" 2 (System). User interface displays the option to make account transfers.

2.1 (Actor). Actor selects the account transfer option.

3 (System). The system determines if any other accounts are linked to the present account.

3.1 (System). The user interface displays all linked accounts, and prompts for selection.

3.2 (Actor). The user selects his own saving account as the transfer recipient.

4 (System). The system inquires how much the user would like to transfer.

4.1 (Actor). The user inputs how much he would like to transfer

5 (System). The system checks to ensure the transfer amount is available.

5.1 (System). The system internally confirmed the availability of the transfer is available, and prompts for confirmation of transfer by the user.

5.2 (Actor). The user confirms the transaction amount.

6. (System). The system locates the corresponding account identification number for the user's savings account, and updates the user's savings account balance. The system provides a credit to the user's saving account balance in accordance with the approved transfer amount.

(System). The system dispenses a receipt reflecting the transaction.
8. (System). The system inquires if the user would like to complete another transaction.

Use Case 3 Diagram

V. Ethical Considerations

Systems dealing with money often have accompanying ethical considerations. However, generally banking systems often account each dollar or cent that is transacted via ATMs. In addition, an ATM system architect helps to ensure that transactions are properly timestamped, and deposited into the appropriate account.

Still, it is possible that a disreputable financial institution could delay an account transfer, for example. Under this scenario, the transferred funds are neither available in the transferor's account nor the transferee's account for a unconventional time period that highly deviates from market standards, after the transferor confirms an ATM account transfer. The banking institution could be fully capable of performing an almost immediate transfer, given the transaction is highly liquid; however, the financial institution delays transferring the money, in order to leverage the funds to cover cash needs or for temporary investment.