美國(guó)ambest保險(xiǎn)風(fēng)險(xiǎn)管理全集-automated_teller(存儲(chǔ)版)
【正文】 d 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。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。 lighting. Office equipment and furniture: desks, chairs, file cabinets, stationery supplies, calculators, copy machines, facsimile machines. Computers and data processing equipment. Automobile Liability a770a.The Automobile Liability exposure will vary considerably, depending on the degree of maintenance and responsibility retained by the automated teller machine (ATM) deployer. Because most independent service organizations (ISOs) offer prehensive service contracts for aspects of ATM deployment, such as installation, maintenance and repair operations, and cash replenishment, a great deal of travel will be necessary. Consequently, for such insureds, the exposure will be significant. What is the frequency of travel? Depending on the services offered by the insured, frequent businessrelated travel may be required. ISOs typically provide all ATM servicing and repair for leased as well as purchased units。 vaults. Multimedia products: entertainment industry tickets (., movies, concerts), stamps, prepaid telephone cards, airplane tickets, and skilift passes. Materials handling equipment。 the puter is connected by telephone lines to processing networks. When a user inserts his or her card, a screen (which is often a multilingual interface) is activated, listing several transaction possibilities. The user then selects the desired transaction and keys in a personal identification number (PIN) that authorizes access to the user39。 they are formidable petitors, since in addition to their own ATM deployment, they usually provide outsourcing services to other ATM owners and operators. ISOs typically can install and operate ATMs more cheaply and efficiently than traditional bank organizations because they deal in volume and keep operations lean by focusing solely on the ATM business. For instance, average monthly ATM operating costs for financial institutions run around $1100, with a minimum monthly requirement of about 850 transactions。 the average surcharge is $, though fees can cost $2 or more at heavily used ATMs, or conversely, at those located in remote, low traffic areas. Frequently, financial institutions will not charge a fee to their own account holders. ATM deployers are constantly seeking new distribution channels and revenue streams. Often, they will place their machines in leased spaces and pay a rental space fee。 approximately 62% of the nearly 100,000 . cstores have these devices on their premises. Convenience stores prise a huge slice of the market they feature more ATMs than all other offpremises sites bined. Supermarkets follow cstores in offpremises ATM popularity, with nearly 90% of larger supermarkets deploying ATMs. Because consumer demand calls for ATM access, merchants now must have the machines on site in order to stay petitive. Modern teller machines are far more versatile than the early primitive models。s Hazard IndexUnderwriting Comments AUTOMOBILE LIABILITY6Less for insureds who do not offer ATM service packages. AUTOMOBILE PHYSICAL DAMAGEGENERAL LIABILITY5 PRODUCT LIABILITY AND COMPLETED O
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