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History of the Automatic Teller
XopherMV writes "The line was long and slow, and he became increasingly irritated as his lunch hour dribbled away. All at once, he had a flash of inspiration. 'Golly, all the teller does is cash checks, take deposits, answer questions like "What's my balance?" and transfer money between accounts,' recalls Wetzel, now 75 and still living in Dallas with his wife. 'Wow, I think we could build a machine that could do that!' And with a $4 million go-ahead from Docutel's parent company, that's exactly what he and his engineers did. Read more about the story of the ATM."
In the UK, ATMs that are part of the Link network are generally free to all participating banks. So, even though I'm a HSBC user, I can use HSBC, Natwest, Lloyds TSB, Halifax etc. ATMs for free. The only time you ever really need to pay to use ATMs is for the private ones in clubs and bars and for building societies.
I am almost certain it was Diebold. While I can't recall specifically that the 1999 machines were Diebold, I do know that Diebold was used by this bank for many years around that time. All machines that I recall had a very prominent "Diebold" logo ever since the machines were introduced in the 1970's. I don't recall any other vendor.
By the way I suspect that historically the reason for the embedded PIN was that I think (I'm not positive of course) that early machines did not "phone home" to check the PIN but instead were stand-alone machines. Back then you could not use the card more than once per day (probably the usage date was written to the stripe), with a rather low maximum withdrawal of a couple hundred dollars or something, and a "cash reserve" credit approval was required for all ATM accounts. Those are my clues.