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Both the DACS and MD2 accepted only a single-use token or voucher which was retained by the machine, while the Speytec worked with a card with a magnetic stripe at the back.

They used principles including Carbon-14 and low-coercivity magnetism in order to make fraud more difficult.

It had a profound influence on the industry as a whole. Customers were given personal code numbers to activate the machines, similar to the modern PIN. These were fed into the machine, and the corresponding amount debited from the customer's account. 1969 ABC news report on the introduction of ATMs in Sydney, Australia. Chemical executives were initially hesitant about the electronic banking transition given the high cost of the early machines.

Not only did future entrants into the cash dispenser market such as NCR Corporation and IBM licence Goodfellow’s PIN system, but a number of later patents reference this patent as "Prior Art Device". People could only receive AUS $25 at a time and the bank card was sent back to the user at a later date. Additionally, executives were concerned that customers would resist having machines handling their money.

Some examples of interbank networks include NYCE, PULSE, PLUS, Cirrus, AFFN, Interac, Interswitch, STAR, LINK, Mega Link and Banc Net.

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