ATM kya hai?ATM (Automated Teller Machine) ka avishkar ek revolutionary step tha banking aur financial transactions mein. ATM ek electronic machine hai, jiska upayog karke log bina bank branch jaaye apne bank account se paise nikal sakte hain aur deposit kar sakte hain. ATM ne banking ko saral aur samay ki bachat karne wala tareeka banaya hai, jiske madhyam se log din raat, saptaahik ya mahina visheshata se apne bank account ka upayog kar sakte hain.
ATM ka safar prarambh hua 1960s mein, jab ek American engineer, Luther George Simjian, ne New York mein ek prototype ATM machine tayyar kiya. Yeh machine apne waqt ke liye ek unique concept tha, lekin us samay logon ne iska upayog kam kiya. Phir, 1967 mein, Barclays Bank of London ne ek aur prototype machine tayyar kiya, jise “Barclays Cash Dispenser” ke naam se jaana jaata tha. Yah machine kewal cheque cashing ke liye thi aur iske upayog ko achha svaamitv nahin mila.
ATM ka actual concept aur success tab hua jab Sir Thomas Bland, ek British banker, ne ek ATM machine tayyar kiya, jo 27 June, 1967 ko Enfield, North London ke ek Barclays branch ke bahar sthapit ki gayi. Is machine ka naam tha “BARCLAYCASH” aur yeh first successful modern ATM machine tha, jiska upayog ek debit card ke sath kiya gaya tha.
Agle kuch saalon mein, ATM machines ka network teji se badhta gaya aur logon ne iska fayda uthana shuru kar diya. ATM ke madhyam se paise nikalna aur jama karna bank branch ke compare mein bahut saral tha, isliye logon ne ise apnane mein jaldi kiya. ATM machines ki popularity ke sath, banks ne apne customers ko debit cards pradaan karne shuru kiye, taki unka ATM ka upayog asaani se ho sake.
1990s mein, ek aur innovative concept aaya “Shared ATM Network” ka, jisme alag-alag banks ke ATM machines ko ek network mein joda gaya, jisse ek bank ke debit card holder dusre bank ke ATM machines ka bhi upayog kar sake. Isse ATM ka upayog aur bhi saral ho gaya aur logon ke liye banking suvidhaon ka vistar hua.
ATM machines ka vikas hamesha chalta raha hai aur aaj ke samay mein ATM machines ka ek bada network hai, jo poore vishwa mein faila hua hai. Banks, financial institutions, aur third-party service providers ATM machines ko provide karte hain, jisse log aasani se paise nikal sakte hain aur various financial transactions kar sakte hain.chaliye jante hai ATM kya kaise kaam karta hai
ATM Kaam Kaise Karta Hai?
ATM ek aise computerized machine hai, jiska saara kaam ek embedded operating system aur software dwara control hota hai. ATM machine mein kai parts hote hain, jaise card reader, keypad, screen, cash dispenser, aur receipt printer.
Jab koi vyakti apna debit card ATM machine ke card reader mein daalta hai, to machine us card ke number aur security details ko verify karti hai. Agar card number aur PIN sahi hai, to machine screen par options dikhata hai, jisme se vyakti apne zaroorat ke hisaab se transaction select kar sakta hai.
Vyakti transaction select karne ke baad apna amount type karke withdraw kar sakta hai. ATM machine cash dispenser ke madhyam se paise pradaan karta hai. ATM machine se paise nikalne ke alawa, log balance check, mini statement, fund transfer, bill payments, aur aur bhi kai tarah ke transactions kar sakte hain.
ATM machine kaam karne ke liye banking network se juda hota hai, jisse realtime mein transactions process ho sakte hain. ATM machines ke peeche bahut saari technology aur security measures hoti hain, jisse transactions ki security ka khyaal rakha ja sake.Ab jante hai ATM ke fayde kya hai
ATM Ka Prayog Aur Fayde
ATM ka upayog karne ke kai fayde hain, jo logon ko iska istemal karne ke liye prerit karte hain. Kuch pramukh fayde is prakar hain:
- Convenience: ATM ka sabse bada fayda hai convenience. Log kisi bhi samay aur kisi bhi din ATM ka upayog karke paise nikal sakte hain, chahe din ho ya raat. Isse unhe bank branch jaane ki jarurat nahi hoti, jo ki time-consuming aur hectic ho sakta hai.
- 24×7 Availability: ATM machines 24 ghante, 7 din hafta mein khule rehte hain, isliye log apni zaroorat ke anusar kisi bhi samay transaction kar sakte hain. Isse logon ko apni busy schedule ke bich bhi banking ki suvidha milti hai.
- Cashless Transactions: ATM card ke madhy
am se log cashless transactions kar sakte hain, jisse unhe har jagah aur har samay zaroorat ke anusar paise transfer karne ka mauka milta hai.
- Immediate Access to Cash: ATM machines se log turant paise nikal sakte hain, jisse unhe urgent financial needs ke liye paise mil jaate hain.
- Secure Transactions: ATM machines ki transactions secure hoti hain aur har transaction ke liye ek unique transaction number generate hota hai, jisse financial frauds aur unauthorized access ka risk kam hota hai.
ATM ka upayog karne ke kai aur bhi fayde hote hai, jo logo ko iska istemal karne ke liye prerit karte hai. Iske alawa, ATM machines mein cash deposit aur fund transfer ka option bhi hota hai, jisse log aur bhi suvidhaon ka labh utha sakte hai.
ATM Ki Security Aur Savdhani
ATM ka upayog karne ke liye vyakti ko kuch savdhani aur security measures ka dhyaan rakhna zaroori hai. ATM ka upayog karne se pehle, logon ko kuch important points ko dhyaan mein rakhna chahiye:
- PIN Ko Secure Rakhna: ATM card ke PIN ko kabhi bhi dusron ke saath share nahi karna chahiye. Isse vyakti ke bank account ki suraksha kam ho jaati hai. PIN ko hamesha secure jagah par likh kar rakhe aur use yaad karne ki koshish kare.
- ATM Surroundings Ki Check Kare: ATM machine ka upayog karne se pehle, vyakti ko ATM ke surroundings ko check karna chahiye. Agar kisi vyakti ya cheez ka vyavhaar apashakunjanak lag raha hai, to transaction karne se pehle dusre ATM machine ka use kare.
- Beware of Skimming Devices: ATM machines ke card readers ko chhupa kar log skimming devices ka upayog karke card details chura lete hain. Isliye, ATM machines ke card readers par kuch unusual cheezon ko check karna chahiye. Agar kuch supected lag raha hai, to us ATM ka upayog na kare aur bank ya financial institution ko inform kare.
- Transaction Complete Hone Tak Card Nikale Nahi: ATM transaction ke samay, card reader se transaction complete hone tak card ko nikala nahi jaana chahiye. Agar card ko jaldi nikala gaya, to transaction pura nahi hoga aur paise nikalne ka risk ho sakta hai.
- ATM Ke Saath Anya Logon Ko Na Rakhe: ATM machine ka upayog karte samay, vyakti ko ATM ke paas dusre logon ko na rakhe, jisse unki transaction ki security ka khyaal rakh sake.
Conclusion
ATM ek mahatvapurn aur upyogi technology hai, jiska upayog log apni daily banking aur financial transactions mein karte hain. ATM machines ke madhyam se paise nikalna aur deposit karna bahut saral hai, isliye log iska upayog apni zarooraton ke anusar karte hain. ATM machines ki popularity aur accessibility ne banking aur financial services ko samay aur mehnat bachane wala tareeka banaya hai. Iske vikas aur sudhar se logon ko aur bhi suvidha milti hai aur unki banking ki anubhuti aur bhi achhi ho jaati hai.
ATM ka upayog karne mein suraksha aur savdhani ka dhyaan rakhna bahut zaroori hai. ATM card ke PIN ko secure rakhna, ATM ke surroundings ko check karna, aur skimming devices se bachne ke liye saavdhaan rehna chahiye. ATM ka upayog sahi tareeke se kiya gaya to yeh logon ki zindagi ko aasan banata hai, aur unhe apni zarooraton ke anusar paise aur financial transactions ke liye asaani pradaan karta hai.
umeed hai apko samjh aagya hoga ATM kya hai