ATM

Flows for ATM cash management.

TABLE OF CONTENTS

ATM Cash withdrawal with Payment Card
Clearing and Settlement of ATM Cash withdrawal

FUNDS

COUNTERPARTIES
Visa Debit Cardholder
ATM Owner
DRS
USD
CARDUSD
ATMUSD

ATM CASH WITHDRAWAL
1. Cardholder holds CARDUSD
2. Cardholder requests cash withdrawal
3. ATM submits debit request to DRS
4. DRS debits CARDUSD from Cardholder wallet
5. DRS credits ATMUSD to ATM Owner wallet
6. ATM dispenses cash
7. ATM Owner redeems ATMUSD for USD

USER

Withdraw, deposit and transfer money.
WITHDRAW CASH 
1. Insert your Chase debit card and enter your PIN
2. Choose Main menu and then Get cash
3. Choose the amount of cash to want to receive
4. Tap Get cash to complete your transaction
MAKE A DEPOSIT
1. Insert your Chase debit card and enter your PIN
2. Choose Main menu and then Deposit
3. Choose your deposit type and insert into machine
4. Review your deposit amount and tap Deposit



1. Insert your debit card and enter your PIN to access your accounts
2. Select “Deposit” from the main menu options
3. Choose your account if you have multiple accounts (checking vs. savings)
4. Insert your cash directly into the deposit slot when prompted
5. Confirm the amount after the machine counts your bills
6. Complete the transaction and take your receipt
TRANSFER FUNDS
1. Insert your Chase debit card and enter your PIN
2. Choose Main menu and then More…
3. Choose transfer
4. Choose the accounts you want to move money to and from
5. Type in the amount you want to transfer
6. Tap Submit transfer to complete


Insert your debit card and enter your PIN to access your accounts
Select “Deposit” from the main menu options
Choose your account if you have multiple accounts (checking vs. savings)
Insert your cash directly into the deposit slot when prompted
Confirm the amount after the machine counts your bills
Complete the transaction and take your receipt



RESOURCES

https://docs.xft.finance/learn/flows/payments/atms

https://www.paiementor.com/flow-exchanges-for-cash-withdrawal/

https://www.fisglobal.com/-/media/fisglobal/files/pdf/brochure/fis-makes-atm-management-easy-brochure.pdf

https://www.math-cs.gordon.edu/courses/cs211/ATMExample/UseCases.html

https://drsecn.com/flows.txt

https://www.gleek.io/templates/sequence-atm-withdrawal

ATM withdraw user flow

https://www.chase.com/digital/customer-service/helpful-tips/personal-banking/atm/basics

https://www.philadelphiafed.org/-/media/frbp/assets/consumer-finance/discussion-papers/D-2013-October-Clearing-Settlement.pdf

https://money.howstuffworks.com/personal-finance/banking/atm5.htm

https://www.mastercard.us/content/dam/public/mastercardcom/na/global-site/documents/transaction-processing-rules.pdf

https://otm.finance.harvard.edu/business-deposit-card-atm-procedures





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