ATM Code

Multi-vendor solution

A multi-vendor software solution for self-service devices is crucial for banks s with a diverse network of ATMs that wish to maintain independence from vendors. However, upgrading to multi-vendor software typically does not include expanding business functions such as customer personal areas, payment acceptance, and personal offers. These functions must be implemented separately.

ATM Code offers a solution that supports a wide range of equipment via XFS layer and direct drivers. The solution includes an advanced service kit for devices, allowing banks to implement unified multi-vendor control software while also extending the ATM features.

This approach can significantly reduce project costs and duration. With ATM Code, the bank gains not only a network of ATMs and self-service kiosks with multi-vendor software but also additional functions. This fundamental difference makes 1010Code software stand out from other multi-vendor software solutions.

Cash withdraw

Cash withdrawal is the primary function of ATMs, but at 1010Code, we offer several optional innovations to enhance regular ATM operations.

– Recycling is a global trend that reduces maintenance and cash collection costs for ATMs. With recycling, cash circulation is made easier for both deposit and withdrawal. Our ATM Code solution supports payment acceptance and omni-channel scenarios, enabling easier cash circulation for deposits and withdrawals. Our clients who use ATMs with recycling feature have experienced longer periods without cash collection, with the longest period being more than six months.

– Dispensing cash in specific denominations is a demanded function that we do offer to our clients, although it can sometimes be challenging to implement.

– Cash withdrawal by QR-code is an omni-channel service scenario that speeds up the service, particularly in light branches where teller desks are replaced by ATMs. With our 1010Code solution, clients can send a QR-code via their mobile banking app, email, or messenger to the recipient, who then scans the code via the ATM and receives cash. All transactions are completed online.

– NFC-reader is gaining popularity in ATM services as it is more convenient to read data from Apple Pay/Android Pay rather than insert a card. ATM Code enables banks to deliver this service on ATMs and self-service kiosks with NFC-reader, providing a convenient and secure option for customers.

Additional services

Modern ATMs are no longer just machines for cash withdrawal; they have evolved into a highly functional devices that can potentially replace a light bank branch. By enabling new features on ATMs, banks can improve their business rates, implement omni-channel scenarios, promote banking services, and attract new customers. ``Smart`` ATMs can serve as teller desks in light branches, cash e-tellers, cash self-collection devices, currency exchange centers, or even money deposit machines.

However, when updating ATM functions, it is important to consider security considerations, the capacity of communication channels, out-of-date protocols for connecting with card hosts, and other limitations. Such projects can be very expensive. To address these challenges, we have developed the ATM Code to consider all existing and future requirements.

The expanded functions for ATMs are originally implemented in the ATM Code. To launch this functionality, the bank will only need to integrate the server solution components with the bank back-office systems. The base set of pre-implemented functions includes the following:

Payments and transfers include:

– The ability to pay for unlimited number of services via ATMs and self-services kiosks, including payments with complicated scenarios.
– Geo-targeting for services, where the bank can update the set of services available on ATMs depending on the region and geo-location. It is also possible to configure a certain set of services for each device.
– Full text search, which is essential for numerous service providers.
– Payments templates. Shared payments templates for all remote channels are available via ATM interface.

Personal area for the bank’s client:

– Information about the client's products, where the client can access accounts, cards, loans, and deposit information after authorization. The ability to manage bank products may also be available via the ATM interface.
– Payments or cash withdrawal are not limited to the inserted bank card; these functions can be performed from any client's product. This transforms ATMs into mini-branches of the bank.
– Timeline service, where all client payments and transactions made in all service channels are available on the ATM screen in chronological order.
– Fast cash keeps the amount of withdrew cash in memory.

Personal offers and targeted advertising:

– Advertising and personal offers are displayed during the client service session. 1010Code multi-vendor software allows banks to integrate the displayed advertising and personal offers into the service scenarios.
– Statistics on client feedback, such as the number of displays, reactions, and sales funnel, can be collected.
– Clients can provide feedback online about positive and negative scenarios. If a client selects ``don't show me this offer again,`` the advertising will be cancelled.
– ``Heavy`` advertising content can be saved at ATMs. When running a customer service scenario, the system only requests the parameters of the particular offer by template, and the screen interface will be automatically generated based on the template and previously downloaded content.

Additional services

– P2P transactions via ATMs
– Cash withdrawal by QR-code scanning
– Supporting NFC-cards and Apple Pay/Android Pay

All of these functions and some other services are already available in the ATM Code and only require integration with the bank's services.

User-friendly interface

The interface of an ATM plays a significant role in determining how clients perceive the device. While some may only need to withdraw cash, others, especially younger and tech-savvy clients, expect a modern and intuitive interface similar to the ones they use on their smartphones. Therefore, if an ATM's interface looks outdated, it may leave a negative impression on clients and affect the reputation of the entire bank, especially if they do not visit physical branches often.

In ATM Code, we prioritize a modern UI designed with up-to-date technologies. The UI operates independently of the control software core and interacts via standardized API, enabling high-speed graphics display and appealing visual effects. The interface is built with HTML5, JS, and modern development tools, making the development process faster and more cost-effective. This approach also allows clients to use modern interface controls.

Developers can use the UI SDK to create and debug the interface on the customer side without deploying it to the device, making the development process smoother and more efficient. In some of our projects, we have successfully developed the UI on the customer side, ensuring that the interface meets their needs and preferences.

Built-in monitoring

The built in functions of NDC and DDC protocols are normally used to monitor an ATM network. Such technology only covers basic requirements to monitoring, but usually it is sufficient to run the network. To optimize the network monitoring and expand managing capabilities, the bank needs a separate technical monitoring server. There are a number of such server applications on the market.

ATM Code solution includes monitoring server. The server is essential because 1010Code solution does not use the standard monitoring features of NDC and DDC protocols. 1010Code Monitoring is a part of the the solution and does not require additional integration. Data exchange between devices is optimized by traffic and works perfectly even with poor connection channels.

Features of the monitoring server are the same that the leading market vendors are offering. The server can perform any tasks related to failures monitoring, remote upgrading of software and managing devices.

In case when the bank uses its own monitoring server and does not plan to replace it, 1010Code monitoring solution may be integrated with bank’s server. In this situation the data are transferred from 1010Code monitoring to the bank’s server and no additional integration with the software on the devices is required.

Advertising and marketing

Interacting with clients through ATMs during transactions such as cash withdrawals, presents an opportunity to advertise special products, services, and offers. Most banks take advantage of this, however, advertising is limited by the technical capabilities of ATMs typically confined to a static image on the standby screen or a banner during customer sessions.

Besides, the standard ATM software cannot handle flexible advertising campaigns and content. Deploying advertising across an ATM network is time-consuming, and the advertisement interface is often lack visual appeal due to the technical specificities of different devices.

At ATM Code, we have significantly improved advertising management by utilizing modern Internet-oriented approaches. We pre-set a space for advertising content in the user interface (UI) of the devices. The content is managed by an advertising agent, a separate program component that is independent of the control software. As a result, no software updates are required.

We manage content on self-service devices through a special cloud web service called ADV Code. The advantages of managing the content by ADV Code are the following:

Easy operation. Marketing specialists can manage content on devices without assistance from technical staff, who support the ATM network. As a result, deploying advertising is easy and faster.
Automatic control of advertising placement. An advertising campaign can be scheduled to run automatically.
Feedback. All client activities are saved for further analysis. The data can be used to build a sales funnel.
Any advertising content type. A wide range of content is available for deployment, from simple banners to sophisticated targeted advertisements.
UI adaptation. The interface design can be customized based on the customer's profile.

With ATM Code, banks can create compelling advertising campaigns that are easy to manage, more versatile, and more effective in engaging with customers.

Omni-channel scenarios

Omni-channel scenarios have become a key trend in modern banking, allowing clients to initiate a transaction in one channel, continue it in another, and complete it in yet another. While ATM channels have traditionally facilitated this process, outdated and inflexible technologies, as well as high security requirements, have imposed numerous restrictions on omni-channel scenarios for ATMs.

However, ATM Code which is an integral part of the digital banking platform, does support cross-channel service scenarios.

For instance, clients can prepare a transaction on mobile banking and finalize the operation on an ATM (such as payment or cash withdrawal). Similarly, front-line managers can initiate a transaction on a front-end application, and clients can continue it on an ATM.

In conclusion, the ATM Code has enabled banks to provide seamless cross-channel experiences to their clients, enhancing convenience, accessibility, and satisfaction levels.