31–40 of 62 posts
Bank of America switched years ago to "Insert card, remove card, enter PIN, take money, take receipt." Capturing invalid cards, while often done with early ATMs, turns out not to be all that useful as a fraud prevention measure. It's not required by the current PCI standard for ATMs.[1] There's also an attack on ATMs called the "Lebanese Loop"[2] which requires that the ATM try to retain a card. So there's a security…
Bank of America switched years ago to "Insert card, remove card, enter PIN, take money, take receipt." Capturing invalid cards, while often done with early ATMs, turns out not to be all that useful as a fraud prevention measure. It's not required by the current PCI standard for ATMs.[1] There's also an attack on ATMs called the "Lebanese Loop"[2] which requires that the ATM try to retain a card. So there's a security…
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Earlier quoted context omitted.
The debit card of Berliner Sparkasse works that way (paying in shops and domestic, Sparkasse-owned ATM is free, taking out money abroad isn’t). However, you can’t pay too much with that debit card outside Germany, so they have this “travel pack credit card” – taking out money with it abroad is free (if the ATM allows it), but using it otherwise still incurs a transaction fee.
Don't forget the fee they take if your account and the money you withdraw are different currencies. ;)
Bank of America switched years ago to "Insert card, remove card, enter PIN, take money, take receipt." Capturing invalid cards, while often done with early ATMs, turns out not to be all that useful as a fraud prevention measure. It's not required by the current PCI standard for ATMs.[1] There's also an attack on ATMs called the "Lebanese Loop"[2] which requires that the ATM try to retain a card. So there's a security…
As far as I can tell France universally uses "Flow A" (get your card back first, then your cash). When I started using ATMs, in the late 80s, I remember that "Flow A" and "Flow B" were about equally common, then in a relatively short span of time all the banks switched to A. It surprises me, reading about it now, that it could be different in any other part of the world. That Flow A is the correct solution is not obv…
This incident happened to my grandfather in France 30 years ago (mid 80s), at an ATM using "Flow B". A few months later the ATM was changed to use "Flow A" instead and I have never used a single ATM using "Flow B" since I have been in age of using a credit card myself. I'm really puzzled that someone is still designing "Flow B" type ATMs these days (unless its a 80s model that they bought at a yard sale...).
Hey, could you share some information on how do you make those awesome graphics? :)
Unfortunately I can't provide a reference, but I distinctly remember reading that the user flow at German ATMs is specifically designed to minimize forgotten card incidents.
As far as I can tell France universally uses "Flow A" (get your card back first, then your cash). When I started using ATMs, in the late 80s, I remember that "Flow A" and "Flow B" were about equally common, then in a relatively short span of time all the banks switched to A. It surprises me, reading about it now, that it could be different in any other part of the world. That Flow A is the correct solution is not obv…
It surprises me that a flattened out workflow like http://i.ytimg.com/vi/luu3_y2MWGQ/maxresdefault.jpg isn't widely used. There's a very strong 'default' use of an ATM, and the conventional workflow does not optimize for it at all.
Earlier quoted context omitted.
Don't forget the fee they take if your account and the money you withdraw are different currencies. ;)
Usually such German cards use the Visa/Mastercard foreign exchange rate for ATM transactions (no extra fee) and POS transactions (plus currency conversion fee, but no additional fee for using abroad).