美國ambest保險(xiǎn)風(fēng)險(xiǎn)管理全集-automated_teller(文件)
【正文】 ty, and third party liability. It is important to note that many insurance panies have begun to offer Y2K coverage as a separate line of insurance rather than as part of Electronic Data Processing (EDP) coverage. For the purpose of this article, the Y2K problem will be discussed in the Inland Marine section. Relevant trade associations for the ATM industry include the ATM Industry Association, the American Bankers Association (ABA, which may be contacted at ) and the Bank Administration Institute (BAI, which maybe reached at ) MATERIALS AND EQUIPMENT a770t.Automated teller machines。s problem and location. The latest advances in ATM technology are addressing the electronic frontier of the Internet. Because ATMs are primary access points for consumers, future versions may be Internetenabled and will allow customers to use emerce options in addition to traditional ATM functions. For example, customers can browse movie schedules or access stock reports on World Wide Webenabled ATMs, though access to websites may be restricted to sites selected by the ATM operator. Another new technology focuses on a device called the Universal Teller Machine (UTM), which provides an innovative way for online consumer outlay. To use the machine, Internet shoppers slide their bankcard into the UTM, which is then inserted into the floppy drive of the puter. An ATMlike interface appears on the screen and follows the same transaction protocol as a normal ATM, only the user39。s size dimensions (also known as a footprint), and access to an electrical outlet and telephone jack must be available. Newer technologies featuring wireless and satellite munications do not require telephone lines. ATMs employing wireless munications use existing cellular telephone infrastructures, while those using satellite munications will have a satellite dish located on the roof of the establishment。 in turn, the ISOs will offer a variety of petitively priced, prehensive service packages. ISOs typically retain a percentage of any transaction fees, regardless of whether the ATM is leased or purchased. Average monthly lease costs can be between $150 and $300 or more, depending on the style and capabilities of the ATM model. This classification will focus primarily on exposures associated with outfits that deploy ATMs, such as ISOs. Funds can be replenished from the merchant39。 dialup lines, however, only open a telephone line when a request is keyed into the ATM and close the line when the transaction is plete. When line usage is charged by the minute, dedicated telephone lines can bee expensive, costing from $100 to $400 a month for basic service。s revenues. Merchants and banks may also charge interchange fees, whereby a pany must pay a fee (typically about 35162。 at disaster recovery sites。s account, the clerk gives the specified amount to the customer. The advantage of this type of ATM is that it does not need cash restocking, since the money es directly from the merchant39。 the public, who preferred dealing directly with bank tellers rather than an impersonal keyboard, did not greet these early cash machines kindly. However, as people grew accustomed to this new type of banking and as more banks used these devices, the popularity of 24hour banking began to grow. By 1973, about 2,000 ATMs were deployed in the .。Automated Teller Machine Deployers24Hour Banking ATM Cash Machine Electronic Banking MAC Machines Money Accessing Centers Money Machine Automatic Teller Machines (ATM) Machine or Equipment Dealer, NOC Equipment Dealer Installation, NOC Automatic Vending Machine Manufacturing a7700Original Date: 7/99 LineBest39。 COMPENSATION5CRIME5Theft of valuable ATMs possible.FIRE AND .3BUSINESS INTERRUPTION5INLAND MARINE7Extensive use of puters. BOILER AND MACHINERYLow 13, Medium 46, High 79, Very High 10 SIC CodeSIC Classification 3578Automatic Teller Machines (ATM) ISO CodeISO Classification 15062Machine or Equipment Dealer, NOC97223Equipment Dealer Installation, NOC NAIC CodeNAIC Classification 333311Automatic Vending Machine ManufacturingRelated Classi
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