atm kya hai, atm ka full form

ATM Kya Hai: Aaj mai apko batauga k ATM card jo ki hum rojana ki life mai estemaal karte hai voh kam kese karta hai ATM kitne parkaar ka hai or uski security k bare me batage.  Dosto aaj India cash less ban gya hai or ATM esme main roll rakhta hai .  ATM ( Automated Teller Machine) ek volet ki banti hai jo ki apko ab cash less bana deta hai. Cash less ka mstlub  k ab aap koi be shopping bina jeb me cash rakhey kar sakte hai. Ab apko dero notes rakhne ki jarurat nae hai. Ab aap bs ek swip,Tap  ya input enter karne se apne online shopping , bill ka bugtaan ghr bethy kar sakte hai. Yeh ahut chota portable water proof or bahut secure card hai. Bharat mai pehla ATM card 1987 mai HCBC dawera mumbai mai use kiya gya tha.

ATM Kya Hai?

ATM use karna subko aata he hoga per yeh bahut kam logo ko pata hoga k ATM kaam kese karta hi hai. ATM  k aage ATM card number likha hota hai uske niche he ATM month or year likha hota hai or theek ATM K piche ek kale rang ki patti hoti hai jisko hum Magnetic strip bolte hai .Es magnetic  strip par sara data apke bank account  k related hota hai or last mai ek cvv no be hota hai jo ki apke  transection ko complete karne k leye use hota hai. 

ATM Ka Full Form Kya Hai?

Automated Teller Machine

ATM Ke Bare me Jankari

Front Side of ATM Card

ATM card ki front side mai 16 digits 6436########9876 ka code hota hai jo ki apke bank account k sath link hota hai, theek uske neeche valid month or year likha hota hai jo ki darshata hai k apke card ki kitne validity baki hai e.g 11/22.  Jisme apko 11 apka month darshata hai or 22 uska year of expiry. Apke card k uper ek micro chip Hoti hai jo ki apke card ki data security k estemaal hoti hai. Or subse last mai card holder ka naam  likha hota hai.

Back Side of ATM Card

ATM card ki dusri taraf ek kale rang ki lambi magnetic strip hoti hai jo ki apka card number, name expired date sub encoded form yani ki computer ki basha mai darshati hai. Or aakhir mai CVV code hota hai jo ki 3 digits ka hota hai jo ki apke card ki transection ko complete karne k kaam aata hai. Yeh CVV  code apke bank account ko secure rakhti hai, Jiss se apka bank account security or majboot ho jate hai. Bina CVV code se koi be transition complete nae hogi. Last mai ATM k kho jane par ek helpline number be likha hota hai jo ki aap apne card k kho jane par bank mai call krk apne ATM band sakte hai.

Types of ATM in Hindi

ATM card bahut he use karne wala plastic card hai jo ki bahut he jada secure hai. Bharat mai 2 types k ATM card use kiye jate hai Debit Card or Cradit card. Yeh card apko srif bank se he milege jo ki apke account k sath link hote hai. Jiss mai apko ek 4 anko wala password be milta hai,  Jo apke har transition mai use hota hai or yeh bahut usefull code hota hai. Kirpya app yeh 4 anko wala password or ATM pin  kisi k sath be share na kare.

types of atm card in hindi
Image From PXHere

Debit Card Kya Hai?

Debit card voh card hota hi jo ki apke bank account k sath link hota hai or jo ki rupay visa or master kisi be company ka ho sakta hi. According to card company or apke transection k upper he apko benefits  milte hai.  Es card mai aap utne he financially transactions kar sakte hai jitne apke bank account mai limit hai or amount hai. Yeh Bahut secure card hota hai. Bina OTP (One Time Password) k koi be transition complete nae kar sakte.

Credit Card Kya Hai?

Credit card ek kisam ki helping card hai jo ki apki shopping me bahut kaam aata hai. Yeh card apko apke bank se apka sibbal check krk milta hai. Sibbal yani ki apke bank mai apke account ki statement ko darshata hai ki apne koi loan toh ne leya, ager leya hai toh kya uski installment pending to nahi . Koi paymet or installment skip toh nae hoi.  Sibbal check krk ke apko card issue hota hai. Or Bank dawara ek amount fix krk apko card diya jata hai, jiska bugtaan apko next 45 days mai karna hota hai.

ATM Card Ke Fayde

     Credit card dikhne mai Debit card jesa hota hai par eska function different . Es card mai aapki ek limit  set ki jate hai. Or aap us limit k according he apne shopping kr saket hai. E.g. Maan lejeye apko ek mobile phone pasand aa gya hai or uske kimat lagbak 30,000 hai apke passs cash nae hai or na he apke bank me pareyapt balance hai. Toh App es stage par apna credit card use kar sakte hai. Jiske payment apko next 45 days mai karne hoti hai. Es debit card ka ek or benefit hai k aap apne ki gae shopping amount ko bill pay karte samay or helpline se baat krk installments par be pese pay kar sakte hai.

VISA Card Kya Hai?

Visa card:  Visa card ek plastic card hota hai jiss se aap apne financially transaction  karte hai. Visa card mai apko different different  bounce visa company ki tarf se milte hai. Visa card ek private company hai jiss ki market mai abe tak 28 lac (million) users hai. Wifi acceptable card

Master Card Kya Hai?

Master card.  Master card be same visa card jesa hota hai or jiss se aap apne financially transaction  karte hai. Master card mai apko visa card jese different different  bounce master card company ki tarf se milte hai jiss mai apko cash back movie tickets discounts jese bonus milte hai. Master card ek private company hai jiss ki market me 30 lac (million) users hai. Wifi acceptable card.

Rupay Card Kya Hai?

Rupay card. Rupay card visa card or master card k last mai aaya tha . Rupay card National payment corporatcion of india ne 26 marh 2012 mai Mumbai me launch hua tha. Rupay card bahut se bank branch par mill jata hai. Wifi acceptable card.

ATM Card Kaise Milta Hai?

ATM card apko bank account ki detail ko check krk apke bank se milta hai. Yeh sub ATM Cards ki company ko darshata hai jese ki visa, master , rupay, etc companies apke bank k sath contact krk apko services dete hai apko apne company ka card provide karate hai. Yeh teeno companies card k network par hi kaam karte hai. In sub ka apna apna network hai. Visa card apne network par kaam karta hai or master card apne network par kaam karta hai or rupay card apne network per kaam krta hai. Teeno companies kisi k network per ja k kaam nae karte . Visa card or master card dono private companies hai  or rupay card ek government company hai. Yeh sub companies apne customers ko bonas points cash back movie tickets etc benefits dete hai. Jiss se sare transection online ho or india cash free ho.

ATM  Card Kaam Kese Karta Hai?

Kisi be bank k ATM machine per simple English keywords likhey hote hai jisme aap apne uses  k according he click karte hai . Jiss me bahut sare option aate hai jese ki cash Widral, misi statement, cash deposit, password change language change etc.

subse pehle hum apna ATM card machine me dalte hai or apne uses k according option select karte hai jese c  subse phle bashsa select karne hoti hai. Es simple english option ko select krk Computer mai jo input dalte  hai or voh jo algorithm ki form me feed hoti hai jisko “Plaintext” bolte hai. Uske baad apko apna 4 anko ka password dalna hota hai.

Es time k beech jo jo option apko apki screen mai show hoti hai usko encryptions bolte hai jo ki plaintext ko cipher text mai process karte hai  or computer ko input dete hai.

Cipher text simple english language ko computer ki binary form or language ko  0 or 1 ki form mai convert karta hai. Es cipher program ko samaj kar he computer next page or slide show karta hai, Jiss se user apne need k according  next input ko enter karta kar pata hai or dobara yeh process chalta rehta hai jub tak apke transection complete nahi ho jati. Es section mai computers nenno seconds mai check karta hai ki apki input, password sahi dala hai or jitne be apne amount widral karane hai kya utna amount apke bank account mai hai. ATM Machine apke har ek select ki option ko dekhta hai or uske baad perform karta hai.  Ager pese account mai hai toh pese widral ho jate hai ager nae toh zero balance krk simple text ki form mai screen mai show ho jata hai. last mai jo jo apne simple text mai entry or click kara hota hai voh sara text cipher text me transfer ho k apki sare transactions ko successfully kar deta hai. Or last mai hum apne pese or atm ko bahar nikaal lete hai.

How ATM is Security

Atm rojana ki life style mai subse jada  use kiya jane wala card hai. Zahir hai yaha itni facilities milige waha third party ki nazaer jarur rahege. Third party yani ki koi be unauthorized persona apke atm card ko hack ho nae kar lega kya voh apke sare savings toh chori nE karlega, kya voh apke card ko use krk koi online shopping, online payment ya offline payment toh nae kar dega. Apko darne ki jarurt nae hai qki yade apka atm kahe per gir be jata hai ya kahe chori ho jata hai toh aap panic na hoe. Subse pehle aap apne bank mai call krk apna ATM band karwaae. Yade apka apka bank kisi reason se fon ne uthata toh mat dare. Qki apke pass ATM pin hai jo ki 4 digits ki hoti hai uske bina apka ATM card work nae karega

Maan leye kisi ko apka ATM PIN be pata hai or usne atm pin enter kr deya toh be apke transection complete nae hogi. Kuki apke atm me apke registered  mobile number par ek OTP(One Time Password) aata hai  jo ki ek unique code hota hai. Jub tak aap yeh code share nae karege toh aapki koi be transection complete nae hogi. So es prkaar se apka atm pura secure hai koi darne ki jrurt nae hai apka valuable pesa apke bank account mai safe hai. New ATM cards wifi tap ki facilities k sath aae hai jiss se apko naah toh card swip karana hota hai na atm pin enter karne hoti hai apko just apna atm card machine mai tap karna hota hai or digital security se apki transection complete ho jate hai or kisi ko be apka password nae pata lagega

Conclusion: ATM card portable more secure cash less card hai jo ki apke daily life apka valuable peso ko safe apke bank mai rakhta hai. Bahut he assan estemaal kiya jane wala yeh card apki life or apki life style ko change kar deta hai.