It surprises me, reading about it now, that it could be different in any other part of the world. That Flow A is the correct solution is not obvious, but it should be obvious to anyone who's studied human behavior and human error, which should be anyone involved in the design of ATMs. The form of "goal fixation" Jenny mentions is a very common pattern in human errors.
I once lost my card due to cash-then-card flow. And once left cash in card-then-cash machine. Bank did returned it though.
I'm really puzzled that someone is still designing "Flow B" type ATMs these days (unless its a 80s model that they bought at a yard sale...).
There's also an attack on ATMs called the "Lebanese Loop" which requires that the ATM try to retain a card. So there's a security problem with retaining cards.
It took two of us two ATMs and about 15mins to figure it out ;)
Does anyone happen to know what the difference is between 6 contact and 8 contact chips? I have an older travel card that has 6 pads, and a recently issued card that has 8 contact pads. Are they inter-operable? I've only used the chip and sign twice so far, both with the newer card.
Insert card -> Take card (no PIN entered yet) -> Choose account & amount -> Enter PIN -> Insert card again -> Take card -> Take cash
Also, most banks in Brazil have ATMs that DON'T give cash right beside ATMs that DO give cash. The ones that don't give cash are meant for deposits, balances, payments, and transfers, but the GUI is otherwise identical, i.e., they display a cash withdrawal button even though they aren't equipped for cash! "If you then proceed with a cash withdrawal, the machine will hold onto your card for several minutes while making dispensing noises and finally return your card without giving any cash or receipt."
There really is no standard.
That said, they've all used a "insert card -> remove card -> enter PIN -> perform transaction" flow rather than the "insert card -> enter PIN -> remove card -> perform transaction" flow mentioned in the article.
I see really only one potential advantage for doing it this way: you can provide other transactions after dispensing cash. So you could get some cash and then afterwards check your balance, for example, without having to re-enter card and PIN code. With the "international model", cash withdrawals are always the last transaction in the series as the card will always be withdrawn as part of the transaction. Nevertheless, I would judge this "convenience factor" as far less important as the protection against forgotten cards.
But maybe someone here works in the Canadian banking industry and has some clues? Maybe the recording of the withdrawal transactions works differently and the ATM needs the card for a short period after the money has been dispensed? I don't know...
However the other part about paying a lot in cash seems strange to me? And a fee on card payments while cash withdrawal is free if the exact opposite of my Dutch card. Paying in shops is free, cash withdrawal within the country is also free (not sure if all banks do this), but taking cash from an ATM abroad costs a small transaction fee.
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