22. Automated teller machine Хамгийн анхны бэлэн мөнгөний машиныг Нью Иоркын сити банк 1939 онд Нью Иорк хотод байршуулсан. 1967 оны 6-р сарын 27-нд Barclays банк Английн хойт хэсэгт байрлах Энфилд хотод байрлах өөрийн салбартаа байршуулсан. (De La Rue company, John Shepherd Barron(Schotland)) BritishactorReg Varney using the world's first ATM in 1967.
25. Defining the Different Cards 1. ATM Cards: These cards can be used exclusively to withdraw cash from an ATM machine, and they do not bear the Visa or MasterCard logo. They cannot be used to make purchases at any stores. Few people use ATM only cards anymore although they commonly refer to debit cards as ATM cards. 2. Debit Cards: Although many people wrongly believe that ATM and debit cards are the same thing, they are really quite different. Using a debit card is more like using an electronic check. Instead of being restricted to exclusively using your card at ATM machines to withdraw cash, a debit card usually comes with a Visa or MasterCard logo on it that allows you to swipe your card for purchases in all stores that accept those two credit cards. But, a debit card is not a credit card even though it can act like one. As soon as you swipe a debit card, the funds are withdrawn from your checking account immediately. 3. Credit Cards: A classic credit card is issued by a bank or a credit company as an extension of credit available to be borrowed. Simply speaking, it’s a loan that must be paid back with interest if the charged amount is not paid in full at the time of the first billing statement after a purchase is made. Unlike the other two cards, a credit card is not attached to your checking account in any way. And you don’t have to have the cash on hand in order to make a purchase.
29. EFTPOS EFTPOS=Electronic Funds Transfer at Point of Sale EFTPOS нь электрон нөөцийг борлуулалтын тухайн цэгт шилжүүлэх зориулалттай ө.х мөнгө төлөгчөөс мөнгө хүлээн авагчийн банкинд гүйлгээ хийж буй төлбөрийн систем юм. Энэ систем нь кредит ба дебит картыг хүлээн зөвшөөрдөг.