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Asked: 2026-05-13T23:56:46+00:00

I’m doing a grad-school software engineering project and I’m looking for the protocol that

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I’m doing a grad-school software engineering project and I’m looking for the protocol that governs communications between ATMs and bank networks.

I’ve been googling for quite a while now, and though I’m finding all sorts of interesting information about ATMs, I’m surprised to find that there seems to be no industry standard for high-level communications.

I’m not talking about 3DES or low-level transmission protocols, but something along the lines of an Interface Control Document; something that governs the sequence of events for various transactions: verify credentials, withdrawal, check balance, etc.

Any ideas? Does anything like this even exist?

I can’t believe that after all this time the banks and ATM manufacturers are still just making this up as they go.

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

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  1. Editorial Team

    Well, there are lots of interbank networks. I would guess that each of them communicate differently. The stickers on the ATM (Cirrus, STAR, Pulse, etc…) identify which network the machine participates in. I do believe, though, that the “structure” of the message is dictated by an ISO standard. Cirrus is a Mastercard owned network and PLUS is a Visa owned network… I’d scour their sites to see if they publish any API details.

    Edit, by request:

    Have a look at the following ISOs 15022, 20022, 9362 and 4217 — http://en.wikipedia.org/wiki/Category:Financial_routing_standards

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