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Archive for January 2010

ATMs arrive in Iraq

Monday, January 18th, 2010


In a sign of increasing stability in Iraq, several Iraqi banks have installed the country’s first ATMs, including 20 ATMs operating in Baghdad.

The first ATMs have opened in Iraq since the invasion five years ago — an encouraging factoid contained in a new by-the-numbers Defense Department report about progress in the country.

In fact, there are now 20 ATMs in Baghdad, where the banking system was so devastated a few years ago that the United States had to fly in pallets stacked with dollars to pay government employees. Some restaurants even accept credit cards these days.

ATMs aren’t limited to Baghdad. According to the U.S. embassy in Iraq:

Customers of Al’Warka’ Bank in rural Diyala province can now get instant cash from an Automated Teller Machine (ATM) because of improved security and an enterprising Iraqi private sector.

The ATM, installed in early May at the bank’s branch office in downtown Baqubah, is the first in Diyala. Al’Warka’, a private bank, informed the Provincial Reconstruction Team (PRT) operating development programs in the Province that it has plans to add three more ATMs in Baqubah in the next few months.

ATMs are a small thing, of course, but consider what is needed to keep one functioning: an expectation that neither the ATM nor its customers will be robbed or attacked, a reliable supply of electricity to keep it running, a reliable communications system (either telephone lines or Internet connections) so it can process transactions, and enough trust in the banking system that people are willing to keep their money there. So the existence of ATMs says a lot about the stability of the country they’re located in.

ATMs: bringing hope and easy access to cash to people around the world.

Designing a touch-screen interface

Thursday, January 7th, 2010

A while back we wrote about the design and usage considerations that went into creating touch screens for Wells Fargo ATMs.

Here’s another one, involving Bank of America. It appears to have been a much less intensive process than the Wells Fargo effort.

The ATM business group approached our team to improve the existing web-enabled touch screen ATM user interface and interaction flow. The business goals included increasing ATM preferences usage, reducing transaction time and increasing customer satisfaction.

After initial assessment of the existing application using heuristic evaluations and
in-context customer observations, several design guidelines were established to guide the project:
1. Limit one clear interaction or customer action per screen
2. Use clear and concise language
3. Use a consistent grid for button placement
4. Move all interaction to touch screen when possible (example, keypad entry)
5. Improve visual and auditory feedback cues when the customer interacts with the application.

They came up with a couple of designs before settling on the final look (above).

Tech Tales: The Case of the Silent ATM

Wednesday, January 6th, 2010

Editor’s note: ATM Network technicians have the experience to solve even the thorniest problems, and routinely go above and beyond to do so. This is one such story.

About a month after installing an ATM in a bar in western Minnesota, the machine stopped communicating with the transaction server, making transactions impossible. A tech went down to check it out.

The machine worked properly when it was installed, so the technician figured that a component must have gone bad. He replaced the communications cable and several circuit boards, including the mainboard, but it still didn’t work. So he called in our troubleshooting team.

The first thing the team did was re-replace everything, just to be sure. Nothing helped.

Then they examined connections. The bar had a local computer network. The machine was hooked into that, using the network’s Internet connection to transmit transactions instead of a dedicated phone line.

So they began to ask the bar owner questions: Had there been any additions or changes to the network? Any differences at all? No. Further, the owner’s computer used the network for Internet access, and it worked just fine. That suggested the problem was with the ATM, not the network.
Then the bar owner mentioned that he had installed some security cameras in the bar, and that they weren’t working, either. And come to think of it, the ATM had stopped working after the cameras were installed.

The team went to look at the cameras. They were hooked into the network so that they could send their images to the owner’s computer. But why weren’t they working? And how could they have affected the ATM but left the owner’s computer unharmed?

On the Internet, central computers called DNS (domain-name servers) keep track of the location – known as “IP addresses” — of everything connected to it. Think of them as a giant directory, listing the address of computers so that messages can be sent and received from them. If a machine isn’t listed in the DNS, it’s invisible.

Networks like the one installed in the bar connect to the Internet through a router. Each router does two things: it keeps a list of devices connected to the network, and serves as the gateway connecting those devices to the Internet. That way the DNS only needs to know the address of the router; the router takes care of distributing incoming and outgoing messages for everything on the local network.

There are two ways for a router to handle addresses for its devices. A device can have a fixed, “static” address that never changes, or the router can assign a new “dynamic” address every time a device connects to it. Dynamic assignment is generally preferable, because it doesn’t require manually setting addresses for each individual device. It’s managed using a DNS setting on the router.

A quick check showed that the cameras and the owner’s computer had static addresses, while the ATM used a dynamic address. Which was confusing, because of the two devices with static addresses, one worked and one didn’t. The problem wasn’t as simple as “static good, dynamic bad.”

Thinking it over, the team decided that maybe the problem was with the router. So they checked it – and discovered that the DNS settings weren’t enabled for dynamic addresses. As far as the ATM could tell, it was properly connected, but its communications were hitting a wall at the router.
The owner enabled the settings, and the ATM worked perfectly.

But how had the problem occurred in the first place? Remember that the ATM worked when it was first installed, then stopped working when the cameras were installed. And the cameras, despite being on static IP addresses, still didn’t work.

After another round of questions, it turned out that the camera installer inadvertently disabled the router’s DNS settings during installation, knocking the ATM off the network.

And the cameras themselves? They weren’t working because of a separate installation error. Their problem was totally unconnected to the problem that took down the ATM. But it *looked* related, complicating the diagnosis of the problem.

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