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Where can I find the transaction protocol used by automated teller machines?

I am developing software for engineering schools, and I am looking for a protocol that governs the connection between ATMs and banking networks.

I’ve been searching the Internet for a long time, and although I find all kinds of interesting information about ATMs, I was surprised to find that there seems to be no industry standard for high-level communications.

I'm not talking about three-dimensional or low-level transmission protocols, but something in accordance with the interface control document; what controls the sequence of events for various transactions: check credentials, withdrawals, balance checks, etc.

Any ideas? Does something like this even exist?

I can't believe that all this time, banks and ATM manufacturers are still just doing it when they go.

A shorter question: if I wanted to go into the business of manufacturing software for ATMs, where would I start looking for standards?

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3 answers

Well, there are many interbank networks. I would suggest that each of them communicates differently. Stickers at an ATM (Cirrus, STAR, Pulse, etc.) Determine which network the computer is involved in. However, I believe that the "structure" of the message is dictated by the ISO standard. Cirrus is a network owned by Mastercard, and PLUS is a network owned by Visa ... I would look at their sites to see if they publish any API details.

Change, by request:

ISO 15022, 20022, 9362 4217 - http://en.wikipedia.org/wiki/Category:Financial_routing_standards

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ISO 8583 .

, EMV.

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ISO 15022 . . ISO 20022 - " ISO 15022 2nd edition".

ISO 20022 ISO.

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There are two main protocols: ISO8563 and IFX (XML financial subset), but many banks provide us with vendor-supplied protocols because they include device driver protocols that control ATM states. There is also a reporting protocol, ATM reports on its payments and use.

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