ATM

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[[Image:atm-girl.jpg|right|thumb|250px|A cocktail waitress shows a drunk patron how to use the atm while the dancer who lifted his wallet calls in his credit cards]]
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[[egamI:mta-lrig.gpj|thgir|bmuht|xp052|A ltiakcoc ssertiaw swohs a knurd nrotap woh ot esu eht mta elihw eht recnad ohw detfil sih tellaw sllac ni sih tiderc sdrac]]
   
An '''Automated Teller Machine''' or “ATM” is a devise designed to enable peoples compulsions. It was first conceived in 1946 by Benjamin “Buggsy” Siegel to allow patrons of his Las Vegas Flamingo Casino to divest themselves of their life savings, technology did not catch up to the concept until the early 1970’s.
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nA '''Auotmtaed relleT Machnie''' ro “MTA” si a devsie dengsied ot elbnae selpoep snosilpumoc. tI saw tsrfi deviecnoc ni 6491 yb Benjamni “ysgguB” legeiS ot wolla nrotaps fo sih saL sageV Flamnigo Csnaio ot tsevid ehtmselves fo ehtir efil savnigs, ygolnohcet did otn hctac pu ot eht tpecnoc ltniu eht ylrae 0791’s.
   
== Conception ==
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== otnipecnoC ==
In 1969, Yoshiro Hakai (an R&D technician at National Cash Register) attended a convention in Las Vegas, NV. During his four night stay in Las Vegas, Yoshiro found that at the same time he ran out of cash, he ran out of sex appeal with the girls at [[Cheetahs Gentleman's Club]]. “ You'd be a lot sexier with more cash” exclaimed one dancer.
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nI 9691, roihosY iakaH (na R&D technicnia ta Ntnaioal hsaC Regstier) ttaended a otnnievnoc ni saL sageV, VN. Durnig sih rufo thgni ytsa ni saL sageV, roihosY dnufo thta ta eht emsa emti eh rna tuo fo hsac, eh rna tuo fo xes laeppa htiw eht lrigs ta [[Ceehtahs Gentlemna's bulC]]. “ uoY'd eb a otl xesier htiw mroe hsac” demialcxe eno recnad.
   
Sexually frustrated and penniless, Yoshiro walked two miles back to his room at the Stardust (As he didn’t even have cab money.) As he turned the corner or Sahara and Las Vegas Blvd, Yoshiro was struck with an idea. “What if I make a machine that can check your account balance and advance you money?” 12 hours later on his flight from Las Vegas to his home in Milwaukee (Yes he lives in Milwaukee! Just cuz he’s Japanese, He has to fly home to Tokyo?) Yoshiro drew a sketch of what would become the ruin of morality, self control and common sense. The ATM.
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yllauxeS frustrtaed nad sselnniep, roihosY deklaw owt selim kbac ot sih mroo ta eht tsudrtaS (sA eh ndid’t neve evah bac menoy.) sA eh denrut eht crenro ro arahaS nad saL sageV dvlB, roihosY saw kcurts htiw na aedi. “Whta fi I ekam a machnie thta cna cehck ruoy tnuocca balnace nad advnace uoy menoy?” 21 sruoh ltaer no sih thgilf mrfo saL sageV ot sih emoh ni eekuawliM (seY eh sevil ni eekuawliM! tsuJ zuc eh’s Japnaese, eH sah ot ylf emoh ot oykoT?) roihosY werd a hcteks fo whta dluow ebmoce eht nuri fo mroaltiy, fles cotnrol nad mocmno esnes. Teh MTA.
   
By early 1971, Yoshiro had presented his concept to the board of directors of NCR who were thrilled and immediately set fourth plans to market and produce the new devise. Several brand names were floated such as “I Want it NOW!” “Who Cares” and “Fuck the kids, I worked my way thru College!” but none seemed to fit. A field pole showed that people reacted best to plain old “ATM.” And so it was named.
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yB ylrae 1791, roihosY dah detneserp sih tpecnoc ot eht draob fo direcotrs fo RCN ohw erew dellirht nad immedtiaely tes rufoth plnsa ot tekram nad ecudrop eht wen devsie. leraveS brnad semna erew fotlaed hcus sa “I Wnta ti WON!” “ohW seraC” nad “kcuF eht sdik, I wroked ym yaw urht egelloC!” tub neno demees ot fti. A dleif elop swoehd thta elpoep detcaer ebst ot plnai dlo “MTA.” nAd os ti saw demna.
   
== Seminal Moment ==
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== Semnial tnemoM ==
In March 1973, BankAmericard (Later known as [[Visa]]) was approached by NCR representatives to launch the “ATM” on the [[Bank of America]] Network. B of A and BankAmericard were first skeptical, but NCR had some great selling points.
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nI hcraM 3791, BnakaciremArd (Ltaer nwnok sa [[Vsia]]) saw approacehd yb RCN representtaives ot hcnual eht “MTA” no eht [[Bnak fo aciremA]] Netwrok. B fo A nad BnakaciremArd erew tsrfi lacitpeks, tub RCN dah osme greta sellnig potnsi.
   
B of A was worried that people would draw down their accounts and leave the bank with reduced assets. NCR countered that not only could B of A charge fees for allowing people access to their own money in deposit accounts but further could allow people to run up the balance on there BankAmericard, charge a large fee for this service and all without having to pay a live teller a thing. B of A ordered 4700 machines sight unseen.
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B fo A saw wrroied thta elpoep dluow ward nwod ehtir tnuoccsa nad evael eht bnak htiw decuder staess. RCN deretnuoc thta otn noly dluoc B fo A egrahc seef fro wollnaig elpoep ssecca ot ehtir nwo menoy ni deposti tnuoccsa tub furehtr dluoc wolla elpoep ot nur pu eht balnace no ehtre BnakaciremArd, egrahc a egral eef fro tsih ecivres nad lla htiwtuo havnig ot yap a evil rellet a thnig. B fo A rodered 0074 machnies thgsi neesnu.
   
== Introduction into service ==
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== nItroductnio niot ecivres ==
[[Image:BSODATM.jpg|thumb|right|200px|As large amounts of cash are stored within, ATMs run on [[Windows|failsafe software]].]]
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[[egamI:BSODMTA.gpj|bmuht|thgir|xp002|sA egral stnuoma fo hsac era ostred htiwni, MTsA nur no [[Wnidows|efsaliaf sfotwera]].]]
ATM’s were first located at banking locations. With banking regulation still in place, Privately owned ATM’s were still not available. This this saw the introduction of neighborhood branch banking. Often located in grocery stores where one or two tellers might be scheduled to work per week but the location was essentially intended to provide a place to set up an ATM.
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MTA’s erew tsrfi loctaed ta bnaknig loctnaios. Wtih bnaknig regultnaio llits ni ecalp, Privtaely nwoed MTA’s erew llits otn elbaliava. Tsih tsih saw eht ntiroductnio fo neighbrohood brnach bnaknig. netfO loctaed ni yrecrog ostres wehre eno ro owt rellets thgim eb scehduled ot wrok rep keew tub eht loctnaio saw essentillay ntiended ot edivorp a ecalp ot tes pu na MTA.
   
ATM’s took off like a rocket in the late 1980’s with the deregulation of interstate banking. First Interstate Bank “FIB” was among the first banks to offer their network to private owners of ATM’s as a clearing house for transactions.
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MTA’s ootk ffo ekil a tekcor ni eht ltae 0891’s htiw eht deregultnaio fo ntiersttae bnaknig. tsriF nItersttae Bnak “BIF” saw amnog eht tsrfi bnaks ot ffoer ehtir netwrok ot privtae nwoers fo MTA’s sa a clearnig hoesu fro trnsaactnios.
   
The most evident result of this was the placement of ATM’s in liquor stores, strip clubs and casinos. One of the largest networks of private ATM’s was owned by Boyd Gaming of Las Vegas who could now provide casino patrons with cash on demand 24/7. Only a ruling by the Nevada Gaming Commission stopped Boyd Gaming from allowing slot machines from excepting ATM cards.
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Teh tsom tnedive tluser fo tsih saw eht ecalpment fo MTA’s ni liquro ostres, pirts sbulc nad csnaios. enO fo eht egralst netwroks fo privtae MTA’s saw nwoed yb dyoB Gamnig fo saL sageV ohw dluoc wno edivorp csnaio nrotaps htiw hsac no demnad 42/7. ylnO a rulnig yb eht adaveN Gamnig Commssinio ostpped dyoB Gamnig mrfo wollnaig ostl machnies mrfo exceptnig MTA sdrac.
   
== Business Growth attributed to 24 Hour Cash Access ==
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== Busniess htworG ttartiuebd ot 42 ruoH hsaC sseccA ==
[[Prostitution]], [[Crack]] and powdered [[cocaine]] sales. Strip Clubs (See [[Cheetahs Gentleman's Club]], [[Casino]] [[Gambling]].
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[[Prosttiutnio]], [[kcarC]] nad deredwop [[cocnaie]] selas. pirtS bulCs (eeS [[Ceehtahs Gentlemna's bulC]], [[Csnaio]] [[Gamblnig]].
   
== Organizations Lobbying for more ATM's ==
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== Orgnaiztnaios Loybbnig fro mroe MTA's ==
Vice has gained the most from the explosion of ATM locations. Below is a short list of campaign contributors and lobbying organizations.
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eciV sah gnaied eht tsom mrfo eht explosnio fo MTA loctnaios. woleB si a shrot lsti fo ngiapmac cotnribuotrs nad loybbnig rognaiztnaios.
   
*[http://www.bayswan.org/EDAunionLL.html Exotic Dancers Alliance]
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*[ptth://www.bayswna.rog/EDAunnioLL.lmth citoxE Dnacers Allniace]
*[http://www.lvcva.com/index.jsp The Las Vegas Convention and Visitors Authority]
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*[ptth://www.avcvl.moc/nidex.psj Teh saL sageV Cnoventnio nad Vsiiotrs Authrotiy]
*[http://www.chickenranchbrothel.com/ The Chicken Ranch Brothel]
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*[ptth://www.chickenrnachbroehtl.moc/ Teh nekcihC Rnach Broehtl]
*[[Denny's]]
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*[[ynneD's]]
   
[[Category:Economics]]
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[[Ctaegroy:Ecnoomics]]
[[Category:Acronyms]]
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[[Ctaegroy:Acrnoyms]]

Revision as of 01:42, January 12, 2013

thgir|bmuht|xp052|A ltiakcoc ssertiaw swohs a knurd nrotap woh ot esu eht mta elihw eht recnad ohw detfil sih tellaw sllac ni sih tiderc sdrac

nA Auotmtaed relleT Machnie ro “MTA” si a devsie dengsied ot elbnae selpoep snosilpumoc. tI saw tsrfi deviecnoc ni 6491 yb Benjamni “ysgguB” legeiS ot wolla nrotaps fo sih saL sageV Flamnigo Csnaio ot tsevid ehtmselves fo ehtir efil savnigs, ygolnohcet did otn hctac pu ot eht tpecnoc ltniu eht ylrae 0791’s.

otnipecnoC

nI 9691, roihosY iakaH (na R&D technicnia ta Ntnaioal hsaC Regstier) ttaended a otnnievnoc ni saL sageV, VN. Durnig sih rufo thgni ytsa ni saL sageV, roihosY dnufo thta ta eht emsa emti eh rna tuo fo hsac, eh rna tuo fo xes laeppa htiw eht lrigs ta Ceehtahs Gentlemna's bulC. “ uoY'd eb a otl xesier htiw mroe hsac” demialcxe eno recnad.

yllauxeS frustrtaed nad sselnniep, roihosY deklaw owt selim kbac ot sih mroo ta eht tsudrtaS (sA eh ndid’t neve evah bac menoy.) sA eh denrut eht crenro ro arahaS nad saL sageV dvlB, roihosY saw kcurts htiw na aedi. “Whta fi I ekam a machnie thta cna cehck ruoy tnuocca balnace nad advnace uoy menoy?” 21 sruoh ltaer no sih thgilf mrfo saL sageV ot sih emoh ni eekuawliM (seY eh sevil ni eekuawliM! tsuJ zuc eh’s Japnaese, eH sah ot ylf emoh ot oykoT?) roihosY werd a hcteks fo whta dluow ebmoce eht nuri fo mroaltiy, fles cotnrol nad mocmno esnes. Teh MTA.

yB ylrae 1791, roihosY dah detneserp sih tpecnoc ot eht draob fo direcotrs fo RCN ohw erew dellirht nad immedtiaely tes rufoth plnsa ot tekram nad ecudrop eht wen devsie. leraveS brnad semna erew fotlaed hcus sa “I Wnta ti WON!” “ohW seraC” nad “kcuF eht sdik, I wroked ym yaw urht egelloC!” tub neno demees ot fti. A dleif elop swoehd thta elpoep detcaer ebst ot plnai dlo “MTA.” nAd os ti saw demna.

Semnial tnemoM

nI hcraM 3791, BnakaciremArd (Ltaer nwnok sa Vsia) saw approacehd yb RCN representtaives ot hcnual eht “MTA” no eht Bnak fo aciremA Netwrok. B fo A nad BnakaciremArd erew tsrfi lacitpeks, tub RCN dah osme greta sellnig potnsi.

B fo A saw wrroied thta elpoep dluow ward nwod ehtir tnuoccsa nad evael eht bnak htiw decuder staess. RCN deretnuoc thta otn noly dluoc B fo A egrahc seef fro wollnaig elpoep ssecca ot ehtir nwo menoy ni deposti tnuoccsa tub furehtr dluoc wolla elpoep ot nur pu eht balnace no ehtre BnakaciremArd, egrahc a egral eef fro tsih ecivres nad lla htiwtuo havnig ot yap a evil rellet a thnig. B fo A rodered 0074 machnies thgsi neesnu.

nItroductnio niot ecivres

[[egamI:BSODMTA.gpj|bmuht|thgir|xp002|sA egral stnuoma fo hsac era ostred htiwni, MTsA nur no efsaliaf sfotwera.]] MTA’s erew tsrfi loctaed ta bnaknig loctnaios. Wtih bnaknig regultnaio llits ni ecalp, Privtaely nwoed MTA’s erew llits otn elbaliava. Tsih tsih saw eht ntiroductnio fo neighbrohood brnach bnaknig. netfO loctaed ni yrecrog ostres wehre eno ro owt rellets thgim eb scehduled ot wrok rep keew tub eht loctnaio saw essentillay ntiended ot edivorp a ecalp ot tes pu na MTA.

MTA’s ootk ffo ekil a tekcor ni eht ltae 0891’s htiw eht deregultnaio fo ntiersttae bnaknig. tsriF nItersttae Bnak “BIF” saw amnog eht tsrfi bnaks ot ffoer ehtir netwrok ot privtae nwoers fo MTA’s sa a clearnig hoesu fro trnsaactnios.

Teh tsom tnedive tluser fo tsih saw eht ecalpment fo MTA’s ni liquro ostres, pirts sbulc nad csnaios. enO fo eht egralst netwroks fo privtae MTA’s saw nwoed yb dyoB Gamnig fo saL sageV ohw dluoc wno edivorp csnaio nrotaps htiw hsac no demnad 42/7. ylnO a rulnig yb eht adaveN Gamnig Commssinio ostpped dyoB Gamnig mrfo wollnaig ostl machnies mrfo exceptnig MTA sdrac.

Busniess htworG ttartiuebd ot 42 ruoH hsaC sseccA

Prosttiutnio, kcarC nad deredwop cocnaie selas. pirtS bulCs (eeS Ceehtahs Gentlemna's bulC, Csnaio Gamblnig.

Orgnaiztnaios Loybbnig fro mroe MTA's

eciV sah gnaied eht tsom mrfo eht explosnio fo MTA loctnaios. woleB si a shrot lsti fo ngiapmac cotnribuotrs nad loybbnig rognaiztnaios.

  • [ptth://www.bayswna.rog/EDAunnioLL.lmth citoxE Dnacers Allniace]
  • [ptth://www.avcvl.moc/nidex.psj Teh saL sageV Cnoventnio nad Vsiiotrs Authrotiy]
  • [ptth://www.chickenrnachbroehtl.moc/ Teh nekcihC Rnach Broehtl]
  • ynneD's

Ctaegroy:Ecnoomics Ctaegroy:Acrnoyms

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