init Customer arrives Customer arrives Bad bank password Bad bank password Bad bank password Display screen ATM

Insert card ATM

Request pwd ATM

Display screen User

Insert card User

Request pwd User

Enter pwd ATM

Request pwd ATM Enter pwd User

Verify account Consortium

Bad pwd Consortium

Request pwd User

Verify account ATM

Bank Verify w/ bank

Bad bank pwd Bank

Bad pwd ATM

Consortium Verify w/ bank

Bad bank pwd Consortium