Windows xp is also running your atm technology the guardian. The xfs sp software has been developed in order to shorten the time to market for customers integrating xfs enabled products. Wosaxfs, now known as cen xfs or simply xfs, provides a common api. Banks need to ensure that virtualization support is built into all future bank rfps. Kal is a company specialising in atm software for bank atms, selfservice kiosks, and bank branch networks. The windows extensions for financial services xfs have been adopted as a standard, now known as cenxfs. Atmirage can be used with any application that uses standards cen xfs, j xfs, xpeak.
The standard is based on the wosa extensions for financial services or wosaxfs developed by microsoft. To understand the risks that arise from such logical attacks, we have conducted a risk assessment of an atm platform. Workshop supporters the proposers for the xfs workshop were the now dissolved bsvc consortium. Had this standard interface, the machine of a manufacturer can be. An automated teller machine atm is an electronic telecommunications device that enables customers of financial institutions to perform financial transactions, such as cash withdrawals, deposits, funds transfers, or account information inquiries, at any time and without the. The xfs sp is compliant with the latest version of the xfs standard published by the european committee for standardization cen, currently version 3. With the onset of windows operating systems and xfs on atms, the software. Windows ce positioning paper atm industry association. Consistency, simplicity and savings are all critical factors in choosing atm software. Nov 02, 2016 an atm automated teller machine is a machine that enables the customers to perform banking transaction without going to the bank.
In any case, atm security involves a great many risks besides the operating system. With the move to a more standardised atm software base, xfs provides a common api for accessing and manipulating various financial services devices regardless of the manufacturer. Cen xfs allows deployers to use a single software stack for their atm estate, regardless of the hardware manufacturer. Diebold nixdorf procash terminal application software. Procashifx, which was developed with the protopas 4. An architecture based on the cenxfs standard of the linux system, which is applicable to a financial selfservice device adopting the cenxfs standard, and the system of the financial selfservice device includes an application layer, an xfs management layer, an sp layer, and a device driver layer. Adapts to any device standard cenxfs, jxfs, xpeak or to proprietary solutions. Programmers are not restricting themselves to physical assaults, for example, moneycard catching, skimming, and so forth they are investigating better approaches to hack atm programming. A linux system based cenxfs standard architecture and a linux system based cenxfs standard implementation method are provided, for addressing the technical problem that implementation of a cenxfs standard on the linux system is absent in the prior art. In this new os environment, xfs quickly evolved as the whiteandshinning standard that would make atm applications uniform across any windows base atm.
Kals mischa studinger appointed vice chairman of cen xfs. Xfs explorer is an integrated productivity tool for the atm marketplace which incorporates the domainspecific knowledge of the cenxfs standard. A risk assessment of logical attacks on a cenxfsbased atm platform. Manage your multichannel banking network with a robust, futureproofed management solution that will simplify your atm operations management and provide. The xfs workshop has extended the franchise of multivendor software by encouraging the participation of both self service users and vendors to take part in the deliberations of the creation of an industry standard. Nov 16, 2017 a linux system based cenxfs standard architecture applied to a financial selfservice device adopting a cenxfs standard, wherein a system of the financial selfservice device comprises an application program layer, an xfs management layer, an sp layer and a device drive layer. Any multivendor software application built on the cen\xfs standard is supported atm testlab simulates all atm hardware peripherals and their interface to the atm application via the. Business plan for cen xfs workshop xfs extensions for financial services 1. It is an international standard promoted by the european committee for standardization known by the acronym cen, hence cenxfs. Atm testlab simulates all atm hardware peripherals and their interface to the. A linux system based cenxfs standard architecture applied to a financial selfservice device adopting a cenxfs standard, wherein a system of the financial selfservice device comprises an application program layer, an xfs management layer, an sp layer and a device drive layer. Offer so much more than cash transactions by tapping into the true potential of the automated teller machine with a solution which is. For example, vulnerability scanners automatically test inter nal and external system interfaces in order to find known and.
Atm testlab simulates all atm hardware peripherals and their interface to the atm application via the cenxfs interface layer. Development of tools and simulators for test automation. Atm fault monitoring and management atm incident management. A risk assessment of logical attacks on a cenxfsbased atm. The xfs sp software has been developed in order to shorten the time to market for. The vendorindependent nature of proclassic reduces operational costs normally attributed to managing different versions of existing atm software. Atm comparison guide more than 2,400 data points from the 10 leading atm manufacturers to help deployers choose the right machine for the right price for the right job. Wincor nixdorf atms are the best fitting atm which can fulfill all the current and future requirements of todays advanced atm and cards networks like triple des encryption, emvchipcards, and so forth. Vision uses software agents to gather data from multiple vendors atms as well as branch devices and kiosks. Were seeing a huge growth in demand for multivendor atm software in all regions, said steve hensley, executive vice president of global sales at multivendor atm software company kal atm software. Business plan for cenisss xfs workshop xfs extra financial. The standard is based on the wosa extensions for financial services or wosa xfs developed by microsoft. The xfs workshop has extended the franchise of multivendor software by encouraging the participation of both self service users and vendors to take part in the.
Xfs cen xfs, and earlier wosa xfs, or the extensions for financial services, is a standard that provides a clientserver architecture for financial applications on the microsoft windows platform, especially peripheral devices such as atms. For example, if their atm software vendor is kal, they need to check that kal will support a virtualized environment which we do and they need to ensure that the atm hardware vendor will support their xfs sps in a virtualized environment. Atm testlab supports a wide range of atm and kiosk software, including smart client and browserbased applications, as well. Pdf a risk assessment of logical attacks on a cenxfs. Atm monitoring netxms netxms atm monitoring is an allinone solution for monitoring and management of multivendor atm networks.
Using an atm, a user can withdraw or deposit the cash, access the bank deposit or credit account, pay the bills, change the pin, update the personal information, etc. Offer so much more than cash transactions by tapping into the true potential of the automated teller machine with a solution which is unrivalled globally, bankworld atm suite. Cen workshop on extensions for financial services wsxfs. Apr 30, 2010 the windows extensions for financial services xfs have been adopted as a standard, now known as cenxfs. Complete emv level 2 simulation, using either the simulator already incorporated into atmirage, or connecting to third party simulators. Proclassic modules can be used in different projects. The main purpose of the cen xfs is to allow banking systems that. Cen xfs or xfs provides a clientserver architecture for financial applications on the microsoft windows platform, especially peripheral devices such as eftpos terminals and atms which are unique to the financial industry.
Windows 7, 32 bit 64 bit available on request, windows 10. Support with adaption to various hardware and system platforms. Xfs cen xfs, formerly wosa xfs or extensions for financial services is a standard that provides a clientserver architecture for the interaction of financial applications on a windows platform with devices, including atms. Wincor offers new standard software for atms in multivendor.
Atm testlab xfs hardware simulation and atm testing atm testlab simulates atm hardware allowing you to run the full atm software stack on your pc. A turnkey solution for cash dispense and multifunction terminals in an states and screens ecosystem. Atms software in order to withdraw cash or to capture customer data. In march 2015, the cen xfs workshop released version 3. By using the industrystandard cenxfs all proclassic applications can be deployed on different vendors hardware supporting this standard. Any multivendor software application built on the cen \ xfs standard is supported atm testlab simulates all atm hardware peripherals and their interface to the atm application via the. The move to a single system will help to lower operating costs, since multiple solutions no longer need to be maintained, the release noted. This atm platform is running in a real bank environment and is built on the cenxfs specification. Vista terminal application software diebold nixdorf. An automated teller machine atm is an electronic telecommunications device that enables customers of financial institutions to perform financial transactions, such as cash withdrawals, deposits, funds transfers, or account information inquiries, at any time and without the need for direct interaction with bank staff. Software is run locally at the atm to allow a rich ui. Xfs is intended to standardize software so that it. Procash offers easyinstallation media with an operatorfriendly configuration utility which provides provisions for standard cashanddash, full function, and recycling atm functionality. The vista platform supports the cen xfs standards for peripheral devices and as a result any device driver conforming to the specified standard can be used with vista.
It is an international standard promoted by the european committee for standardization known by the acronym cen, hence cen xfs. Xfs101290 incorporates action 401 to update euriga in auriga 2. All kal products are multivendor, windowscompliant and conform to the industry xfs standard. An atm automated teller machine is a machine that enables the customers to perform banking transaction without going to the bank. The risk assessment has identified effective countermeasures and has additionally provided a prioritization of activities for atm manufacturers. The purpose of this standard is to unify the operation of applications with any device, regardless of manufacturer, and offers a general. With the move to a more standardized software base, financial institutions. The application makes possible to perform the following activities easily and quickly. Jul 01, 2015 a linux system based cenxfs standard architecture and an implementation method for a linux system based cenxfs standard are provided according to the embodiments of the present disclosure, for addressing the technical problem that implementation for the cenxfs standard on the linux system is absent in the conventional technology. Additionally, the typical atm has a number of peripherals.
The vista platform supports the cenxfs standards for peripheral devices and as a result any device driver conforming to the specified standard can be used with vista. Cn104102490a method for realizing cenxfs sp on basis of. Cen workshop on extensions for financial services wsxfs the xfs workshop maintains multivendor device access specifications with a technical commitment to the win 32 api. Us patent application for linux systembased cenxfs standard. Atm test and configuration solutions financial software. Us patent application for linux systembased cenxfs. The xfs sp is designed to bring effectiveness and simplicity when integrating pin entry devices in atm applications. Status of this business plan last adopted business plan. It provides multivendor management of atms based upon cen xfs standards. Advanced atm penetration testing methods gbhackers. Additionally, these machines are compatible with the latest open software standards for selfservice equipment like the cenxfs wosaxfs.
Tellme tellme 7 universal crossplatform software is the driving force for every bank selfservice device. Cen workshop on extensions for financial services ws xfs the xfs workshop maintains multivendor device access specifications with a technical commitment to the win 32 api. Xfs explorer is an integrated productivity tool for the atm marketplace which incorporates the domainspecific knowledge of the cen xfs standard. The deployer could then choose any atm brand that supported windows and run an xfs application without having to make any changes.
Each bank has unique software and user interfaces, most on top of a middleware stack that consists of cenxfsa somewhat standardized financial api stack for windows. Atm applications qa atmirage is a selfservice machine simulator which speeds up and automates selfservice application tests, while generating test reports including performed steps, displayed screens, printed receipts, etc. Kal is recognised as the worlds leading independent multivendor atm software company. By running the same software as real atms, you can be confident that your testing environment is an accurate representation of your production system. Provides compatibility with your existing cen xfs hardware consistent application userinterface across the whole atm fleet delivers new transactions and services on a single client application base reduce time and cost in development and testing global experience in delivering hardware, software. The result of this assessment has revealed the main issues that are responsible for vulnerabilities of an atm platform. Aptra advance xfs, product overview b00600006166 aptra advance xfs, installation and configuration guide aptra selfservice support, system application user guide b00600006167 aptra selfservice support, programmers reference help aptra selfservice support, snmp agent 2. In april 2009, the atm software security committee released the first edition of this best practices guide which was subsequently followed by version 2 and then version 2. Most have a windows 7 operating system, 32bit windows drivers, and run on an older intel pc motherboard think core i5. Using an atm, a user can withdraw or deposit the cash, access the bank deposit or credit account, pay the bills, change the. Independent of the operating system on which the application is run. The vista platform supports the cenxfs standards for peripheral devices. For compatibility and extensibility, cenxfs has proposed the standard interface about abovementioned drive software, i.
It is an international standard promoted by the european committee for standardization. Cryptera offers a licensed xfs service provider for cryptera pin entry devices using the new generation crypto architecture. Cen xfs extensions for financial services cen xfs is a standard windows feature that allows atm operators to use multivendor software. Atm or similar selfaided terminal software are all divided into upper application software and bottom layer driving two parts conventionally at present. In section iv, the used risk assessment approach is present. Cenxfs or xfs extensions for financial services provides a clientserver architecture for financial applications on the microsoft windows platform, especially peripheral devices such as eftpos terminals and atms which are unique to the financial industry. Most software in an atm operates on the windows system currently, and only a few of. Fully functional software independent atm software test automation tool. Atm penetration testing, hackers have found different approaches to hack into the atm machines. The xfs workshop has extended the franchise of multivendor software by encouraging the participation of both self service users and vendors to take part in. If a service provider does not exist for a peripheral, diebold nixdorf also has the ability to develop service providers for new peripherals andor provide platform support for a. Atm software security best practices guide version 3. Atm software and a bank application, but considers both forms of an atm software as a windowsbased xfs application.