Based on the characteristics of ATM system and the special requirement of financial transaction, an overall design of hardware and software structure of ATM was made. For software structure, the pattern of modules and table? drive is adopted to realize the security of financial transaction and the diagnosis of communication fault. A new method, which is based on the application layer, transport layer and network layer, is used for diagnosing communication fault. Supporting both magnetic card and IC card, the system has been put into use in real financial systems, and has brought about both economic and social effects.
