Each bank provides its own computer to maintain its own accounts and process transactions against them. Cashier stations are owned by individual banks and communicate directly with their own bank's computers.
Human cashiers enter account and transaction data.
An ATM accepts a cash card, inter- acts with the user, communicates with the central system to carry out the transaction, dispenses cash, and prints receipts. The system requires appropriate recordkeeping and security provisions. The system must handle concurrent accesses to the same account correctly. The cost of the shared system will be apportioned to the banks according to the number of customers with cash cards. Constructing an Object Model 1.