svachaalit ganak machine

you.S ki ek NCR parsonaas 75-series aantarik, bahuprakaarya ATM machine
traaitaun braand ATM machine

svachaalit ganak machine (angreji:aatometid tailar machine, laghu:ATM) ko aatometik banking machine, cash paaint, hol in the Wall, bainnakomait jaise naamon se Europe, America va roos aadi mein jaana jaata hai. yeh machine ek aisa doorasanchaar niyantrit va kanpyootareekrut upakaran hai jo graahakon ko vitteeya hastaantaran se judi sevaaen upalabdh karaata hai.[1] is hastaantaran prakriya mein graahak ko kaishiyr, klark ya bank tailar ki madad ki aavashyakta naheen hoti hai. khudara yaani retail banking ke kshetr mein ATM banaane ka vichaar samaannaatar taur Japan, sveedan, America aur England mein janma aur viksit hua. haalaanki sabse pehle iska prayog kahaan shuroo hua yeh abhi tay naheen ho paaya hai.

anukram

itihaas

maute maur, London aur New York mein sabse pehle isse prayog mein laae jaane ke ullekh milte hain. 1960 ke dashak mein ise bainkograaf ke naam se jaana jaata tha. kuchh daavon ke anusaar sabse pehle praayogik taur par 1961 mein city bank of New York ne New York shahar mein graahakon ki seva mein chaaloo kiya tha. vaise graahakon ne tab ise asveekrut kar diya tha. is kaaran chhah maah ke baad hi isse hata liya gaya tha. iske baad tokyo, Japan mein 1966 mein iska upayog hua tha. aadhunik ATM ki sabse pehli peedhi ka prayog 27 June, 1967 mein London ke baarkele bank ne kiya tha. us samay tak kuchh hi graahakon ko iski seva ka laabh mil paaya tha. us samay aaj ke ATM card ke bajaae kredit card ke jariye iski sevaaon ka upayog kiya jaata tha. iske pehle graahak Comedy actor reg varane bane the. England ne prayog mein laai gayi machine ke aavishkaar ka shreya John shepard ko jaata hai. iske vikaas mein engineer de la rooi ka bhi mahattvapoorn yogadaan hai. vartamaan ATM masheenein intarabaink network se judi hoti hain. yeh network peeyooelaesai, peeelayooes aadi naamon se jaane jaate hain.

prayog

ATM par koot daalte hue dhyaan dein ki baahar se koi dekh na raha ho.

vartamaan yug mein ATM ka prayog maanav dincharya ka mahattvapoorn ang ban gaya hai. ataev ATM prayog karte samay kuchh saavadhaaniyaan aavashyak hain. in saavadhaaniyon ko dhyaan mein na rakhane par bevajah ki kuchh pareshaaniyon ka saamana karna pad sakta hai.[2]

  • ATM se paisa nikaalate samay, khaaskar raat ke samay to ek saathi ko lekar avashya jaaen.
  • ATM card ko pehle se baahar nikaal kar rakhein. machine ke paas pahunchane par apne pars aadi se nikaalne mein samay na lagaaen. raat ke samay is baat ka khaastaur par khyaal rakhein ki koi sandehaaspad vyakti aapke aaspaas na ho.
  • koshish karein agar jyaada rakam nikaalne ja rahe hain to aise kshetr ka ATM chune jo tulanaatmak taur par adhik surakshit ho.
  • ATM ka prayog karte samay dhyaan rakhein ki koi aapka pin number na dekh paae. avval to koi aapke saath ATM kebin mein anajaana vyakti maujood hi naheen hona chaahiye. apne shareer se ATM ki-ped ko kavar rakhein.
  • ATM machine se nikalne ke baad nikaali gayi raashi ko gine jaroor par yeh bhi dhyaan rakhein ki aisa karte samay kisi ki nigaahein aap par na hon.
  • machine se praapt raseed ko apne paas jaroor rakhein aur iska Milan apne apne bank stetameint se avashya karein. agar koi samasya ho to sambandhit bank se sampark karein.
  • pin number ko yaad rakhein. agar yaad naheen ho paata hai to use aisi jagah likhkar rakhein jahaan sirf aap ki hi pahunch ho. ATM ka prayog karte samay iska behad saavadhaani se prayog karein aur ise machine ke aaspaas rakha na chhode.
  • apne phone number, ghar ke pate, naam ya sanketaaksharon aadi par apna pin number na rakhein.
  • pin daalte samay keepaid ko apne doosare haath se chhupaae rakhein.

samasyaaen

kai baar ATM machine ka prachaalan tantr bhi haing ho jaata hai.

graahakon ke liye bankon se rupayon ki nikaasi saral banaane hetu ATM masheenon ko laagoo kiya gaya tha, lekin in ATM masheenon mein bhi kai samasyaaen aati rahati hain. inke kaaran graahakon ko kai baar pareshaani uthaani pad jaati hai. machine se kabhi nakali not nikal aate hain to kabhi bina not nikle hi nikaale gaye rupayon ki khaali raseed baahar dikha deti hai. iska sambhaavit kuchh had tak kaaran bankon mein chaaineej computer takaneek ka prayog maana ja raha hai. iske alaava haal ki kuchh ghatnaaon se ATM machine ko hi chori kar le jaane ki ghatnaaen sunaai di hain.[3] inke kaaran chori ya loot ka alaarm na bajana ya machine ke taar kaate jaane par svich yaani control room ko khabar bhi na lag paana aadi hain. ATM machine marammat ke liye khuli hone ki sthiti mein svich ke saath apna sampark tod deti hai. aise samay bank adhikaari ya ATM vaindar ke saamane machine ki aavashyak marammat ki jaati hai. parantu ATM masheenon ki chest ya tijori khuli hone ki dasha mein bhi ye masheenein svich ko jhootha sandesh dete hue aanalaain rahati hain. yaani aisa sambhav hai ki machine chor le jaaen aur svich ko khabar bhi na lage.

kai baar kisi ATM machine se nakali not nikal padte hain aur bank inki koi jimmedaari lene ko taiyaar naheen hota. kai baar jab ATM machine khaate se rupaye to nikaale dikha deti hai lekin nakadi machine se baahar naheen aati ya kabhi kam hi nikaalati hai. aisi shikaayaton ke liye graahak bank mein poochh-taachh karte hain to bank apne kaal center ka number thama dete hain. tol free number par chalaae ja rahe is kaal center ki line milna hi pehle to mushkil hai aur mil bhi jaae to aadhe ghante ki baatcheet ke baavajood graahak ko raahat naheen mil paati. saamaanyat: kaal center graahakon ko bina maange shikaayat sankhya tak upalabdh naheen karaate. graahak shikaayat sankhya lekar maanasik tanaav grast ho isse kaheen behtar hai ki bank mein jaakar check se apni raashi nikaale aur in jhanjhaton se mukt rahe.

praay: ATM card aur Internet banking ke aavedan par saaf likha hota hai ki kisi kism ke nuksaan ke liye bank ki javaabadehi naheen hogi. haiking aur paasavard chori mein bainkakarmiyon ki sanliptata ke maamale bhi ab khulne lage hain. graahak apne khoe hue ATM card ko apne bank mein jaakar kainsil naheen karva sakte. bank daava karta hai ki aap kisi bhi shaakha se ATM card jaari karva sakte hain, lekin yahi card kho jaae to pehle bank ke kaal center mein iski shikaayat darj karaani hai. shikaayat number lekar bank ko soochit karna hai. khoe hue ATM card se nakadi nikaalne ke alaava khareedadaari bhi sambhav hai so graahak chaahata hai ki turant use khoe card se mukti milni chaahiye. ATM card ka galat istemaal ho to graahak ko police ya court kachahari ke chakkar bhi katava sakat hai. yadi aapne kisi doosare bank ka ATM card kisi doosare bank ke ATM mein istemaal kiya hai aur raashi naheen mili hai to doguni maanasik pareshaani jhelni padee. sakti hai. ATM machine fail hone ki dasha mein bank ki ekaanuting pranaali bhi fail ho jaati hai. ATM code ke anusaar raashi ka bhugataan ho bhi sakta hai aur naheen bhi ho sakta. machine mein upalabdh 100, 500 va 1000 ke dibbon se doosari currency ki aapoorti na ho sake iske liye na to koi makainikl na hi koi saaftaveyar mein vyavastha hai. is drushti se ye masheenein banking ke liye surakshit naheen maani ja sakti. galat bhugataan ki pravishtiyon ko theek karne ki vyavastha bhi kaaragar naheen hai.

kabhi machine aavaaj karti rahati hai, paisa baahar naheen niklata aur ATM haing ho jaata hai. kabhi yeh raashi kisi doosare graahak ko anaayaas hi mil jaati hai kyonki raashi beech mein ataki rahati hai aur ATM achaanak kaam karna shuroo kar deta hai. kabhi graahak ki yahi raashi ATM mein nakadi, kaagaj ya ribn feed karne waali company ke logon ke haath bhi lag jaati hai.

ATM masheenon ke meinteenains ke naam par ATM mein nakadi bharna, do baar din mein ATM parisar ki safaai, eyarakandeeshan ka chaaloo rahana, ATM machine ka jeero daaun hona, suraksha ki drushti se drushya aur adrushya kaimaron ka chaaloo rahana, ATM se har prachaalan ki parchi niklana, darvaaje ka band rahana taaki ek samay mein ek graahak ATM mein rahe, raat mein paryaapt roshani ki vyavastha, suraksha ke liye guard aadi inke vaarshik meteenains ke kuchh pramukh hisse hain jinka paalan naheen hota.

sandarbh

  1. ATM. Hindustan live. 21 January 2010
  2. ATM istemaal. Hindustan live.
  3. ATM se jude hain dukhde hajaar|

baahari kadiyaaain