This is all speculation, but:
It wont be a single packet to 'authenticate transaction'. It will be a complicated process, involving a large number of packets, all heavily encrypted.
In order for you to do something of this nature, it would require allot of work. You would have to completely understand every little detail involved in the process, and then figure out how to exploit it.
In order to understand the process, you would first have to figure out the encryption process in place. Now seeing as this is a bank, it's safe to say that they will probably have some serious encryption in place. If I was to make a guess, I would say that they used several different forms, as an added security measure. Packets have to come in/go out in a specific order, each one is encrypted using a different method/key.
You would have to crack the code(s), and also be able to encode your own data. Again, another guess here, but I would suspect that they don't use a single encryption key, rather it changes daily, hourly perhaps. Making the time frame so small, that the only way to crack it would either be luck, or by having access to one beast of a machine.
If I was setting this up I would send the information containing the next key, inside a packet using the current encryption system. The key would then change, and the only information the hackers could get, is the ability to decrypt (over time) the packets on the old system. This would give a very useful insight into the system, but without the current key, no means to exploit such knowledge.
I suggest you take a different approach to ATM hacking.
First, pick a specific make and model to focus on. They may execute the same task, however their workings are not the same make to make, or even model to model.
Once you've made your choice, start to go about learning as much about it as you can. Find the make and model details, and try to locate a manual. (yes, they are available on google.) Try to find out how exactly the technicians interface with it. If you have to open it up, then you're probably going to want to pick a different target. Try to find one where they attach an external device, or simply use 'secret codes' to navigate through hidden menus. Machines like this do exist, guy got caught fucking about in one a while back. If I recall correctly, he got the machine to spit out $200 every time he withdrew $20.
Look for a phone number, or contact details of some kind on a machine. Contact them, pretending to be a store, and tell them you're machine has locked up. Ask for help, you might get something (unlikely, but you never know)
Could always indulge in a spot of dumpster diving as well,
