8+ ATM Machine Use Case Diagrams: Examples & Templates


8+ ATM Machine Use Case Diagrams: Examples & Templates

A visible illustration depicting the interactions between a person and an automatic teller machine (ATM) system is commonly created throughout software program growth. This mannequin, a specialised sort of behavioral diagram within the Unified Modeling Language (UML), illustrates the assorted actions a person may carry out (similar to withdrawing money, checking steadiness, or transferring funds) and the way the system responds to those requests. A easy instance would present the “Withdraw Money” use case, detailing the steps concerned: person inserts card, enters PIN, specifies quantity, receives money, and receives a receipt.

Such diagrams are essential for clarifying system necessities, facilitating communication between builders and stakeholders, and guiding the design and implementation course of. They provide a transparent, concise overview of system performance, permitting potential points or ambiguities to be recognized and addressed early within the growth lifecycle. Traditionally, these fashions have advanced alongside developments in software program engineering practices, changing into important instruments for managing complexity in interactive techniques.

This foundational understanding of system habits helps additional exploration of particular design issues, implementation particulars, and potential challenges associated to safety, usability, and maintainability. These matters can be addressed within the following sections.

1. Actors (Customers)

Throughout the context of an ATM machine use case diagram, actors characterize the exterior entities that work together with the system. Figuring out these actors is essential for outlining the system’s boundaries and understanding its supposed performance. This part explores the assorted actors usually concerned in such a system.

  • Buyer

    The shopper is the first actor in an ATM system. This particular person interacts with the ATM to carry out varied transactions, similar to withdrawing money, checking account balances, and making transfers. Actual-world examples embody financial institution patrons accessing their accounts by means of ATMs. Within the context of the diagram, the shopper initiates nearly all of the use circumstances.

  • Financial institution Employees/Technician

    Financial institution personnel, together with technicians and upkeep employees, work together with the ATM system for administrative and upkeep functions. These interactions may contain replenishing money, resolving technical points, or performing software program updates. Their position is crucial for making certain the system’s continued operation and safety, though their interactions differ considerably from these of a buyer.

  • Financial institution System

    Whereas not a human actor, the financial institution’s central pc system represents an important exterior entity inside the ATM use case diagram. This method communicates with the ATM to authorize transactions, replace account balances, and handle different backend processes. Its presence within the diagram highlights the interdependencies between the ATM and the broader monetary community.

  • Card Community (e.g., Visa, Mastercard)

    The cardboard community acts as an middleman, facilitating communication and transaction processing between the ATM and the shopper’s issuing financial institution. This actor ensures safe communication and handles transaction authorization, enjoying a significant position in finishing monetary operations initiated on the ATM. Its inclusion within the diagram emphasizes the system’s reliance on exterior monetary infrastructures.

Defining these actors and their respective interactions clarifies the scope and performance of the ATM system. The use case diagram successfully maps these interactions, offering a visible illustration of how every actor contributes to the general system operation and highlighting key dependencies between inner and exterior parts.

2. Use Instances (Actions)

Use circumstances characterize the particular actions a person can carry out inside an ATM system. A complete understanding of those actions is crucial for designing and implementing a practical and user-friendly ATM. Throughout the context of an ATM machine use case diagram, these use circumstances kind the core of the system’s performance, depicting the interactions between the person and the machine.

  • Withdraw Money

    This basic use case describes the method of a buyer retrieving cash from their account. It includes steps like inserting a card, coming into a PIN, choosing an account, specifying the withdrawal quantity, and receiving money. Actual-world examples embody withdrawing cash for day by day bills or bigger purchases. Within the diagram, this use case highlights the interplay between the shopper and the ATM, in addition to the ATM’s communication with the financial institution system for transaction processing.

  • Verify Steadiness

    This use case permits prospects to view their account steadiness. It usually includes inserting a card, coming into a PIN, and choosing the steadiness inquiry possibility. Clients use this operate to observe their funds and handle their funds. Throughout the diagram, this use case emphasizes the knowledge retrieval facet of the ATM system, showcasing the interplay between the shopper, the ATM, and the financial institution system for information entry.

  • Switch Funds

    Transferring funds between accounts is one other key use case. This includes choosing supply and vacation spot accounts, specifying the switch quantity, and confirming the transaction. Clients make the most of this performance to handle a number of accounts or ship cash to others. The diagram depicts this use case as a extra advanced interplay involving the shopper, the ATM, and the financial institution system, highlighting the information alternate and replace processes.

  • Deposit Funds

    This use case allows prospects to deposit money or checks into their accounts. It usually includes inserting a card, coming into a PIN, choosing the deposit possibility, and inserting the funds into a chosen slot. The diagram portrays this interplay as a two-way alternate between the shopper and the ATM, involving information updates inside the financial institution system to mirror the deposited quantity.

These use circumstances, when visualized inside an ATM machine use case diagram, present a complete overview of the system’s core functionalities. The diagram serves as a blueprint for builders and stakeholders, clarifying the interactions between the person and the system and facilitating efficient communication all through the event course of. Additional evaluation of those use circumstances can reveal potential complexities and inform design choices associated to safety, error dealing with, and person interface design.

3. System Boundary

The system boundary in an ATM machine use case diagram demarcates the scope of the ATM system itself, separating its inner parts and functionalities from exterior actors and techniques. This delineation is essential for understanding the obligations of the ATM system and the way it interacts with its atmosphere. It defines what processes happen inside the ATM’s management and that are exterior. For instance, validating a person’s PIN and shelling out money are inside the system boundary, whereas verifying account balances with the financial institution’s central system falls exterior. Clearly defining this boundary aids in figuring out dependencies, clarifying system necessities, and allocating growth obligations.

A sensible instance of the system boundary’s significance is in troubleshooting. If a buyer experiences a difficulty withdrawing money, understanding the system boundary helps decide the supply of the issue. If the ATM shows an “Inadequate Funds” error, the difficulty seemingly lies exterior the system boundary, inside the financial institution’s techniques. Nonetheless, if the ATM fails to dispense money regardless of ample funds, the issue seemingly resides inside the system boundary, maybe a mechanical malfunction. This understanding streamlines drawback analysis and backbone, resulting in sooner and simpler upkeep.

In abstract, the system boundary in an ATM machine use case diagram serves as an important instrument for understanding system scope and interactions. It clarifies the obligations of the ATM system, aids in figuring out exterior dependencies, and facilitates efficient troubleshooting. A well-defined system boundary contributes to a extra sturdy and maintainable system design by offering a transparent separation of considerations between the ATM and its exterior atmosphere. This understanding is crucial for builders, testers, and stakeholders concerned within the ATM system’s lifecycle.

4. Relationships (Interactions)

Relationships, or interactions, inside an ATM machine use case diagram depict the dynamic interaction between actors and use circumstances, illustrating how exterior entities have interaction with the system’s functionalities. These relationships, typically represented by connecting strains, make clear the circulate of occasions and dependencies between completely different components of the system. Understanding these connections is essential for comprehending the general system habits and making certain its correct design and implementation. A major sort of relationship is the affiliation, which signifies a communication path between an actor and a use case. For instance, a line connecting the “Buyer” actor to the “Withdraw Money” use case signifies the shopper’s initiation of this particular motion. Different relationship sorts, similar to embody and lengthen, additional refine the interactions by representing practical decomposition and non-compulsory habits, respectively. These relationships, when correctly outlined, present a complete view of how completely different parts work together inside the ATM system.

A sensible instance demonstrating the significance of understanding these relationships might be seen within the “Switch Funds” use case. This use case includes a number of interactions: the shopper interacting with the ATM, the ATM speaking with the financial institution’s central system to confirm account balances and authorize the switch, and probably interactions with a card community for transaction processing. The relationships depicted within the use case diagram make clear these advanced interactions, highlighting the dependencies between varied parts. This readability facilitates environment friendly communication amongst builders and stakeholders, lowering ambiguity and potential errors in the course of the growth lifecycle. Furthermore, analyzing these relationships can reveal potential bottlenecks or safety vulnerabilities, enabling proactive mitigation methods.

In abstract, clearly outlined relationships inside an ATM machine use case diagram are important for understanding the system’s dynamic habits. They supply a visible illustration of how actors work together with the system’s functionalities, clarifying dependencies and potential complexities. This understanding is essential for efficient system design, implementation, and upkeep, finally contributing to a extra sturdy and dependable ATM system. Failure to precisely characterize these relationships can result in misunderstandings, design flaws, and finally, a compromised person expertise.

5. Withdraw Money

“Withdraw Money” represents a central use case inside an ATM machine use case diagram, illustrating the core interplay between a buyer and the ATM for retrieving funds. Understanding this use case is prime to comprehending the general performance and design of the ATM system. This part explores the important thing aspects of the “Withdraw Money” use case and its implications inside the broader context of the diagram.

  • Consumer Interplay

    The “Withdraw Money” use case initiates with the shopper’s interplay on the ATM. This includes inserting a debit or bank card, coming into a Private Identification Quantity (PIN), and navigating the ATM’s menu to pick the withdrawal possibility. Actual-world examples embody withdrawing cash for day by day bills, paying payments, or making purchases. Throughout the use case diagram, this preliminary interplay represents the start line of the “Withdraw Money” course of and highlights the shopper’s position as the first actor.

  • System Performance

    Following the shopper’s enter, the ATM system performs a sequence of inner operations. These embody verifying the entered PIN, speaking with the financial institution’s central system to validate the account and accessible steadiness, and processing the requested withdrawal quantity. This inner processing is essential for making certain the safety and integrity of the transaction. The use case diagram depicts these inner operations as a part of the system’s response to the shopper’s request, demonstrating the advanced interaction between the ATM and the broader monetary community.

  • Money Disbursement

    Upon profitable verification and processing, the ATM dispenses the requested money to the shopper. This bodily motion represents the end result of the “Withdraw Money” use case. The use case diagram visually represents this motion, emphasizing the tangible consequence of the shopper’s interplay with the ATM system. This step includes mechanical parts inside the ATM, highlighting the mixing of {hardware} and software program inside the system.

  • Transaction Completion

    After shelling out money, the ATM usually gives the shopper with a transaction receipt. This receipt serves as a report of the withdrawal, together with the date, time, quantity, and related account data. The use case diagram might characterize this step as the ultimate interplay inside the “Withdraw Money” use case, signifying the profitable completion of the transaction. This last step underscores the significance of offering suggestions to the shopper and sustaining transaction information for auditing and reconciliation functions.

Analyzing the “Withdraw Money” use case inside the framework of an ATM machine use case diagram gives a complete understanding of this important performance. By breaking down the method into these distinct aspects, the diagram successfully communicates the interactions between the shopper and the ATM system, highlighting the important thing steps concerned in a money withdrawal transaction. This clear visualization facilitates efficient communication amongst builders, stakeholders, and different events concerned within the design, implementation, and upkeep of the ATM system. Moreover, it serves as a worthwhile instrument for figuring out potential areas for enchancment, similar to enhancing safety measures or optimizing transaction processing pace.

6. Verify Steadiness

The “Verify Steadiness” use case holds important significance inside an ATM machine use case diagram, representing a frequent and important interplay between the shopper and the system. This performance permits prospects to rapidly and conveniently entry their account steadiness data with out performing a withdrawal or different transaction. Understanding the parts and implications of this use case is essential for designing a user-friendly and environment friendly ATM system. The next aspects discover the important thing elements of “Verify Steadiness” inside the context of an ATM machine use case diagram.

  • Consumer Initiation

    The “Verify Steadiness” course of begins with the shopper initiating the request on the ATM. This usually includes inserting a card, coming into a PIN, and navigating the ATM’s menu system to pick the steadiness inquiry possibility. This preliminary step highlights the shopper’s energetic position in requesting account data. Throughout the use case diagram, this interplay is depicted as the start line of the “Verify Steadiness” use case, illustrating the circulate of occasions inside the system.

  • System Request and Response

    As soon as the shopper initiates the request, the ATM system communicates with the financial institution’s central system to retrieve the present account steadiness. This communication includes safe information alternate between the ATM and the financial institution’s database. The use case diagram typically represents this communication hyperlink, demonstrating the system’s interplay with exterior parts. The financial institution’s system responds with the requested account steadiness data, which is then relayed again to the ATM.

  • Steadiness Show

    After receiving the account steadiness from the financial institution’s system, the ATM shows this data to the shopper on its display screen. This show might embody the accessible steadiness, pending transactions, or different related account particulars. The readability and format of this show are essential for making certain a constructive person expertise. The use case diagram might implicitly characterize this step as a part of the system’s response to the shopper’s request, emphasizing the availability of data as the first consequence of the “Verify Steadiness” use case.

  • Safety Concerns

    Safety measures are paramount inside the “Verify Steadiness” use case, as with all ATM transactions. The system should guarantee safe communication between the ATM and the financial institution’s system to guard delicate account data. Moreover, the ATM ought to implement measures to stop unauthorized entry to account balances, similar to requiring PIN entry and implementing session timeouts. Whereas not explicitly depicted within the use case diagram itself, these safety issues are integral to the design and implementation of a sturdy and safe ATM system. They inform the underlying system structure and affect the particular interactions represented within the diagram.

Understanding these aspects of the “Verify Steadiness” use case gives worthwhile insights into the design and performance of an ATM system. Throughout the context of an ATM machine use case diagram, these parts spotlight the interplay between the shopper, the ATM, and the financial institution’s system, emphasizing the circulate of data and the significance of safety. This understanding is essential for builders, testers, and stakeholders concerned within the ATM system’s lifecycle, enabling them to create a system that’s each user-friendly and safe. Moreover, analyzing the “Verify Steadiness” use case can inform the event of extra options, similar to the power to view transaction historical past or entry different account-related data, enhancing the general person expertise and increasing the system’s capabilities.

7. Switch Funds

The “Switch Funds” use case represents a key performance inside an ATM machine use case diagram, demonstrating the system’s capability to facilitate digital motion of cash between accounts. Understanding this use case is essential for comprehending the complexities of inter-account transactions inside the ATM system and its interplay with the broader monetary community. This exploration delves into the assorted aspects of “Switch Funds,” offering insights into its mechanics and significance.

  • Supply and Vacation spot Account Choice

    The “Switch Funds” course of begins with the shopper choosing each the supply and vacation spot accounts. This choice course of might contain selecting from a listing of linked accounts or manually coming into account numbers. Actual-world situations embody transferring funds between private checking and financial savings accounts or sending cash to a different particular person’s account. Throughout the use case diagram, this step highlights the person’s interplay with the system to specify the parameters of the switch.

  • Quantity Specification and Verification

    Following account choice, the shopper specifies the quantity to be transferred. The ATM system might carry out preliminary validation checks to make sure the entered quantity is inside acceptable limits and conforms to any predefined transaction guidelines. This step emphasizes the system’s position in managing the integrity of the switch course of. The use case diagram can characterize this interplay by depicting the circulate of data between the person and the system.

  • Transaction Authorization and Processing

    As soon as the switch particulars are confirmed, the ATM system communicates with the financial institution’s central system to authorize and course of the transaction. This communication includes safe information alternate and verification processes to make sure the switch is reliable and compliant with banking rules. The use case diagram typically depicts this interplay with an exterior system, highlighting the ATM’s dependence on the broader monetary community. The financial institution’s system validates the switch request towards accessible funds, safety protocols, and different related standards.

  • Affirmation and Receipt Technology

    Upon profitable transaction processing, the ATM system confirms the switch with the shopper and generates a receipt. This receipt gives a report of the transaction, together with the date, time, transferred quantity, and related account particulars. This last step emphasizes the system’s position in offering suggestions to the person and sustaining transaction information for auditing and reconciliation functions. The use case diagram might implicitly or explicitly characterize this last interplay, marking the completion of the “Switch Funds” course of.

Analyzing “Switch Funds” inside an ATM machine use case diagram gives worthwhile insights into the advanced interactions and dependencies inherent on this performance. By dissecting the method into these key aspects, the diagram successfully communicates the circulate of occasions and data alternate between the shopper, the ATM, and the financial institution’s central system. This complete understanding is essential for builders, testers, and different stakeholders concerned within the design, growth, and upkeep of the ATM system. Furthermore, it aids in figuring out potential areas for enchancment, similar to optimizing transaction processing pace or enhancing safety measures, finally contributing to a extra sturdy and dependable system. Evaluating this use case with others, like “Withdraw Money” or “Verify Steadiness,” additional clarifies the distinct functionalities and their respective complexities inside the general system structure.

8. Deposit Funds

The “Deposit Funds” use case represents an important performance inside an ATM machine use case diagram, highlighting the system’s means to just accept and course of buyer deposits. This use case expands the ATM’s position past easy money shelling out and inquiries, permitting customers to actively handle their accounts by including funds. Understanding the intricacies of “Deposit Funds” is crucial for comprehending the total scope of an ATM system’s capabilities and its impression on person interplay. This exploration will delve into the important thing aspects of this use case, illustrating its significance inside the general system structure.

  • Consumer Interplay and Deposit Preparation

    The “Deposit Funds” course of begins with the shopper initiating the deposit on the ATM. This usually includes inserting a card, coming into a PIN, and navigating the ATM’s menu to pick the deposit possibility. Earlier than bodily depositing funds, customers may have to arrange the deposit by endorsing checks, filling out deposit slips (if required), and organizing money into acceptable denominations. This preliminary step highlights the person’s energetic position in making ready and initiating the deposit transaction.

  • Deposit Insertion and Verification

    Following preparation, the shopper inserts the money or examine deposit into a chosen slot on the ATM. Fashionable ATMs typically make the most of superior scanning know-how to confirm the deposited quantity and detect counterfeit payments or fraudulent checks. This verification course of is essential for making certain the integrity and safety of the transaction. Throughout the context of the use case diagram, this step represents the bodily interplay between the person and the ATM, showcasing the {hardware} element of the deposit course of.

  • Transaction Processing and Affirmation

    After the ATM verifies the deposit, the system communicates with the financial institution’s central system to course of the transaction. This communication includes safe information alternate to replace the shopper’s account steadiness and report the deposit particulars. The use case diagram typically represents this interplay with an exterior system, highlighting the ATM’s connection to the broader monetary community. Upon profitable processing, the ATM gives the shopper with a affirmation message and a receipt.

  • Account Updating and Reconciliation

    The ultimate step within the “Deposit Funds” use case includes updating the shopper’s account steadiness inside the financial institution’s system. This replace displays the deposited quantity, making the funds accessible in response to the financial institution’s insurance policies. The financial institution performs common reconciliations to make sure the accuracy of those transactions and keep the integrity of monetary information. Whereas not explicitly depicted within the use case diagram, this backend course of is crucial for the entire lifecycle of a deposit transaction.

In conclusion, the “Deposit Funds” use case, when analyzed inside the framework of an ATM machine use case diagram, affords a complete understanding of a key ATM performance. By exploring these aspects, the diagram successfully communicates the interactions between the shopper, the ATM, and the banking system. This detailed perspective not solely facilitates clear communication amongst stakeholders but additionally informs design choices associated to safety, person interface, and system integration. Moreover, evaluating “Deposit Funds” with different use circumstances, similar to “Withdraw Money” or “Switch Funds”, reveals the varied interactions and functionalities inside an entire ATM system, highlighting the system’s position in facilitating varied monetary transactions.

Often Requested Questions

This part addresses widespread inquiries relating to automated teller machine (ATM) use case diagrams, offering concise and informative responses to make clear their objective, software, and significance inside software program growth.

Query 1: What’s the major objective of an ATM use case diagram?

An ATM use case diagram serves to visually characterize the interactions between customers (actors) and the ATM system. It outlines the assorted functionalities provided by the ATM, similar to withdrawing money, checking balances, and transferring funds, clarifying how customers have interaction with these options.

Query 2: How does a use case diagram profit the software program growth course of for ATM techniques?

Use case diagrams facilitate clear communication amongst stakeholders, together with builders, testers, and enterprise analysts. They supply a shared understanding of system necessities, making certain everyone seems to be aligned on the supposed performance, thus lowering ambiguity and potential errors throughout growth.

Query 3: What are the important thing parts of an ATM use case diagram?

Key parts embody actors (e.g., buyer, financial institution employees), use circumstances (e.g., withdraw money, deposit funds), the system boundary, and relationships that join actors to make use of circumstances, illustrating the interactions between them. These components collectively outline the scope and performance of the ATM system.

Query 4: How does the system boundary contribute to understanding the diagram?

The system boundary delineates the scope of the ATM system itself, separating its inner functionalities from exterior actors and techniques. This distinction clarifies the obligations of the ATM system and its interactions with exterior entities just like the financial institution’s central system.

Query 5: Can use case diagrams depict variations in person habits or system responses?

Sure, by means of relationships like “embody” and “lengthen,” use case diagrams can characterize non-compulsory functionalities or variations in system habits based mostly on particular situations. This enables for a extra complete and nuanced illustration of system performance.

Query 6: How do use case diagrams contribute to a extra sturdy and safe ATM system?

By clearly outlining system functionalities and interactions, use case diagrams help in figuring out potential safety vulnerabilities and design flaws early within the growth course of. This enables for proactive implementation of safety measures, contributing to a extra sturdy and safe ATM system.

Understanding these incessantly requested questions gives a complete overview of ATM use case diagrams and their position in growing sturdy and user-friendly ATM techniques. This data facilitates efficient communication and collaboration amongst stakeholders, finally contributing to a extra profitable growth course of.

The following sections will delve deeper into particular elements of ATM system design and implementation, constructing upon the foundational understanding established by the use case diagram.

Ideas for Efficient Use Case Diagram Creation

Creating efficient use case diagrams requires cautious consideration of varied elements. These diagrams function blueprints for system habits and facilitate clear communication amongst stakeholders. The next ideas present steerage for establishing diagrams that precisely characterize system performance and contribute to a streamlined growth course of.

Tip 1: Clearly Outline System Scope: Exactly outline the boundaries of the system being modeled. This readability ensures the diagram focuses on related functionalities and avoids pointless complexity. For an ATM system, the scope may embody money withdrawals, steadiness inquiries, and fund transfers, however exclude inner banking processes like curiosity calculations.

Tip 2: Determine All Actors: Determine all exterior entities interacting with the system, whether or not human customers or different techniques. In an ATM situation, actors may embody prospects, financial institution employees, and the financial institution’s central system. Precisely representing all actors ensures an entire understanding of system interactions.

Tip 3: Give attention to Consumer Objectives: Construction use circumstances round person targets and goals, fairly than particular system operations. For instance, “Withdraw Money” displays a person objective, whereas “Confirm PIN” represents a system operation. Specializing in person targets ensures the diagram stays user-centric.

Tip 4: Maintain Use Case Descriptions Concise: Describe every use case with a quick, action-oriented identify that clearly communicates its objective. Keep away from overly technical language or implementation particulars. “Deposit Funds” is preferable to “Execute DepositFundsTransactionRoutine.” Conciseness improves diagram readability.

Tip 5: Use Relationships Appropriately: Make the most of relationships like “embody” and “lengthen” to characterize widespread habits or non-compulsory functionalities, respectively. Overuse can complicate the diagram; even handed software clarifies advanced interactions. As an illustration, “Authenticate Consumer” is likely to be included in a number of use circumstances.

Tip 6: Iterate and Refine: Use case diagrams will not be static paperwork. Commonly evaluate and refine the diagram as system necessities evolve or new data emerges. This iterative strategy ensures the diagram stays correct and related all through the event lifecycle.

Tip 7: Leverage Diagram Instruments: Make use of devoted diagramming instruments to create skilled and simply maintainable use case diagrams. These instruments provide options like computerized structure changes and model management, streamlining the diagramming course of. Standardized notation enhances readability and communication.

Adhering to those ideas ensures the creation of clear, concise, and efficient use case diagrams. These diagrams contribute considerably to profitable software program growth by facilitating communication, clarifying necessities, and finally, making certain the system meets person wants.

The next conclusion will summarize the important thing takeaways relating to efficient use case diagram creation and its significance within the software program growth lifecycle.

Conclusion

An ATM machine use case diagram gives an important visible illustration of system interactions, clarifying functionalities and person habits. Exploration of its componentsactors, use circumstances, system boundaries, and relationshipsilluminates the complexities of ATM operations, from money withdrawals and steadiness inquiries to fund transfers and deposits. Understanding these components is crucial for efficient communication amongst stakeholders, making certain alignment on system necessities and facilitating a streamlined growth course of. Cautious consideration of diagram creation greatest practices, together with clear scope definition, concise use case descriptions, and acceptable relationship utilization, additional enhances the diagram’s worth as a blueprint for system design and implementation.

The insights gained from an ATM machine use case diagram lengthen past rapid growth considerations. Such diagrams contribute to a extra sturdy and safe system by enabling early identification of potential vulnerabilities and design flaws. Moreover, they function a worthwhile instrument for ongoing system upkeep and evolution, adapting to altering person wants and technological developments. Finally, the efficient utilization of those diagrams represents a major step in the direction of constructing dependable, user-friendly, and safe ATM techniques that meet the calls for of contemporary monetary transactions.