NCR and ACI to Deliver New IFX ATM Messaging Standard at First National Bank of Omaha

First National Bank of Omahas (FNBO) upcoming deployment of IFX-based ATMs will represent a major industry transition to the next generation of applications, based upon the standard ratified by the Interactive Financial Exchange Forum earlier this year. ATMs have traditionally utilized proprietary messaging protocols to authenticate and authorize transactions with the banks or other ATM deployers financial processing systems. The limitations of these proprietary protocols have restricted the functional capabilities of ATMs. Furthermore, due to the uniqueness of the ATM channel, deployers have been unable either to share transactional services or to use a common infrastructure between their ATMs and their other delivery channels, such as Internet and telephone banking. The non-proprietary and more powerful IFX replaces these legacy ATM transaction authorization protocols that are no longer capable of handling todays functionality. IFX allows the bank or ATM deployer to use the same software applications and supporting infrastructure across several channels. This increases efficiency and reduces software development cost, while enabling advanced ATM functions to be supported, such as personalization, image-based No Envelope Deposit and additional banking transactions. First National Bank of Omaha (FNBO) will deploy ATMs running NCRs APTRA Edge software, which enables an intelligent application to run on the ATM, supporting the new IFX transaction authorization protocol. APTRA Edge is the industry?s leading advanced ATM application platform. The FNBO units will also utilize ACIs BASE24 transaction processing system, which also supports IFX messaging.