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ATM Resources Compile

  • Artigo

I've been meaning to write a compile on this for awhile. Moin, a colleague on my team asked me if there are any good resources for ATM architecture and trends. This triggered the post, so thanks Moin!

I worked on a few ATM projects in the past and there is certainly a lot of activity in this space. A year ago I was the architect on improving the ATM channel by providing a more rich integrated experience. We called the project ICE (Integrated Customer Experience).

Working with both my bank at the time and vendors we faced legacy challenges with OS/2, deployment, security, wireless, check truncation at the ATM. We wanted to solve these issues and make the ATM more like a kiosk instead of the typical green-screen terminal we all know today.

So I have broken this post down into a few sections. I hope this is useful to all of you!

ATM Trends

  • Banks are exploring richer user experience for their ATM's, moving to a true Automated Teller Machine that doesn't just dispense cash
  • Advance ATM's will show up in branches first
  • Exploration of Cross and Up-Sell opportunities through this channel
  • Expect to see rich content such as video and audio capabilities for:
    • Customer Care Collaboration
    • ATM Help
    • Culture and Language Aid
  • Banks are actively planning for the termination of legacy frame relay and ATM services
  • Banks are transitioning to IP VPN and Ethernet
  • Web Services is another emerging standard for the information payload
  • ATM Cash Management is an on most banks minds to properly distribute and invest idle cash
  • Wireless ATM's, lease lines are expensive and often times do not warrant the cost for such low data transfer and load
  • Check Image and Data Capture at the ATM for more efficient check processing, additional benefits include cost savings due to the fact the customer does all the proofing

ATM Challenges

  • ATM Distribution
  • Patch Management
  • Leasing Models
  • Idle Cash

 

MSDN Architecture Center Resources

My Blog Entries

 

Key Standards

CEN/XFS (formerly, WOSA/XFS)

In 1991 the Banking Solutions Vendor Council (BSVC) was created/initiated by Microsoft. The aim was to provide an architecture that supported banking peripherals from various hardware vendors. The result was an architecture called Windows Open Services Architecture/Extensions for Financial Services (WOSA/XFS). In April 1998 the BSVC handed WOSA/XFS over to the European Committee for Standardization (CEN) and published it as a CEN Workshop agreement known as CEN/XFS.

IFX

Provides generic ATM standards that have been documented in implementation guides. TD Bank was the first to implement the standard on their ATM's.

See the IFX case study written by Josh Lee

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