bank account, such as: Loading monetary value into stored-value cards Adding pre-paid cell phone / mobile phone credit. Purchasing Concert tickets Gold Lottery tickets Movie tickets Postage stamps. Train tickets Shopping mall gift certificates. Donating to charities Increasingly, banks are seeking to use the ATM as a sales device to deliver pre approved loans and targeted advertising using products such as ITM (the Intelligent Teller Machine) from Aptra Relate from NCR. ATMs can also act as an advertising channel for other companies.* However, several different ATM technologies have not yet reached worldwide acceptance, such as: Videoconferencing with human tellers, known as video tellers Biometrics, where authorization of transactions is based on the scanning of a customer's fingerprint, iris, face, etc. Cheque/cash Acceptance, where the machine accepts and recognises cheques and/or currency without using envelopes Expected to grow in importance in the US through Check 21 legislation. Bar code scanning On-demand printing of "items of value" (such as movie tickets, traveler's cheques, etc.) Dispensing additional media (such as phone cards) Co-ordination of ATMs with mobile phones Integration with non-banking equipment Games and promotional features CRM through the ATM Videoconferencing teller machines are currently referred to as Interactive Teller Machines. Benton Smith writes in the Idaho Business Review, "The software that allows interactive teller machines to function was created by a Salt Lake City-based company called uGenius, a producer of video banking software. NCR, a leading manufacturer of ATMs, acquired uGenius in 2013 and married its own ATM hardware with uGenius' video software." Pharmacy dispensing units Reliability Before an ATM is placed in a public place, it typically has undergone extensive testing with both test money and the backend computer systems that allow it to perform transactions. Banking customers also have come to expect high reliability in their ATMs, which provides incentives to ATM providers to minimise machine and network failures. Financial consequences of incorrect machine operation also provide high degrees of incentive to minimise malfunctions. ATMs and the supporting electronic financial networks are generally very reliable, with industry benchmarks typically producing 98.25% customer availability for ATMs and up to 99.999% availability for host systems that manage the networks of ATMs. If ATM networks do go out of service, customers could be left without the ability to make transactions until the beginning of their bank's next time of opening hours. This said, not all errors are to the detriment of customers; there