Open-source bank ATMs
Although ATMs were originally developed as just cash dispensers, they have evolved to include many other bank-related functions. In some countries, especially those which benefit from a fully integrated cross-bank ATM network (e.g.: Multibanco in Portugal), ATMs include many functions which are not directly related to the management of one's own bank account, such as:
Deposit currency recognition, acceptance, and recycling
Paying routine bills, fees, and taxes (utilities, phone bills, social security, legal fees, taxes, etc.)
Printing bank statements
Loading monetary value into stored value cards
Adding pre-paid cell phone / mobile phone credit.
Shopping mall gift certificates.
Games and promotional features
CRM at the ATM
Donating to charities
Cheque Processing Module
Paying (in full or partially) the credit balance on a card linked to a specific current account.
Transferring money between linked accounts (such as transferring between checking and savings accounts)
Increasingly banks are seeking to use the ATM as a sales device to deliver pre approved loans and targeted advertising using products such as ITM (the Intelligent Teller Machine) from Aptra Relate from NCR. ATMs can also act as an advertising channel for companies to advertise their own products or third-party products and services.
In Canada, ATMs are called guichets automatiques in French and sometimes "Bank Machines" in English. The Interac shared cash network does not allow for the selling of goods from ATMs due to specific security requirements for PIN entry when buying goods. CIBC machines in Canada, are able to top-up the minutes on certain pay as you go phones.
Manufacturers have demonstrated and have deployed several different technologies on ATMs that have not yet reached worldwide acceptance, such as:
Videoconferencing with human tellers, known as video tellers
Biometrics, where authorisation of transactions is based on the scanning of a customer's fingerprint, iris, face, etc.
Cheque/Cash Acceptance, where the ATM accepts and recognise cheques and/or currency without using envelopes. Expected to grow in importance in the US through Check 21 legislation.
Bar code scanning
On-demand printing of "items of value" (such as movie tickets, traveler's cheques, etc.)
Dispensing additional media (such as phone cards)
Co-ordination of ATMs with mobile phones
Integration with non-banking equipment