Wincor Nixdorf has updated its PC/E Mobile Cash application, first launched in October last year for the Android and iOS, so that it can now be used worldwide by retail banks that want to give customers the ability to use their smartphone to withdraw cash from an automated teller machine (ATM).
Retail bank customers use the mobile app to withdraw ATM cash and also to locate the nearest cash machine that supports the mobile cash scheme.
For the iPhone, Wincor Nixdorf is the first vendor of ATMs to integrate this service into the Apple Passbook ecosystem using Apple passes. For Android users, a comparable function has been integrated directly into the Wincor Nixdorf app.
As confirmation bank users receive a QR code for the transaction. For Google’s Android operating system (OS) a near-field communication (NFC) functionality can also be accessed, similar to the Fujitsu/La Caixa bank ATM previously launched in Spain that allowed similar mobile ATM withdrawals.
Wincor Nixdorf is actively looking for retail banks to pilot the updated global technology as a first step to wider rollouts.
To use the app bank customers select the Mobile Cash function and then control the rest of the previously prepared transaction from their smartphone. A QR code, which is stored either in Apple Passbook or Wincor Nixdorf’s PC/E Mobile Cash app, is read at the ATM, replacing authentication via a traditional bank card. A transaction PIN can also be entered as an additional security feature.
As far as the bank is concerned, only a few technology extensions are needed, maintains Wincor Nixdorf. Depending on the configuration, it may however be necessary to add a barcode scanner to the ATMs to read the QR code. In addition, client software must be installed on the machines to support this function. PC/E Transaction Safe, a server component that can be integrated in existing software environments handles communication with the background core banking systems.
“Consumers are increasingly demanding innovative end user concepts – not just in payment processes with mobile wallets,” says Stefan Wahle, vice president of software solutions at Wincor Nixdorf. “Smartphones will play a key role in interaction with cash machines in the future.”