The current ATM machines that we usually operate daily use banking cards' and surely needs PIN (Personal Identification Number) These conditions may open to same threats, either the cards might be lost or be swallowed into the machine. While, is the PIN still necessary ? Can we leave out the PIN system in our life ? The answer is "Yes". There are some alternative options to substitute the PIN system, such as using "the eye retina scanning “ , "voice detection ","face detection“ , "or even "finger prints detection". Based on the above circumstances, I , herewith, try to present what is called "The New Age of ATM Concept".

The future ATM machine will accommodate several banking transactions like ; depositing, cash withdrawing, transferring, printing out transaction on the saving books. This machine will also take out and put back the bills in nominal of both Rp.100.000,- and Rp.50.000,- Instead of using PIN system, the ATM cards are equipped with RF (Radio Frequency) system to run the operational system in the ATM machine and, then ,needs 5 fingerprints identification for double security.

RF ATM has a small possibility to be hit. If one of the fingers' gets injured, there are still other

four fingers' to be indentified. Multifunction ATM machine is quite practical. To overcome long queue in the bank with the

multifunction ATM machine. To withdraw big amount if money in a private ATM room

is more secure than in the opened-wide room of a bank.

RF ATM can be easily used by others, if the card is accidently found or criminally stolen.

5 fingerprints' identification can be copied in such a way by others, can't be represented.

The hand defect people may not be possibly operate the ATM machine.

The owner of the ATM card must be there to operate the machine by him or herself.

Space consuming for a single machine of a single room. The system in the multifunction ATM machine might be

error.

RF ATM card can de used as subscription payment in other filed, like; in public transportation.

The ATM machine is expected to change from big notes' to small notes.

The machine can give the change. The machine can also deal with various payment of our

daily bills.

When there is a black out, the ATM machine can't be operated.

The RF (Radio Frequency) of ATM may detect others' frequency.

If we get accidents' to our hands' we will not be able to operate the ATM.

This kind of multifunction ATM machine may surely be an interesting target of theft or robbery.

There is an opening for radio frequency cracking or copying. Not all banks may afford to provide the customers with this

multifunction ATM machine as its high cost of the technology.

The bank needs high skilled team, expertise in such a multifunction ATM machine.

There are rays of infrared set on the door pane, automatically on when the machine is criminally lifted the infrared will cause burn injury.

There is alarm signal (for error system, criminalities) to be connected to the nearest branch office and to the nearest police station.

There is a second person (a reliable one) for an ATM urgent access under the first person's (the card owner) permission.

The transaction will be automatically closed in 5 seconds, if there is no movement on the machine.

The machine body is made of pure steel. It's surely very heavy.

The RF ATM card will be automatically blocked when it is used continuously with the different 2nd identification of 5 fingerprints.

We don't need to take out our RF ATM cards from our bags, wallets or pocket, as the frequency can be detected in the area of 60cms from the main machine.

There is a welcome voice from an active speaker on the machine body and a welcome note on the machine monitor.

We must, then, put either our right hand or left hand on the half sphere shaped of iron, to make a 2nd identification of our 5 fingerprint.

Then, the machine is ready to process our transactions. This machine is also device with some foreign languages, such as ;

English, Spanish, French, Mandarin, Korean, Japanese, besides Indonesian, for the customers to choose from.

We can either close our transaction or leave it closed automatically in 5 seconds after we step backward out of 60cms from the machine.

When there is a black out, the machine will display a short notice on the monitor to warn the customers not to continue the transaction and the in processed transactions will be automatically canceled.