Muri iki gihe uburyo bwiza kandi bworoshye bwo kugera ku mafaranga yawe ,wabitse kuri konti ya Banki ni ukubikuza ukoresheje ikariya ya ATM, ikaba ari ikarita imaze kumenyerwa kubwo gukemura ibibazo by'imirongo yagaragaraga mu ma Banki ku bashaka kubkuza.
Ariko ubu ,umuntu wifitiye agakarita ke aragenda akagakoza mu cyuma ,ubundi amafaranga akameneka ,ni ibintu byiza cyane ,byoroshya akazi ,bikihutisha serivisi ,bikabungabunga igihe cyawe ,kandi n'bisirimu birizewe.
Hari amoko menshi yaya makarita ariko azwi cyane ni amoko abiri ,ariyo amakarya Debit Card n'amakarita ya Credit Card, izizwi cyane ni nka Visa Card ,Master Card ,Discover nizindi.... zose usanga umuntu ashobora kuzubikurizaho ariko bigatandukanira ku kuba zimwe ushobora no gukoresha amafaranga udafite kuri konti yawe.
Ubu nta muntu ukigendana ikofi yuzuye inoti ,ahubwo ugendana kano gakarita ,ukabikuriza aho ushaka hose ,nta rwikekwe rwo kwibwa nkuko byari bisanzwe mbere.
Amateka y'imashini ya ATM
ATM (Automatic Teller Machine) ni ukuvuga ko ari imashini itanga amafaranga ariko yikoresha muri make ni nk'umu Cachier,
Iyi mashini yatangijwe bwa mbere na Banki yo mu bwongereza ya Barclays Bank ,mu mwaka wa 1967 ,ariko iyi mashini ,ntiyari imeze nkizo dusanzwe tubona ,ahubwo yo ntiyasbaga ikarita nkuko tubigenza .
Yo wahabwaga igipapuro gifite agaciro k'amapoundi 10 (ifaranga ryo mu bwongereza ) ,hanyuma ukinjiza cya gipapuro mu mashini ,nayo ikagusohorera amapoundi 10 ,
Mu mwaka wa 1969 Banki yo muri Leta zunze ubumwe za Amerka ya Chemicla Bank iherereye mu mugi wa New York ,niyo ya mbere yakoresheje imashini ya ATM igezweho .imeze nkizi tubona ubu ,iyi mashini yashizwe mu gac ka Rckville.
Iyi mashini ya ATM ikaba ikora nka mudasobwa ,igufasha kureba amakuru ya Konti yawe ,kureba ibyakozwe ndetse no kubikuza amafaranga wifuza ,ikoze ku buryo ihuza amakuru ari mu mashini za Banki ,ikayahuza n'ikarta yawe.
Kugira ngo ukoresheje ATM bisaba kuba ufite ikarita ya Banki ikoze muri Pulasitiki aho uyinjiza mu mashini ,ubundi bakagusaba Pin ,ukaba ari umubare w'ibanga ,ahanini uba ugizwe n'imibare 4 ,iyo mibare rero niyo igufungurira amarembo kuri konti yawe.
Uko ibihe byagiye bisimburana imashini ya ATM yagiye ivugurwa ,ikagenda irushaho kugira ikoranabuhanga rijyanye n'igihe ,ndetse hakongerwa n'umutekano wazo ,hagiye havumburwa nizindi mashini nka POS riko yo ikoreshwa mu kwishyurana.
Debit Card na Credit Card bitandukanira he?
Muri rusange aya makrita fite itandukaniro rinini ,ariko abantu benshi ntibarizi ,amakarita abenshi dutunze burya ni Debit card ni ikarita ushobora kubikurizaho gusa ndetse no kureba amakuru ya Konti yawe.
Debit card ntishobora kubikura amafaranga udafite kuri konti ,bivuze ko udashobora kuyakiraho inguzanyo ,usanga akenshi tunafite amafaranga tutago,ba kubkuza arenzeho ku munsi ,izi karita dukunze kuzibona ari Visa Card na Master Card buretse ko atari buri gihe.
naho Credit CARD zo ni ikarita zimeze nka ziriya kandi zitangwa na Banki ,aho zitandukanira na Debit Card nuko zo ushobora kuzakiraho inguzanyo ,bivuze ko ushobora gukoresha amafaranga aruta ayo uite kuri konti yawe .
Ariko nabwo ikagira ibyitwa loan limit ,ayo utagomba kurenza uyigurizaho ,uba ufite igihe ugomba kuyishyurira ,iy utishyuriye ku gihe nabwo baguca amande , hari kompanyi n'amabanki byemera guha abakozi bayo aya makarita ariko akenshi usanga rubanda nyamwinshi twifitiye amakarita ya Debit Card .
Amateka y'ikarita ya ATM
amateka y'ikarita ya Banki atangirana n'amateka y'imashini ya ATM ivuguruye aho ni mu mwaka wa 1967 ariko mu myaka ya 1960 ,nibwo bisa naho amateka ya nyao atangirira aho ku mas sitasiyo ya essence .mu maduka amwe namwe bakoreshaga imashini zitanga amabombo nibindi biryoherere ,zifite imikorere nk'iya ATM tubona ubu.
Ikinyamkuru cya Pacific Stasrs amd Stripes kivuga ko mu gihugu cy'ubuyapani ariho hambere batangiye gukoresha imashini za ATM nabwo mu mwaka wa 1960 ariko bikaba bitaramenyekanye cyangwa ngo bivugwa cyane mu binyamakuru byo mu burengerazuba.
Byatwaye ikinyacumi cy'imyaka kugira ngo ama banki menshi atangire kwizera ikoreshwa ry'imashini za ATM ndetse n'amakarita yazo.
Uko iterambere mu nganda ndetse n'imigi yagendaga ikura hirya no hino ku isi ,uburyo bwonyine bwari bukemure ikibazo cy'imirongo yo ku ma guichet kwari ugukoresha amakarita ya ATM ,
Ibi byuma bitanga amafaranga byahise bikorwa ku bwinshi bishyirwa hirya no hino ,aho abantu bashobora kubisanga ubundi bakabikuza amafaranga yabo.
Ikarita ya Banki na Satani
Abantu bamwe bo mu matsinda ya gikirisitu harimo abizera ko ikarita ya ATM yaba ari imwe mu migambo ya Stanai ,ndetse akenshi ijambo Visa bigahuzwa n'imibare ya 666 ,ifatwa nk'ikimenyetso cya Sekibi.
Ubu bikaba byaratijwe umurindi na filimi yigeze gukinwa bayita Devils'ATM Card ,kandi ibi byose bikaba byanahujwe n'imigambi y'umuryango w'ibanga wa Illuminati .
Kugeza ubu nta gihamya ifata iragaragazwa ko aya makarita yaba afitanye isano na Sekibi cyangwa ariwe wayashizeho .