barron jinhonne san 1960men iska aviskar kiya tha. Ise hindi men svchalit ganak mashin kahte hain. Iske sath Automatic banking machine, cash point, Bankomat bhi kahte hain. adhunik ATM ki pidhi ka pryog sabse pahle 27 jun, 1967 men londan ke barkele baink ne kiya tha. esse pahle 1960 ke dashak men etiam (ATM) ko bainkograph naam se jana jata tha, mana jata hai ki landan men eska sabse pahle estemal hua aur eske aavishkar ka shrey John Shepherd-Barron ko diya jata hai. unka janm britishkaalin bharat men 23 jun 1925 ko meghalay ke shilang men hua tha.bairan atm ka pin 6 dijit ka karne ke paksh men the, lekin unki patni ne unse kaha ki 6 dijit jyada hai aur log ese yaad nahin rakh payenge.is karan bad men unhonne 4 dijit ka atm pin banaya. aj bhi 4 dijit ka hi pin chalan men hai.
Bharat men pahli bar 1987 men atm ki suvidha shuru hui thi. bharat men pahla atm honcon and shangaai banking corporation (HSBC) ne mumbai men lagaya tha. vartman men atm ka pryog dinacharya ka mahattvpurn ang ban gaya hai. chunki avishkar jab bhi hota hai uski avashkta hi uski janak hoti hai. usi tarah ATM ki jarurat pashchim desho men tab padi jab un logo ya vittiy sansthaon ko cash sambdhi kam niptane vale karmchaarion ki vetan badhane ki mang aur well skilled logo ki kami ke chalte sansthaon ko pareshaani ka samna karna padta tha.
Isiliye ATM ke aviskar hone ke bad Bank ke bahut se kam ATM ke dvara sambhav ho paya kyunki ismen self service men bahut kam kiya ja sakta hai. Iske liye bank karmchari ke upar nirbhar hona nahin pdta. par jab ATM ka idea iske avishkarak ke man men aya to unhen bahut mushkilon ka samna karna pda. kyonki us samay men bhi bank paise ke len den ko kaphi sanvedanshil mamla mante the aur aise bhi paise ko kisi mashin ke bharose chhodne ko unhonne svikar nahin kiya. ye ek bada jokhim tha lihaja koi bhi baink iske istemal ko taiyar nahin hua. Iske bad bhi luthar ne himmat nahi hari aur lagatar iske vikas men usne apni jindgi ke 21 sal lagatar kharch kiye jiske bad usne ‘jun 1960’ men iske petent ke liye avedan kiya. aur February 1960 ko use iska petent mil bhi gaya.
Automatic Telling Machine ke Devices:
The Automatic telling machine me mainly two input devices and four output devices hote Hain.jiske bare me niche bataya gaya hai.
Input Devices:
1. Card reader
2. Keypad

Output Devices:
1. Speaker
2. Display Screen
3. Receipt Printer
4. Cash Depositor
ATM ke Input Devices:
• Card Reader:
Card Reader ek Input device hai jo ki Card se data read karta hai. Card Reader kisi nirdharit account ki identification ki ek part hoti hai, eske sath Magnetic strip jo ki ATM card ke back side men mehjud rahta hai uska estmal Card Reader ke sath connection banane ke lia hota hai. jab card ko Card Reader men Swipe kiya jata hai tab vo us Magnetic strip men mehjud sare information ko capture kar leta hai i.e vo data jo ki card se milta hai use host processor (server) ko pass kar diya jata hai. phir Host Processor us data ka estmal kar card holders ke bare men information nikalta hai.
• Keypad:
Card ko tabhi recognized kiya jata hai jab machine apko further details ke baare men puchhta hai jaise ki apki Personal Identification Number (PIN), withdrawal aur apki Balance Enquiry. sabhi Card ke unique PIN hote hain taaki bahut hi kam chance hoti hai ki koi dusra kisi aur ke account se paise uthaa le. Pin Code ko protect karne ke lia alag niyam hain jab ese host processor ke pas bheja jata hai. PIN ko encrypted form men bhejaa jaataa hai. Key Board men 48 keys hote hain aur unhen processor ke saath interface kiya jata hai.
ATM ke Output Devices:
• Speaker:
Speaker audio feedback paida karti hai jab bhi koi particular key ko press kiyaa jata hai.
• Display Screen:
Display Screen transaction ki jankari ko display karta hai. Withdrawl ke sabhi steps ko display screen men dikhaya jata hai. CRT Screen yaa LCD Screen ka estmal sabhi ATMs men hota hai.
• Receipt Printer:
Receipt Printer aapki puri details jaise ki apki Withdrawl, date and time, Amount jo ki withdraw kiya gaya aur eske sath apke account men kitna balance hain receipt men darshata hai.
• Cash Dispenser:
kisi bhi ATM ka hraday hota hai Cash Dispenser. ye kisi bhi ATM Machine ka central machine hota hai jahan se jarurat ke paise nikala jata hai. esi portion se koi bhi user apna paisa collect kar sakta hai. Cash Dispenser kaa mukhy kaam hota hai ki each bill ko pahle count kare phir uske bad jarurat ke paise nikalakar den. agar koi note kabhi fold ho jaye to use dusre section men bhej diya jata hai aur output men apko rejected bill milega. ye sari chijen high precision sensors ke madad se hota hai. ATM ke saare transactions ka record ko rakha jata hai RTC device ki madad se.
ATM Networking:
Internet Service Provider (ISP) bhi bahut hi mahatvpurn bhumika ada karti hain kisi ATM men. ve communication ko ATM aur Host Processors ke bich muhaiya karvati hai. jab bhi koi transaction hoti hai tab details sab card holder ke dvara input kiya jata hai. ye information ko ATM machine ki madad se Host processor tak pahunchaya jata hai. Host Processor un sabhi details ko check karta hai Authorized bank ke server ke sath. agar vo details match ho jaye tab host processor ke approval code ko bhejta hai ATM Machine par jisse ki apko apna Cash Money mil jata hai.
Two Types of ATM Machines
Mukhyat Host Processor keval do hi prkar ke ATM Machines ko support karte hain jo ki niche mention kar diya gaya hai.
• Leased line ATM machines
• Dial-up ATM machines
Leased Line ATM Machines:
Ye leased line machines ko directly host processor ke sath connect kiya jata hai four wire point to point dedicated telephone line ki madad se. es prkaar ki atm machines ko bahut pasand kiya jata hai. aise machines ki operating cost bhi bahut jyada hai.
Dial-Up ATM Machines:
Ye dial-up ATM machines ko processor ke sath connect kiya jata hai normal phone line ki madad se modem ke dvara. es prkar ke atm machines ko normal connection ki jarurat hai aur eske sath enki initial installation cost bhi leased line atm machine ki tulna men bahut kam hai.
ATM Security:
ATM Card ko surakshit rakhne ke liye PIN ka estmal hota hai jise ki bahut secret men rakha jata hai. aisa koi tarika hi nahin hai jise ki apke ATM Card se ATM Pin nikala ja sake. ese strong encryption software jaise ki Triple data Encryption ki madad se Encrypt kiya jata hai.
Automatic Teller Machine Working Principle:
Automatic teller machine ke simple sa data terminal hai jiske do input aur chaar output devices hoti hain. ye saare devices ko Processor ke saath interface kiya jata hai. Processor hi ATM machine ka heart hota hai. duniyaa men saare ATM machines centralized database system ke upar adharit hain. ATM ko Host Processor (Server) ke saath connect hokar communicate karnaa pdta hai. Host Processor bhi Internet Service Provider ke sath communicate karta hai. ye ek gateway ki tarah hai jo ki sabhi ATM Networks men upalabdh hai sabhi card holders ko.
Jab bhi koi card holder agar koi ATM transaction karna chahe, tab user ko jarurat ki sari information provide karti hain Card reader aur keypad ke madad se provide karna padta hai. ATM en sari jankari ko Host Processor ko forward karta hai. Card Holder phir ek transaction request cardholder ke baink ko bhejta hai. agar card holder cash ke lia request bhejti hai tab host processor card holder ke account se paise nikaal leti hai. ek bar funds customer account se host processor bank account men transfer ho jaati hai tab processor ATM ko approval code bhejti hai aur ATM machine ko nirdesh deti hai ki jarurat ki cash grahak ko prdan karen. esi process ke dvara hi aap ATM se paise pa sakte hain. pura ATM network centralized database environment ke upar adharit hai. ye logon ke jindgi ko asan kar deta hai.
Automatic Teller Machine ke Advantages:
The ATM 24 hours service deti hai
The ATM banking communications men privacy prdaan karti hai
The ATMs banks karamchariyon ke workload ko kam karti hai
The ATM customer ko naye new currency notes prdan karti hai
The ATMs banks ke customers ke lia ek achchha vikalp hai
The ATM travelers ke liye bahut upyogi hai
The ATM bina kisi error ke service prdan karti hai
Automatic Teller Machine ke kuchh visestayen :
Aap funds transfer kar sakte hain linked bank accounts ke bich
yahan aap account balance risiv kar sakte hain
apne recent transactions list ko print kar sakte hain
asani se ap ATM Pin badal sakte hain
yahan asani se cash deposit kar sakte hain
Prepaid mobile recharge kar sakte hain
Bill payments kar sakte hain
Cash withdrawal kar sakte hain.
ATMs or Auto Teller Machines en five simple step ko process karna ke liye istmal karti hain:

Validate the card : ye check karti hain ki apke dvara estmal kiya gaya debit/credit card mashin accept karta hai ya nahin.
Read the account number : apka account number jo ki apke card men mehjud hota hai vo black magnetic script men encode hota hai aur vo card ke bek men mehjud hota hai.
Validate the user : sahi User ko validate karne ke lia unhen 4 digit pin code ke bare men puchha jata hai. jiski validity sahi uttar milne par hi hoti hai.
Connect to the network : sabhi information jo ki card holder ke dvara diya jata hai (account number, pin code) use bank network men satellite network ki madad se validate kiyaa jata hai. ATMs ke pas aksar dish antenna hoti hai jiska estmal vo bank’s network se satellite ki madad se communicate karne ke lia karta hai.
Dispense the cash : aakhiri step men sab kuchh validate hone ke bad cash ko dispense kiya jata hai ATM ki madad se. aur user ko cash mil jata hai.
Iske bad transaction ki receipt print hoti hai aur iske sath hi transaction khatm hota hai.
Mujhe purn asha hai ki mainne aap logon ko What is ATM in Hindi aur ye kaise kam karta hai? ke bare men puri jankari di aur men asha karta hun aap logon ko ATM kya hai ke bare men samajh aa gaya hoga. mera aap sabhi paathkon se gujaaris hai ki aap log bhi es jankaari ko apne aas-pdos, rishtedaaron, apne mitron men Share karen, jisse ki hamare bich jagruktaa hogi aur esse sabko bahut labh hoga. mujhe aap logon ki sahyog ki avashyakta hai jisse main aur bhi nayi jankari aap logon tak pahuncha sakun.
Meri hamesha se yahi koshish rahi hai ki main hamesha apne readers ya paathkon ka har taraph se help karun, yadi aap logon ko kisi bhi tarah ki koi bhi doubt hai to aap mujhe bejhijak puchh sakte hain. main jarur un Doubts ka hal nikalne ki koshish karunga. aapko yah lekh ATM kya hai? aur ye kaise kaam karta hai? kaisa laga hamen comment likhakar jarur batayen taki hamen bhi aapke vicharon se kuchh sikhne aur kuchh sudharne ka mauka mile.

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