ATMPEDIA

Hackers from Ex-Soviet states charged in U.S. card fraud case MOSCOW, November 11 (RIA Novosti) -Eight computer hackers from Estonia, Moldova and Russia have been charged in the U.S. over a mass case of credit card fraud, in which they allegedly stole over $9 million, the U.S. Justice Department said.
The group is accused of taking the cash from ATM's in 280 cities around the world during a period of less than 12 hours on November 8, 2008. The ringleader is being held in an Estonian prison and awaiting extradition to the U.S.

The group reportedly obtained the codes of debit cards used by companies to pay their employees. They then reverse-engineered the PINs of the accounts via encrypted data on the network of the Atlanta-based card processor RBS WorldPay, and produced dozens of fake duplicate cards, which were sent to accomplices in various countries who withdrew the cash.

Acting U.S. Attorney Sally Quillian Yates of the Northern District of Georgia said in a statement: "Last November, in just one day, an American credit card processor was hacked in perhaps the most sophisticated and organized computer fraud attack ever conducted. Today, almost exactly one year later, the leaders of this attack have been charged. This investigation has broken the back of one of the most sophisticated computer hacking rings in the world."

Sergei Tsurikov, 25, from Estonia, Viktor Pleshchuk, 28, from Russia, and Oleg Covelin, 28, from Moldova, along with an unnamed hacker have been indicted in Atlanta on various charges including wire fraud and identity theft.

Four other Estonians - Igor Grudijev, 31, Ronald Tsoi, 31, Evelin Tsoi, 20, and Mihhail Jevgenov, 33 - have been indicted on charges of access device fraud.

CEN L Safe for ATM (Automated Teller Machine) CEN L safe delivers a higher level of security enclosure than the UL 291 offers today.
Weighing 15% to 25% more than the UL 291 and the CEN L safe are more resistant to physical attacks on the ATM (Automated Teller Machine). Standard for ATM(Automated Teller Machine ) enclosures EN 1143-1- Safes for Automated Teller Machines , CEN /TC 263-Secure storage of cash. The CEN L safe is also approved by Underwriters Laboratories (UL) with a CBE Certification (Classified Banking Equipment). New CEN L safe has thicker walls. Compared to the UL 291, which is made from 12.7mm high tensile Manganese steel (Tensile strength 50,000 psi), the CEN L safe boasts a tougher 40mm composite steel and concrete construction. Composite material content makes it more difficult to attack with mechanical tools A typical attack on the safe is by cutting holes in the safe wall using thermal tools or an angle grinder . Thermal (oxy-acetylene) and mechanical tools, including sledgehammers are used on safe walls. The CEN L safe offers a higher level of security against thermal and grinding attacks as well as greater weight. CEN L safe takes at least three times longer to break into than the UL 291 safe, employing commonly used tools. This has already been tested by manufactures. Now a day’s criminals are becoming even more determined and ever more resourceful in their physical attacks on ATMs.CEN L safe brings high security within your reach, helping to protect and defend your cash by making the criminal's life more difficult.

What is Islamic Banking ? Islamic banks appeared on the world scene as active players over two decades ago. But "many of the principles upon which Islamic banking is based have been commonly accepted all over the world, for centuries rather than decades".

The basic principle of Islamic banking is the prohibition of Riba- (Usury - or interest):

"While a basic tenant of Islamic banking - the outlawing of riba, a term that encompasses not only the concept of usury, but also that of interest - has seldom been recognised as applicable beyond the Islamic world, many of its guiding principles have. The majority of these principles are based on simple morality and common sense, which form the bases of many religions, including Islam.

"The universal nature of these principles is immediately apparent even at a cursory glance of non-Muslim literature. Usury was prohibited in both the Old and New Testaments of the Bible, while Shakespeare and many other writers, particularly those writing in the 19th century, have attacked the barbarity of the practice. Much of the morality championed by Victorian writers such as Dickens - ranging from the equitable distribution of wealth through to man's fundamental right to work - is clearly present in modern Islamic society.

"Although the western media frequently suggest that Islamic banking in its present form is a recent phenomenon, in fact, the basic practices and principles date back to the early part of the seventh century." (Islamic Finance: A Euromoney Publication, 1997)

It is evident that Islamic finance was practiced predominantly in the Muslim world throughout the Middle Ages, fostering trade and business activities. In Spain and the Mediterranean and Baltic States, Islamic merchants became indispensable middlemen for trading activities. It is claimed that many concepts, techniques, and instruments of Islamic finance were later adopted by European financiers and businessmen.

The revival of Islamic banking coincided with the world-wide celebration of the advent of the 15th Century of Islamic calendar (Hijra) in 1976. At the same time financial resources of Muslims particularly those of the oil producing countries, received a boost due to rationalization of the oil prices, which had hitherto been under the control of foreign oil Corporations. These events led Muslims' to strive to model their lives in accordance with the ethics and philosophy of Islam.

Disenchantment with the value neutral capitalist and socialist financial systems led not only Muslims but also others to look for ethical values in their financial dealings and in the West some financial organisations have opted for ethical operations.

Islam not only prohibits dealing in interest but also in liquor, pork, gambling, pornography and anything else, which the Shariah (Islamic Law) deems Haram (unlawful). Islamic banking is an instrument for the development of an Islamic economic order. Some of the salient features of this order may be summed up as:

1.
While permitting the individual the right to seek his economic well-being, Islam makes a clear distinction between what is Halal (lawful) and what is haram (forbidden) in pursuit of such economic activity. In broad terms, Islam forbids all forms of economic activity, which are morally or socially injurious.
2.
While acknowledging the individual's right to ownership of wealth legitimately acquired, Islam makes it obligatory on the individual to spend his wealth judiciously and not to hoard it, keep it idle or to squander it.
3.
While allowing an individual to retain any surplus wealth, Islam seeks to reduce the margin of the surplus for the well-being of the community as a whole, in particular the destitute and deprived sections of society by participation in the process of Zakat.
4.
While making allowance for the ways of human nature and yet not yielding to the consequences of its worst propensities, Islam seeks to prevent the accumulation of wealth in a few hands to the detriment of society as a whole, by its laws of inheritance.
5.
Viewed as a whole, the economic system envisaged by Islam aims at social justice without inhibiting individual enterprise beyond the point where it becomes not only collectively injurious but also individually self-destructive.

The Islamic financial system employs the concept of participation in the enterprise, utilizing the funds at risk on a profit-and- loss-sharing basis. This by no means implies that investments with financial institutions are necessarily speculative. This can be excluded by careful investment policy, diversification of risk and prudent management by Islamic financial institutions.

It is possible, that investment in Islamic financial institutions can provide potential profit in proportion to the risk assumed to satisfy the differing demands of participants in the contemporary environment and within the guidelines of the Shariah.

The concept of profit-and-loss sharing, as a basis of financial transactions is a progressive one as it distinguishes good performance from the bad and the mediocre. This concept therefore encourages better resource management.

Islamic banks are structured to retain a clearly differentiated status between shareholders' capital and clients' deposits in order to ensure correct profit-sharing according to Islamic Law.

Status of Islamic Banking

When the concept of Islamic banking with its ethical values was propagated, financial circles the world over treated it as a utopian dream. Having lived for centuries under the valueless capitalist economic system, they asked what ethics had to do with finance?

Attitudes are changing gradually and in the last few years' value neutral conventional banking has begun to trouble the conscience of an increasing number of people.

There is a reluctance to hand over the funds to banks and financial institutions that invest in companies engaged in unethical and socially harmful activities. The emerging Islamic banking scene has succeeded in achieving general acceptance.

Today, Islamic banking is estimated to be managing funds to the tune of US$ 200 billion. Its clientele are not confined to Muslim countries but are spread over Europe, United States of America and the Far East.

Islamic banking continues to grow at a rapid pace because of its value-orientated ethos that enables it to draw finances from both Muslims and non-Muslims alike.

Islamic bankers, keeping pace with sophisticated techniques and latest developments have evolved investment instruments that are not only profitable but are also ethically motivated.

Today, more than two hundred and fifty Islamic financial institutions are operating world-wide. The countries where Islamic financial institutions are functioning include:

Albania, Algeria, Australia, Bahamas, Bahrain, Bangladesh, British Virgin Islands, Brunei, Canada, Cayman Islands, North Cyprus, Djibouti, Egypt, France, Gambia, Germany, Guinea, India, Indonesia, Iran, Iraq, Italy, Ivory Coast, Jordan, Kazakhstan, Kuwait, Lebanon, Luxembourg, Malaysia, Mauritania, Morocco, The Netherlands, Niger, Nigeria, Oman, Pakistan, Palestine, Philippines, Qatar, Russia, Saudi Arabia, Senegal, South Africa, Sri Lanka, Sudan, Switzerland, Tunisia, Turkey, Trinidad & Tobago, United Arab Emirates (Abu Dhabi, Dubai, Sharja), United Kingdom, United States, Yemen.

RS 232 The official name of the EIA/TIA-232-E standard is "Interface Between Data Terminal Equipment and Data Circuit-Termination Equipment Employing Serial Binary Data Interchange." Although the name may sound intimidating, the standard is simply concerned with serial data communication between a host system (Data Terminal Equipment, or DTE) and a peripheral system (Data Circuit-Terminating Equipment, or DCE).

The EIA/TIA-232-E standard was introduced in 1962 and has since been updated four times to meet the evolving needs of serial communication applications. The letter "E" in the standard's name indicates that this is the fifth revision of the standard.

RS-232 Specifications

RS-232 is a complete standard. This means that the standard sets out to ensure compatibility between the host and peripheral systems by specifying:

Common voltage and signal levels
Common pin-wiring configurations
A minimal amount of control information between the host and peripheral systems.

Unlike many standards which simply specify the electrical characteristics of a given interface, RS-232 specifies electrical, functional, and mechanical characteristics to meet the above three criteria. Each of these aspects of the RS-232 standard is discussed below.

Electrical Characteristics

The electrical characteristics section of the RS-232 standard specifies voltage levels, rate of change for signal levels, and line impedance.

As the original RS-232 standard was defined in 1962 and before the days of TTL logic, it is no surprise that the standard does not use 5V and ground logic levels. Instead, a high level for the driver output is defined as between +5V to +15V, and a low level for the driver output is defined as between -5V and -15V. The receiver logic levels were defined to provide a 2V noise margin. As such, a high level for the receiver is defined as between +3V to +15V, and a low level is between -3V to -15V. Figure 1 illustrates the logic levels defined by the RS-232 standard. It is necessary to note that, for RS-232 communication, a low level (-3V to -15V) is defined as a logic 1 and is historically referred to as "marking." Similarly, a high level (+3V to +15V) is defined as a logic 0 and is referred to as "spacing."

Figure 1. RS-232 logic-level specifications.

The RS-232 standard also limits the maximum slew rate at the driver output. This limitation was included to help reduce the likelihood of crosstalk between adjacent signals. The slower the rise and fall time, the less chance of crosstalk. With this in mind, the maximum slew rate allowed is 30V/ms. Additionally, standard defines a maximum data rate of 20kbps , again to reduce the chance of crosstalk.

The impedance of the interface between the driver and receiver has also been defined. The load seen by the driver is specified at 3kΩ to 7kΩ. In the original RS-232 standard the cable length between the driver and receiver was specified to be 15 meters maximum. Revision "D" (EIA/TIA-232-D) changed this part of the standard . Instead of specifying the maximum length of cable, the standard specified a maximum capacitive load of 2500pF, clearly a more adequate specification. The maximum cable length is determined by the capacitance per unit length of the cable, which is provided in the cable specifications.

Table 1 summarizes the electrical specifications in the current standard.

Table 1. RS-232 Specifications

	RS-232
Cabling	Single-ended
Number of Devices	1 transmit, 1 receive
Communication Mode	Full duplex
Distance (max)	50 feet at 19.2kbps
Data Rate (max)	1Mbps
Signaling	Unbalanced
Mark (data 1)	-5V (min) -15V (max)
Space (data 0)	5V (min) 15V (max)
Input Level (min)	±3V
Output Current	500mA (Note that the driver ICs normally used in PCs are limited to 10mA)
Impedance	5kΩ (Internal)
Bus Architecture	Point-to-Point

Functional Characteristics

Because RS-232 is a complete standard, it includes more than just specifications on electrical characteristics. The standard also addresses the functional characteristics of the interface, #2 on our list above. This essentially means that RS-232 defines the function of the different signals used in the interface. These signals are divided into four different categories: common, data, control, and timing. See Table 2. The standard provides abundant control signals and supports a primary and secondary communications channel. Fortunately few applications, if any, require all these defined signals. For example, only eight signals are used for a typical modem. Examples of how the RS-232 standard is used in real-world applications are discussed later. The complete list of defined signals is included here as a reference. Reviewing the functionality of all these signals is, however, beyond the scope of this paper.

Table 2. RS-232 Defined Signals

Circuit Mnemonic	Circuit Name*	Circuit Direction	Circuit Type
AB	Signal Common	—	Common
BA BB	Transmitted Data (TD) Received Data (RD)	To DCE From DCE	Data
CA CB CC CD CE CF CG CH CI CJ RL LL TM	Request to Send (RTS) Clear to Send (CTS) DCE Ready (DSR) DTE Ready (DTR) Ring Indicator (RI) Received Line Signal Detector** (DCD) Signal Quality Detector Data Signal Rate Detector from DTE Data Signal Rate Detector from DCE Ready for Receiving Remote Loopback Local Loopback Test Mode	To DCE From DCE From DCE To DCE From DCE From DCE From DCE To DCE From DCE To DCE To DCE To DCE From DCE	Control
DA	ransmitter Signal Element Timing from DTE	To DCE
DB DD	Transmitter Signal Element Timing from DCE Receiver Signal Element Timing from DCE	From DCE From DCE	Timing
SBA SBB	Secondary Transmitted Data Secondary Received Data	To DCE From DCE	Data
SCA SCB SCF	Secondary Request to Send Secondary Clear to Send Secondary Received Line Signal Detector	To DCE From DCE From DCE	Control

*Signals with abbreviations in parentheses are the eight most commonly used signals.
**This signal is more commonly referred to as Data Carrier Detect (DCD).

Mechanical Interface Characteristics

The third area covered by RS-232 is the mechanical interface. Specifically, RS-232 specifies a 25-pin connector as the minimum connector size that can accommodate all the signals defined in the functional portion of the standard. The pin assignment for this connector is shown in Figure 2 . The connector for DCE equipment is male for the connector housing and female for the connection pins. Likewise, the DTE connector is a female housing with male connection pins. Although RS-232 specifies a 25-position connector, this connector is often not used. Most applications do not require all the defined signals, so a 25-pin connector is larger than necessary. Consequently, other connector types are commonly used. Perhaps the most popular connector is the 9-position DB9S connector, also illustrated in Figure 2. This 9-position connector provides, for example, the means to transmit and receive the necessary signals for modem applications. This type pf application will be discussed in greater detail later.

Figure 2. RS-232 connector pin assignments.

Evolution of RS-232 IC Design

Regulated Charge Pumps

The original MAX232 Driver/Receiver and its related parts simply doubled and inverted the input voltage to supply the RS-232 driver circuitry. This design enabled much more voltage than actually required; it wasted power. The EIA-232 levels are defined as ±5V into 5kΩ. With a new low-dropout output stage, Maxim introduced RS-232 transceivers with internal charge pumps that provided regulated ±5.5V outputs. This design allows the transmitter outputs to maintain RS-232-compatible levels with a minimum amount of supply current.

Low-Voltage Operation

The reduced output voltages of the new regulated charge pumps and low-dropout transmitters allow use of reduced supply voltages. Most of Maxim's recent RS-232 transceivers operate with supply voltages down to +3.0V.

AutoShutdown™

In the never-ending battle to extend battery life, Maxim pioneered a technique called auto-shutdown. When the device is not detecting valid RS-232 activity, it enters a low-power shutdown mode. An RS-232-valid output indicates to the system processor whether an active RS-232 port is connected at the other end of the cable. The MAX3212 goes one step further: it includes a transition-detect circuit whose latched output, applied as an interrupt, can awaken the system when a change of state occurs on any incoming line.

AutoShutdown Plus™

Building on the success of AutoShutdown, devices with Maxim's AutoShutdown Plus capability achieve a 1µA supply current. These devices automatically enter a low-power shutdown mode either when the RS-232 cable is disconnected or the transmitters of the connected peripherals are inactive, or when the UART driving the transmitter inputs is inactive for more than 30 seconds. The devices turn on again when they sense a valid transition at any transmitter or receiver input. AutoShutdown Plus saves power without changes to the existing BIOS or operating system.

MegaBaud

Moving beyond the EIA-232 specification is megabaud mode, which allows the driver slew rate to increase, thereby providing data rates up to 1Mbps. MegaBaud mode is useful for communication between high-speed peripherals such DSL or ISDN modems over short distances.

High ESD

Some ICs are designed to provide high ESD protection. These ICs specify and achieve ±15kV ESD protection using both the human body model and the IEC 801-2 air-gap discharge method. Maxim's high-ESD protection eliminates the need for costly external protection devices such as TransZorbs™, while preventing expensive field failures.

Support Issues

Capacitor Selection

The charge pumps of Maxim RS-232 transceivers rely on capacitors to convert and store energy, so choosing these capacitors affects the circuit's overall performance. Although some data sheets indicate polarized capacitors in their typical application circuits, this information is shown only for a customer who wants to use polarized capacitors. In practice, ceramic capacitors work best for most Maxim RS-232 ICs.

Choosing the ceramic capacitor is also important. Capacitor dielectric types of Z5U and Y5V are unacceptable because of their incredible voltage and temperature coefficients. Types X5R and X7R provide the necessary performance.

Unused Inputs

RS-232 receiver inputs contain an internal 5kΩ pull-down resistor. If this receiver input is unused, it can be left floating without causing any problems. The CMOS transmitter inputs are high-impedance and must be driven to valid logic levels for proper IC operation. If a transmitter input is unused, connect it to V_CC or GND.

Layout Guidelines

Maxim RS-232 ICs should be treated like DC-DC converters for layout purposes. The AC current flow must be analyzed for both the charge and discharge stages of the charge-pump cycle. To facilitate an easy and effective layout, Maxim conveniently places all the critical pins in close proximity to their external components.

RS-232 Transceivers in Tiny Packages

Low-power RS-232 transceivers are available in space-saving chip-scale (UCSP), TQFN, and TSSOP packages. The MAX3243E in a 32-pin (7mm x 7mm) thin QFN package saves 20% board space over TSSOP solutions. The MAX3222E, also available in a 20-pin (5mm x 5mm) TQFN, improves and thus saves board space by 40%. Other transceiver part families packaged in a TQFN, the MAX3222E and MAX3232E with two drivers and two receivers and the MAX3221E with a single driver and single receiver, feature AutoShutdown capability to reduce the supply current to 1µA (See Table 3). These RS-232 transceivers are ideal for battery-powered equipment.

The MAX3228E/MAX3229E family in a 30-bump (3mm x 2.5mm) UCSP package saves about 70% board space, making these ICs ideal for space-constrained applications such as notebook, cell phone, and handheld equipment. Low-power RS-232 transceivers in space-saving UCSP with a low 1µA shutdown supply current are ideal for ultra-low-power system applications.

Table 3. RS232 Transceivers in Space-Saving Packages

Part	Package	Shutdown Supply Current (µA)	Data Rate (kbps)	No. of Drivers/Receivers	ESD Protection (±kV)
MAX3221E	20-Pin TQFN	1	250	1/1	15
MAX3222E	16-Pin TQFN	1	250	2/2	15
MAX3223E	20-Pin TQFN	1	250	2/2	15
MAX3230E	20-Bump UCSP	1	250	2/2	15
MAX3231E	20-Bump UCSP	1	250	1/1	15
MAX3232E	16-Pin TQFN	1	250	2/2	15
MAX3237E	28-Pin SSOP	10nA	1Mbps	5/3	15
MAX3243E	32-Pin TQFN	1	250	3/5	15
MAX3246E	36-Bump UCSP	1	250	3/5

RS-232 Application Limitations

In the more than four decades since the RS-232 standard was introduced, the electronics industry has changed immensely. There are, therefore, some limitations in the RS-232 standard. One limitation—the fact that over twenty signals have been defined by the standard—has already been addressed. Designers simply do not use all the signals or the 25-pin connector.

Other limitations in the standard are not necessarily as easy to correct.

Generation of RS-232 Voltage Levels

As explained in the Electrical Characteristics section, RS-232 does not use the conventional 0 and 5V levels implemented in TTL and CMOS designs. Drivers have to supply +5V to +15V for a logic 0 and -5V to -15V for a logic 1. This means that extra power supplies are needed to drive the RS-232 voltage levels. Typically, a +12V and a -12V power supply are used to drive the RS-232 outputs. This is a great inconvenience for systems that have no other requirements for these power supplies. With this in mind, RS-232 products manufactured by Dallas Semiconductor have on-chip charge-pump circuits that generate the necessary voltage levels for RS-232 communication. The first charge pump essentially doubles the standard +5V power supply to provide the voltage level necessary for driving a logic 0. A second charge pump inverts this voltage and provides the voltage level necessary for driving a logic 1. These two charge pumps allow the RS-232 interface products to operate from a single +5V supply.

Maximum Data Rate

Another limitation in the RS-232 standard is the maximum data rate. The standard defines a maximum data rate of 20kbps, which is unnecessarily slow for many of today's applications. RS-232 products manufactured by Dallas Semiconductor guarantee up to 250kbps and typically can communicate up to 350kbps. While providing a communication rate at this frequency, the devices still maintain a maximum 30V/ms maximum slew rate to reduce the likelihood of crosstalk between adjacent signals.

Maximum Cable Length

As we have seen, the cable-length specification once included in the RS-232 standard has been replaced by a maximum load-capacitance specification of 2500pF. To determine the total length of cable allowed, one must determine the total line capacitance. Figure 6 shows a simple approximation for the total line capacitance of a conductor. As can be seen, the total capacitance is approximated by the sum of the mutual capacitance between the signal conductors and the conductor to shield capacitance (or stray capacitance in the case of unshielded cable).

Figure 6. Interface cable-capacitive model, per unit length.

As an example, assume that the user decided to use nonshielded cable when interconnecting the equipment. The mutual capacitance (Cm) of the cable is found in the cable's specifications to be 20pF per foot. Assuming that the receiver's input capacitance is 20pF, this leaves the user with 2480pF for the interconnecting cable. From the equation in Figure 6, the total capacitance per foot is 30pF. Dividing 2480pF by 30pF reveals that the maximum cable length is approximately 80 feet. If a longer cable length is required, the user must find a cable with a smaller mutual capacitance.

GRG Banking No. 1 ATM ranking in China for 2008

GUANGZHOU, China — GRG Banking Equipment Ltd. says it achieved significant growth during the first quarter of 2009, with operating revenue of U.S. $45.6 million, an increase of 21.2 percent from the same period last year. Profit for the quarter hit U.S. $13.8 million, 5 cents per share, up 14 percent from last year.
GRG also reported year-end results for 2008, which showed a 54-percent increase in annual operating revenue and a 51-percent increase in operating profit. Operating revenue for 2008 totaled U.S. $176 million, while operating profit totaled U.S. $43.4 million.

According to the “China ATM Market Report 2008," published by Financial News, GRG is the No. 1 ATM provider in China, with sales in 2008 exceeding all other manufacturers. On a global basis, GRG now ranks among the top five ATM providers.

Banking Services: Automatic Teller Machines

Absolute Financial Services - Provides new and refurbished ATMs and related equipment.
Advanced Network, Inc. - provides ATM sales, services and transaction processing.
Advent Associates, Inc. - Worldwide provider of ATMs, parts, technical support and custom programs.
American Consumer Financial Network - Owns and operates a network of ATM machines in hotels and travel and entertainment-based businesses.
AmericaOne - Provides ATM hardware, software, processing and communication technologies.
Aptus Financial - Offers ATM sales and leasing services. Features products and services descriptions, news and contact details.
Atlanta Computer Group - Purchases, sells, and leases new and used ATMs and ATM parts.
ATM Deal Incorporated - Distributor of ATM machines and cashless ATMs to businesses within the United States.
ATM Industries, Inc. - Provides refurbished ATM machines and parts worldwide.
ATM Industry Association - Alliance promoting the proliferation of automated teller machines.
ATM Marketplace - Features news, research, used machines and comparison of current models.
ATM Money Machine - Offering ATM placement, monitoring and maintenance services.
ATM ServNet - Provides service for all major brands of ATMs anywhere in the United States.
ATM Surcharges - Provides background information, resources, and advocacy tips concerning surcharges that ATM owners impose on customers of other banks, in addition to the standard interchange fee.
ATM Warehouse - Marketplace for ATMs for sale by financial institutions.
ATMC, Inc. - Provides ATM Sales and service.
ATMIA Europe - Provides information about the ATM industry in Europe.
ATMs of the South - Provides sales and support for machines, primarily through the Southeast.
Automated ATM Solutions - National direct distributor of non-bank owned automated teller machines.
Automated Teller Machine Services, Inc. - Provider of ATM sales, service and transaction processing.
Automated Teller Machines - Provides equipment and lease terms for operating an ATM as a business opportunity.
The Bailey Group - Provider of ATM services and technical support.
Bankers Exchange - International provider of new and refurbished ATM parts and bank equipment.
Bear Financial Equipment - Wholesale and retail sales of new and refurbished financial equipment.
Cabe and Cato - Georgia-based provider of ATM sales and services.
Can Do Cash Limited - Provides POS kiosks, automated banking machines and POS debit terminals.
Cash N Go - Canadian firm offers ATM sales, installations, servicing, and transaction processing.
Cash Point Machines - ATM suppliers offering self fill machines across the UK. Profile, services and product range.
ChanMar Company - Provides ATMs, check cashing, and smart-cash machines for lease or purchase.
Companion Systems - Designs and manufactures enclosures for brand delivery in financial services and interactive kiosks.
Couvrette Building Systems - Design and engineering firm that manufacturers ATM kiosks, canopies, surrounds, and toppers.
DAS Express ATM - Tennessee provider of ATM sales, service and transaction processing.
DirectCash ATM - Canadian provider of independent ATM solutions.
EFT Datalink - Transaction processor for standard functionality ATMs and Point of Sale systems.
Electronic Cash Systems, Inc - Provides sales and leasing of ATMs to merchants, dealers and individuals.
E-Xpress Payment Systems - Handles service, sales, leasing, placement and processing of ATMs.
Express Teller Services, L.L.C. - Providing ATM solutions and related services. Products descriptions. Contacts.
FiSource, Inc - Offering refurbished and reconditioned ATM machines.
Heritage Industries - Diverse product line of ATM kiosks, surrounds, backdrops, and sign canopies.
Impact Imaging and Animation - Provides custom processing screens for automatic teller machines.
Inkas ATM Division - Canadian firm specializes in atm sales, installations, servicing and replenishment.
International Merchant Services - Provides sales and leasing of automated teller machines.
Kertech - ATM Painting, repair, cleaning, assessments and recommendations, restoration and maintenance.
Mastercard/Cirrus ATM Locator - Provides an online search platform to locate an ATM anywhere in the world.
Member Access Pacific - Provides your members with ATM transactions and shared deposit-taking nationwide.
Mobilmoney, LLC - Provider of mobile automated teller machines to special events.
Pi Systems - Provides ATM sales and service and refurbished equipment.
Platinum Financial Systems - Provides sales and leasing of all major brand ATMs, and business opportunities for selling ATMs.
3Plus - Provider of used/refurbished ATM machines, spare parts and consumables. Features product and services, news and links.
Protech Solutions - Providing ATM and IT solutions for the retail and banking industries, hardware, supplies and consulting. Features product details, company's profile and contacts.
Scott Tod - UK-based suppliers of ATMs, card vending machines, currency converters and change machines.
Scrip ATM - Authorized reseller of Triton cash machines.
Shazam - Regional network that provides EFT products and services to community financial institutions.
SPC International - Supplies new and refurbished banking equipment, sub assemblies and spares, plus repair services. Includes products, services, and contacts.
Swipe USA - Provides sales and free placements of Tranax and Triton machines.
Tidel Engineering, Inc - An international supplier of automated teller machines.
Triton - Manufacturer of off-premise ATMs. Includes product data, news and events, distributors, and employment.
TRM Corporation - Provides ATM and copy machine sales, lease, rental, placement, transaction processing, cash management, supplies and service in the US, Canada and the UK. (Nasdaq: TRMM).
Trusted Security Solutions - Provides solutions for establishing unique ATM cryptographic keys as required by major networks.

Banking Services: Electronic Cash • ACH Processing Company - Provides electronic banking services through the Federal Reserve Banking System.
• CheckFree Corporation - Provider of financial electronic commerce services.
• CHIPS - Electronic system that handles monetary payments moving between countries around the world.
• eCatalystOne - ePAID, a pre-paid purchase card, can be used to buy and sale anonymously over the Internet.
• EcoCard Ltd - A virtual card for online payments.
• Ecount - Web account enables users to send, spend and receive cash online.
• e-Duction - Process lets employees pay for products and services out of future paychecks.
• Fidesic - Enables electronic payments between any two parties with email addresses and U.S. bank accounts.
• First Data - Provides money and information movement services for business. Includes pages about governance, solutions, news, and investment. (NYSE: FDC).
• FreedomPay - Cashless payment system enables members to make small purchases without cash or coins.
• Fundtech Ltd. - Designs, develops, markets, and supports client/server products for electronic payments. (Nasdaq: FNDT).
• HyperWallet - Offers online, global and mobile payment solutions, international payment distribution and multi-currency transaction processing services.
• InternetCash - Use to shop online at participating websites.
• Mellennia - Provider electronic gift, loyalty, corporate and prepaid card services.
• Moneybookers - A service for individuals and merchants to send and receive money online using an E-mail address or payment buttons.
• New England ACH Association - Promotes use and understanding of electronic payments, specifically the ACH.
• NewGenPay - Develops and licenses secure, efficient interoperable payment systems.
• PayPal - Online payment service for individuals and merchants. Allows users to send money and bills to anyone with e-mail.
• Paypal Warning - Warns PayPal users of their service policies. Collects and publishes complaints about Paypal.
• Praxell - Secure, IP-based stored value platform enables two or more parties to transact business over the Internet.
• Visa Buxx - Offers a reloadable shopping card designed for parents to help teens budget wisely.
• WildCard Systems - Develops prepaid or host based stored value payment system cards or virtual accounts, enabled through Web applications.
• XRT - System promotes global visibility of cash and treasury, risks and payment, and secure end-to-end tracking and control of financial flows.

World's No. 1 ATM manufacturer NCR to build a new manufacturing plant in Brazil World's No. 1 ATM manufacturer NCR is to invest R$73 million to build a new manufacturing plant in Brazil that will create 250 new jobs.NCR says the site will produce cash machines for Brazil, Latin America, and Caribbean markets, with production slated to being by the end of the year. The new plant will take over production currently outsourced to a local contract manufacturer.

Brazil is the third largest ATM market in the world and is expected to grow 16% by 2012. NCR says the new factory will look to design and engineer specific products to meet the needs of Brazilian financial institutions, including capabilities for biometric ID and cheque printing.

Bill Nuti, NCR's chairman and chief executive officer, comments: "With this new capability, we believe we will be better positioned to take market share by providing leading hardware, software and service solutions, tailored specifically to meet the needs of our customers and fulfilling our goals of growing our business, while lowering our operating costs."

NCR has been undergoing a major shake-up of its global ATM manufacturing over the past two years in an effort to cut costs and improve productivity. Earlier this month, the firm announced plans to relocate all North American manufacturing to a new site in Columbus. In March, NCR finally called time on manufacturing at its site in Dundee, Scotland, as it shifted work to new sites in cheaper European locations.

Banking Services: Equipment and Software

Add-it Systems Inc. - Manufacturer of bank lobby equipment and security pens.
Affirmative Technologies, Inc. - ACH processing software for businesses.
Aftech - Software provider for credit unions.
Agiletics, Inc. - Provides cash management sweeping and investment software.
Aircharge - Developer of wireless payment processing systems.
AlexeBanking.com - Provider of Internet-based software and services for financial institutions.
Alliance Security Group - Offers atms, night depositories, safes, vaults, and a complete line of banking equipment and security products to financial institutions.
Alnova Technologies Corporation - Provides retail banks with modular solutions.
Alpha Data Utility, Inc. - Provides credit management software systems, consulting and software design.
American Safe Deposit Services - Company specializes in safe deposit products and services.
Amro-Asian Trade, Inc. - Offers coin and currency handling equipment.
AnaSys - Core business is to build and market interface systems in the interbanking environment.
Anderson Imaging Group - Provides check scanners, MICR readers, check encoders, Magnetic stripe readers/encoders and credit card printers to the banking industry.
Aquracy.com - Offers check, invoice and remittance payment solutions for low-to-medium volume operations.
ASD Corporation - Provides solutions for banks to generate fee income from non-interest financial sources.
AstroSystems, Inc. - Validates currency in 75 countries around the world.
Atris Technology - Financial software for teller automation and branch banking.
Avantek Systems Inc. - Provider of reusable software components enabling accelerated assembly of custom n-tier applications for banking and financial services industry.
B & B Technical Services - New and reconditioned bank equipment below retail.
Back to Basics, Inc. - Loan servicing software for commercial or residential mortgages.
Balboa Check Protector - Supplies banking equipment, check signers and protectors, time stamps and paper shredders.
BancTec - Provider of hardware and software systems for the financial transaction marketplace.
Bank Mark, Inc. - Supplier of carriers for bank pneumatic systems.
BankEquipment.com - Classifieds and link listings for equipment and services to the bank equipment market.
The Banker's Exchange - Provides coin and currency counters, check encoders and other bank equipment.
BankServ - Provider of electronic funds transfer technology and services.
BankSupplies.com - Offers bank, credit union, ATM, and cash products. Includes financial printing supplies and counterfeit detection equipment.
BankSys Management - Provides WAN, video and telephony solutions to community banks throughout the Southeast.
BankTrade - A browser based software solution for trade finance and letters of credit, designed for banks and their corporate clients.
BankWare - Provides check imaging, document imaging and cold solution to the banking industry.
BARS GmbH - Manufacturer and supplier of banking equipment such as currency sorters, single note inspection systems, cash logistic/storage systems and related software.
BellCon - Manufacturer and supplier of banknote counterfeit detector, sorter, counter machines and UV banknote detectors.
BMA Management Support Corp - Bank core processing software and outsource provider.
Bonaire Software Solutions, LLC - Web-based transactional applications, solutions and services for the financial services industry.
Bottomline Technologies Europe - We develop software for B2B e-Commerce, electronic banking, e-Billing, payments, collections, ACH, laser cheque printing and security services.
BranchConnect Financial Systems, Inc - Developers of a teller automation software solution for banks.
Bridger Tracker Compliance Software - Compliance software solutions to assist any business with OFAC and USA PATRIOT Act compliance. Download 45-day free trial.
Brown Security Designs, Inc. - Providers of ATMs, attended transaction systems and security systems to the banking industry.
Business Logic - Offers efinance infrastructure solutions to the financial services industry.
California Banking Systems - Provides used and reconditioned banking and financial equipment.
Callatay and Wouters - Provides core banking, internet and data warehouse solutions to the financial services industry.
Carreker Corporation - Provides integrated consulting and software solutions which enable banks to increase their revenues, reduce their costs and enhance their delivery of customer services. (Nasdaq: CANI).
The Case Manager - Provides software designed to automate a financial institution's investigative office.
Cash-Tech - Provider of software products and applications consulting in the area of cash management.
Castle Six - Provides cleaning cards for all electronic payment equipment systems.
Centaur Associates - Providing courier service and routing software for banks since 1995.
Centerprise Services, Inc. - Provides technology applications for financial services organizations.
City Financials eTC Treasury Software - Specialist suppliers of corporate treasury software. Cash, Deal and Risk management with integrated Accounting.
City Networks - Provides software solutions for the treasury, securities and derivatives industries.
Cognos Inc. - Finance, planning and budgeting software. Business performance management software for visibility into resource requirements and future business results.
Corillian Corporation - Provides e-finance software to financial services firms.
CR2 - Provider of channel banking and card payment solutions to the financial services industry.
CRA Information Services - Total solutions for CRA and HMDA data collection, correcting, reporting, and analysis for the banking industry.
Credit Risk Management Software Solution - Provides end to end Credit Risk Management software compliant with Basel II and Publication 75 for Credit Risk Management providing automation of Risk Policy, Risk Adjusted Pricing, Administration and Monitoring, Risk Asset Review and Operations.
CSC Financial Services - Provides specialized application software for the global financial services industry.
CTS group - Specialised Peripherals for Banks, Financial Institutions and Service Companies. Solutions for Front-Office, Back-Office and Self Service application environments.
Cummins-Allison Corp. - Manufacturer of currency equipment, paper shredders and office products.
Data Select Systems - Providing automated software solutions for commercial real estate banking, including Construction Loan Control and Mortgage Servicing.
Davis Bancorp Disaster Recovery Services - offers complete item processing, inclearings and imaging capabilities.
Dealing Inc. - Offers a client/server software complex that supports a wide range of office operations.
Delarue Supplies - Makers of change machines and teller cash dispatch units.
Diebold Incorporated - Manufacturer and supplier of an integrated line of self-service banking products.
Digital Business Solutions W.L.L. - Provides credit risk management software compliant with Basel II, other products and services for the banking, Islamic banking and financial industry.
Digital Check Corporation - Offers check scanners and check scanning equipment to financial institutions.
eFunds Corporation - Internet banking solutions including payment and transactions. (Nasdaq: EFDS).
Endpoint Exchange - Provides check truncation, payment truncation and check clearing services for financial document image clearing exchange.
Eurobase - Real-time treasury management and trading systems for banks, corporations and financial institutions. Including FX and MM, credit risk, equities and derivatives.
Euronet Worldwide - Solution provider enabling financial institutions to deliver financial information and transaction services from mobile phones, wireless devices, Web, ATM and POS terminals.
Farin dot Com - Provider of asset liability and pricing software for financial institutions.
Fidelity National Information Services - Provides banking software and tools, architectures, and information technology solutions.
Field Solutions - Provides specialist pricing software to the finance and banking industry.
Financial Interactive Systems, Inc. - Branch automation technology for the banking industry.
Financial Marketing Systems, Inc. - Provides banks with products designed for profitable customer relationship management.
Financial Tools, Inc. - Specializing in financial tools for the banking and lending communities. Provides business and personal credit analysis and contact management software for lenders.
Fincentric Corporation - Makers of i-Wealthview, a wealth management software solution that includes core banking, Customer Value Management, data aggregation, Internet and wireless financial portals and full multi-channel support.
Fiserv, Inc. - Operates centers which offer full-service financial data processing, software system development, item processing and check imaging, multiple technology support, electronic funds transfer services, plastic cards and other related card management services, network installation and integration services, human resources outsourcing, design and production of business forms and marketing literature, delivery and support of third-party software and hardware products, securities processing and related business products, in the United States as well as in international markets. (Nasdaq: FISV).
Fiserv Los Angeles - Provides information technology module processing to local and regional banks.
FNStar Inc. - Provides financial services solutions for institutional and retail brokerage, and wealth and retirement planning and management.
Fraud Detection - Syfact is a Corporate Intelligence Management Tool utilized to combat Financial Crime, Money Laundering, General Fraud Risks and is used to preserve reputation integrity.
Frisco Bay Industries Ltd. - Designs, develops and markets integrated systems including transaction processing systems, computerized time management systems and integrated security systems, for financial institutions.
Fundamentum Limited - Internet Credit Application Processing Systems & Software - Providers of iLAPS (Internet Loan Application Processing System) for financial institutions.
FundsXpress Financial Network - Enables financial institutions to offer Internet banking and online brokerage services.
GHR Systems, Inc. - Providers of loan origination technology and support services to lenders.
Gladstone International Consulting, Ltd. - Providing consultancy and services for IT solutions to financial institutions.
Guarantee Business Systems - Provides sales and service for computer, storage and banking equipment.
Guthrie Phillips Group - Offers financial applications to credit unions, banks and collection agencies.
Harland Financial Solutions - Provides software for financial institutions seeking to maximize profitability.
The Harrison Company - Provides customer relationship management (CRM), relationship marketing systems, and account aggregation services.
HMA Starware Ltd - Provides complete banking software solutions.
IBServices - Provides applications oriented to high-net-worth individuals and asset managers.
i-flex Solutions Ltd. - Provider of technology solutions for the financial services industry, offers pre-packaged products, custom solutions, consulting services and offshore development facilities.
Impressions International - Offers check writing equipment and accessories.
Information Builders Banking and Financial Solutions - provides Web business intelligence and integration software and services for the banking and financial services industry.
Infosys Technologies - Provides Core Banking Solution named Finacle to Banks
Infotech Ltd. - Treasury, internet banking and core banking solutions for the banking industry.
InterCept Group, Inc. (The) - Designs, develops, markets and implements a suite of integrated electronic commerce products client/server enterprise software and other processing solutions primarily for community financial institutions. (Nasdaq: ICPT).
International Private Banking Systems - Provides private banking software and IT banking solutions.
1internet Corp. - Specializes in turn-key portals for community banks and financial organizations.
IPS of Boston - Payment management software including ACH, Positive Pay, Check Printing Software, Electronic Payments and Financial EDI for Payroll and Direct Deposit.
IQ Financial Systems - Windows-based loan accounting and loan servicing software.
IT/2 Treasury Management - Provides IT/2 Choice treasury management solutions for the global market including investment management software for the financial industry.
Item Processing Resource Guide - A listing of item processing, remittance processing and check imaging systems services and supplies.
J and B Software - Developer of image based payment processing software.
J.D. Crow & Associates - Bank equipment parts, supplies and consumables.
JFC Banking Equipment - Provides converters, trays and money detection systems.
Kale Consultants - Developer of software products for airline and banking industries.
The Kamakura Corporation - Provides credit risk, market risk, and asset and liability management software.
Kelly Banking Services, Inc. - Installation and support for NCR/UNISYS proof stations.
Kid Savers - Teaches kids the value of savings, while offering financial institutions the value of good press and promotion.
Kirchman Corp. - Develops banking automation software for banks of all sizes.
Kpit Infosystems - Offers IT services, development, maintenance and support, web enabling, re-engineering and migration.
Lawson Software - Web-enabled enterprise resource planning solutions including general ledger and activity management. Allows users to migrate and integrate legacy system data and provides transactional information associated with numbers.
Level Four Software - Vendor independent software tools for ATM application development, testing, content management and EMV Smart Card compliance.
LHA Systems, - Supplies software for banking and security needs around the world.
LHA Telextester - Offers software products for banking security.
Lombard Risk - Software and consultancy firm for banking, e-government and financial training.
Mag-II Internet Mall - Provides cash handling equipment and supplies.
Maverick International - Manufactures and distributes MICR check encoding and payment processing solutions.
Merchant Software Plus - Software maker enables small business owners to validate and process credit cards and checks using a personal computer and a modem.
Metavante - Offers CRM, EFT, electronic banking, electronic payment, and private label banking for institutions.
MICR Prime Services, Inc. - Provides software to financial institutions for producing MICR encoded documents.
Miser - Provides information technology solutions for banks and financial institutions.
Misys plc - Misys-IBS is a global supplier of IT solutions to the banking industry
MoneyGuidepro - Financial planning software for banks, financial advisors and broker dealers.
The Mortgage Office - Loan servicing, origination, tracking, and collection software.
Mosaic Software - Provider of electronic funds transfer software for financial and retail institutions.
MotionTouch - UK manufacturer of signature capture technology, designed for the banking and financial industries.
National Bankers Supply - Supplies money-handling products for coin or currency transport and storage.
National Source One - Providers of teller management systems.
Net Bank Audit - Identifies an organization's online security weaknesses and vulnerabilities.
Network Controls International, Inc. - Provides retail delivery and connectivity solutions for banks.
NextBill - Provides ACH software for the financial services industry.
Notex 1500-C - Money counter machine that provides accurate high speed processing of paper and plastic currency.
Online Banking Software - Probanx provides turn-key software solutions for Internet banks.
Open Solutions Inc. - Provides e-business and software applications for community financial institutions.
Optimum System Products - Delivers outsourcing services, document management and bank supplies.
Parabit Systems - Provides products and services that maximize bank automation and electronic banking services.
Paragon Application Systems - Provides ATM, POS, and electronic banking software solutions to the financial services industry.
The Pathfinder Group, Ltd - Provides banking operations software solutions to financial institutions.
PCi Corporation - Provides CRA, HMDA, and Fair Lending analysis software to the banking industry.
Peldec Decision Systems Ltd. - Provides banks with software solutions that streamline the review, analysis and approval of commercial credit applications and enable compliance with Basel II credit risk requirements.
Personix - Source for plastic card manufacturing and personalized print/mail services.
PIBAS, Inc. - Provides development and support of banking application systems.
Pirum Systems Limited - Providers of Internet based securities financing technology solutions.
Polaris Software Labs Ltd. - Banking and financial software solutions multinational.
POS Register - Offers reconditioned card terminals and new cash register terminals.
Prime Associates Inc - Provider of messaging, payment integration, and regulatory compliance products.
Proaxiom Holdings, Ltd. - New Zealand-based solution providers to major financial institutions offers workflow solutions from application scanning to application approval/decline.
Probanx Banking Software - Provider of fully integrated Banking Software Solutions for international private banks and commercial banks.
ProGenics Corporation - Interactive banking and remote access software, designed for financial institutions in Nigeria.
Promain International - Distributes money exchange systems and daily safes.
Qsys Corp. - Developers of online ATM and teller terminal transaction software for financial institutions.
RDM - Offers software products for payment capture and processing in banking applications.
Real Time Financial Management Ltd. - Provides software solutions to the financing business needs of global investment banks.
Real-time payment management and processing software for credit and debit card issuers - CoreCard provides real-time,cross-border card issuing and acquiring software to financial institutions.
Sam E. Mitchell and Associates, - Provides coin, currency, document and data processing equipment
Seedman Schwartz - Providing mobile banking solutions using J2ME technology.
Shaw Systems Associates, Inc. - provides consulting, development, installation, and training for credit management software.
Sheaffer One Source - Provider of financial bags, crowd control stanchions, and related bank supplies.
Smart Solution - Suppliers of customized financial institution software.
Smartstream Technologies - Provides banking back office solutions for reconciliation and exception management.
Software Solutions for Community Banks - Develops and implements software solutions that are designed to help community banks achieve operational efficiencies, improved customer service, and enhanced internal control.
724 Solutions Inc. - Provides infrastructure software for the secure delivery of financial services.
SQN Signature Systems - Produces software for banks to capture and display signatures at any bank location.
SRS Systems Inc. - Supplier of check endorsers, coin and currency counters and forms handling equipment.
Starex Financial Systems - Firm buys and sells new and used banking, financial, and business related equipment.
STB-Solutions for financial compliance and data management - Solutions for financial compliance, Regulatory reporting, anti-money laundering, OFAC compliance and data management
Strategic Information Technology Ltd - Provides financial software solutions for banks, credit unions, retailers, and manufacturers. Includes product details and customer support contacts.
Street Resource Group, Inc. - Provides mortgage software and systems support services.
Suchak Data Systems - SDS is a full service provider of technology solutions for community banks.
Surecomp - Offers a range of wholesale banking solutions, including trade finance software.
SweepTech Technology - Develops a money market fund sweep product, designed to open new markets in the cash management arena.
System Access - Provides e-banking software solutions for financial services organisations.
System Resources, Inc. - Purchases, maintains and resells new and refurbished banking equipment.
Team Services Inc. - Provides services to the banking community including Locksmithing, Vat Maintenance, Equipment Surveys, Video Equipment Maintenance and consulting.
Technisys - Provides end-to-end Internet-based transactional solutions for the financial industry in the US, Europe and Latin America.
Tecniflex - Provides banking equipment systems and hardware maintenance.
TimeValue Software - Providers of online financial calculators.
TNS Smart Network - Offers ATM and EFT switching solution for retailers and financial institutions.
Top Technology - Transaction repair company servicing POS terminals, printers and pinpads.
Trade finance software solutions - BankTrade provides software solutions for trade finance, letters of credit and international banking, designed for both banks and their corporate clients.
Trade Systems Inc. - Offers software designed specifically for credit unions.
TradeSoft - Trade Finance Software - TradeSoft offers software and knowledgebase solutions for trade finance.
Tranquilmoney - Net-hosted software for basic receivables management.
Trinergy - Credit Union Software - System designed to provide CU industry with client-server technology for member management, financial and reporting.
TS Partners - Provides shareholder accounting software for stock transfer and corporate trust processing.
UCP Financial Equipment Co. - Supplier of financial equipment to the Southeast United States.
U.S. Credit Card Equipment - Provider of terminals, printers, pin pads, software and processing equipment.
USA Patriot Act Compliance Software - USA Patriot Act Compliance Software for OFAC,FINCEN, BIS/BXA,OSFI,FBI,FATF Data.
The Weiland Financial Group, Inc. - Provides account analysis systems, support, and software upgrades.
Weston & Muir - Provides PC-based financial accounting software.
Wolters Kluwer Financial Services - National provider of forms and compliance software to the financial industry.
XCharge - Standalone program that allows users to process credit cards on their computer.
XP Systems - Provides software for credit unions.
Zoot Enterprises - Provides instant credit decisioning and loan origination services.

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