CEN/XFS or XFS provides a client-server architecture for financial applications on the Microsoft Windows platform, especially peripheral devices such as EFTPOS terminals and ATMs which are unique to the financial industry. It was initially known as WOSA Extensions for Financial Services or WOSA/XFS (WOSA stands for Windows Open Services Architecture).
With the move to a more standardized software base, financial institutions have been increasingly interested in the ability to pick and choose the application programs that drive their equipment. XFS provides a common API for accessing and manipulating various financial services devices regardless of the manufacturer.
- 1991 - Microsoft forms "Banking Solutions Vendor Council"
- 1995 - WOSA/XFS 1.11 released
- 1997 - WOSA/XFS 2.0 released - additional support for 24 hours-a-day unattended operation
- 1998 - adopted by CEN as an international standard.
- 2000 - XFS 3.0 released by CEN
- 2008 - XFS 3.10 released by CEN
- 2011 - XFS 3.20 released by CEN
WOSA/XFS changed name to simply XFS when the standard was adopted by the international CEN/ISSS standards body. However, it is most commonly called CEN/XFS by the industry participants.
While the perceived benefit of XFS is similar to Java's "Write once, run anywhere" mantra, often different hardware vendors have different interpretations of the XFS standard. The result of these differences in interpretation means that applications typically use a middleware to even out the differences between various platforms implementation of XFS.
Notable XFS middleware platforms include:
- Nautilus Hyosung - Nextware
- Hitachi-Omron Terminal Solutions ATOM
- Diebold Agilis Power
- NCR Corporation Aptra XFS
- KAL - KAL Kalignite
- Cashware- XFS Service Providers
- Phoenix Interactive VISTAatm
- Wincor Nixdorf ProBase (ProBase C as WOSA/XFS platform - ProBase J as J/XFS platform)
- SBS Software KIXFS/Terminal Control
- Dynasty Technology Group - (JSI) Jam Service Interface
- HST Systems & Technologies - HAL Interface
- FreeXFS- Open source XFS platform
- GRG banking eCAT (Multi vendor ATM terminal solution)
XFS Test Tools
XFS test tools allow testing of XFS applications and middleware on simulated hardware. Some tools include sophisticated automatic regression testing capabilities.
Providers of XFS test tools include:
- Level Four Software Ltd, BRIDGE:test
- Clear2Pay, ATM TestLab
- KAL KAL Kalignite Test Utilities
- Lexcel TestSystem ATM - Open Architecture
- Dynasty Technology Group - JSI Simulators
- HST Systems & Technologies (Brazil)
- Takkto Technologies (Mexico)
- Software Industries Ltd, XFS Explorer
- LUTZWOLF JDST - Testtool for J/XFS compatibility
- J/XFS - a Java alternative to the CEN/XFS standard.
- Xpeak - Devices Connectivity using XML (Open Source Project).
- Automated teller machine
- Teller assist unit
- List of companies involved with ATMs
- CEN/XFS Home Page
- CEN/XFS ATM Software Info
- LUTZWOLF Systems GmbH
- WOSA/XFS driver developers (http://www.nayadegroup.com) Spanish
- Dynasty Technology Group S.A.