Atm Case

Use Case Documents and Drawings of ATM

Strayer University

Systems Analysis and Development

CIS210

Professor

July 27, 2013

ATM Withdraws Basic Description: Customer Logins and withdraws money Primary Actor: Customer Stakeholders: * Customer * Bank * Service Tech * Customer Service Preconditions: Customer must have ATM card and a PIN number Basic Flow: * Customer Inserts ATM card and removes quickly * Customer punches in PIN number * Customer selects amount to withdraw * Customer retrieves money and receipt * Customer ends transaction

ATM Deposit Basic Description: Customer login and makes a deposit into account Primary Actor: Customer Stakeholders: * Customer * Bank
* Service tech * Customer Service Preconditions: * Customer must have card in hand * Customer must have correct PIN * Customer must have currency to deposit * Customer must have checks endorsed Basic Flow: * Customer inserts and removes card quickly * Customer punches in the PIN number * Customer chooses which type of his accounts he wants to deposit the money into * Customer chooses whether he is depositing cash or checks * Customer arranges currency according to directions and inserts * Customer okays deposit amount and completes transaction * Customer receives receipt Alternate Flow: * ATM cannot read the card * Customer punches PIN incorrectly 3 times and ATM locks account * Customer chooses type of account that does not exist * Customer inserts currency incorrectly * ATM cannot read amounts correctly * All checks are not endorsed * ATM calculations are different the customers * Deposit cancelled ATM Transfer Basic Description: Customer Login and transfers funds between accounts Primary Actor: Customer Stakeholders: * Customer * Bank * Service Tech * Customer Service Preconditions: * Got to have ATM card * Must enter correct PIN number Basic Flow: * Customer Inserts ATM card and removes quickly * Customer punches in PIN number * Customer selects accounts to transfer funds between * Customer inputs transfer amount * Customer ends transaction and gets receipt Alternate Flow: * ATM cannot read the card * Customer punches PIN incorrectly 3 times and ATM locks account * Customer only has one active account * Balance is too short to transfer asked amount

This Use Case diagram shows just how many people could be involved in every ATM transaction and the numerous paths that each separate transaction could take. But each transaction starts out with a customer login and if access is gained the customer can do just about anything he wants to with his money. So the criminals have figured out that if they can get the necessary information to login that withdrawing money would be no problem. The advancement of technology has made the duplication of credit cards very simple. A small card skimmer can copy and send the information on the magnetic strip wirelessly to a laptop which imprints the information onto a blank card by simple sliding the card thru card burner hooked up with an USB cable to a laptop. The challenge is to get the victim to slide their card thru the criminal’s skimmer device and steal their PIN number. ("Beware of Skimmers!" 2011, p. 08) This is not very difficult to do since a skimmer can be place over the ATM’s card reader or even inside the slot. These skimmers are not very big at all and are made to look as if they are part of the ATM. Each person has to punch a PIN number onto the keypad which is not very secure to begin with. A well placed small camera will catch and send the remaining information needed for a criminal to wipe out a bank account within minutes of the owners making their transaction. Devices, led by ADT are being placed on many ATMs now that will detect and block any transmission of an illegally placed skimmer.
("ADT Code of Conduct," 2013, Chapter 3) Billions of dollars have been stolen from hardworking citizens over the past few years without much of a outcry from the general public. If someone broke into a house and stole thousands of dollars and terrified the family living there then they would be front page news on every major local news channel. The money stolen from ATMs is insured thru the Federal Deposit Insurance Corporation (FDIC) so much of the monies are recovered and no face to face contact between criminal and victim ever occurs. ("Consumer Protection," 2013, p. 12) Maybe to failing economy over the past few years and the opinions the public has of the banks as a result of their treatment of families who could no longer afford their mortgage. Many fell that we paid in the taxes that bailed out the banks so that they could reposes the American dream and pull the foundation from in under so many. So does the public view the billions of dollars stolen each year from ATM’s differently since the banks and FICA must
repay? Regardless of whether the money is insured or not, the monies stolen by scamming the ATM machines each year are being recouped by each and every customer of the bank and citizen who pays taxes. The horror of seeing your family robbed at gun point is not a factor but the billions of dollars stolen each year is definitely having a negative effect on our economy. So before we slide our credit cards at any ATM or gas pump we need to look closely at the card reader. If we think something looks the least bit wrong the notified the management or police so that the can check.

References
ADT Anti-Skimming Solution Helps Prevent Growing Card Fraud Problem. (2013). Retrieved from http://www.adt.com/about-adt/ethics
ARE MY DEPOSITS INSURED? (2013). Retrieved from http://www.fdic.gov/consumers/
Taking a Trip to the ATM? Beware of ‘Skimmers’. (2011). Retrieved from http://www.fbi.gov/news/stories/2011/july/atm_071411