<P> This said, not all errors are to the detriment of customers; there have been cases of machines giving out money without debiting the account, or giving out higher value notes as a result of incorrect denomination of banknote being loaded in the money cassettes . The result of receiving too much money may be influenced by the card holder agreement in place between the customer and the bank . </P> <P> Errors that can occur may be mechanical (such as card transport mechanisms; keypads; hard disk failures; envelope deposit mechanisms); software (such as operating system; device driver; application); communications; or purely down to operator error . </P> <P> To aid in reliability, some ATMs print each transaction to a roll - paper journal that is stored inside the ATM, which allows its users and the related financial institutions to settle things based on the records in the journal in case there is a dispute . In some cases, transactions are posted to an electronic journal to remove the cost of supplying journal paper to the ATM and for more convenient searching of data . </P> <P> Improper money checking can cause the possibility of a customer receiving counterfeit banknotes from an ATM . While bank personnel are generally trained better at spotting and removing counterfeit cash, the resulting ATM money supplies used by banks provide no guarantee for proper banknotes, as the Federal Criminal Police Office of Germany has confirmed that there are regularly incidents of false banknotes having been dispensed through ATMs . Some ATMs may be stocked and wholly owned by outside companies, which can further complicate this problem . Bill validation technology can be used by ATM providers to help ensure the authenticity of the cash before it is stocked in the machine; those with cash recycling capabilities include this capability . </P>

Who invented the atm in the united states and in what year