Fleet is hedging its bets with the new Windows-based ATMs, relying on an existing leased line network using IBM's Systems Network Architecture (SNA) to connect ATMs to a Tandem Computers mainframe for processing core ATM functions such as customer personal identification numbers and account information, D'Aprile said.
"That connection type has been in place for 20 years and isn't prone to hacking. It allows us to isolate ourselves a bit more," he said.
For other ATM functions requiring a connection to Fleet's network, the company is connecting ATMs using a VPN (virtual private network). Fleet has also used NCR's APTRA toolkit to develop more secure applications for Windows ATMs. For example, the applications are programmed to detect network disruptions such as worm outbreaks and prevent customer ATM transactions when they occur, he said.
Still, D'Aprile said that news of the worm outbreak on Diebold's systems is a concern and banks will have to be much more vigilant in keeping up with the many Windows patches than when they ran OS/2 on their ATMs.
Even so, the roll-out of Windows-based ATMs is expected to accelerate in coming years, as smaller banks and credit unions follow the lead of larger financial institutions, according to ATMMarketplace.com's All.
Banks will also begin moving their ATMs from expensive leased line networks to less-secure TCP/IP (Transmission Control Protocol/Internet Protocol) based networks, which offer opportunities for expanded features, remote access management and easier software distribution, Diebold's Grzymkowski said.
"The benefits to banks like Wells Fargo (and Company) and Fleet far outweigh the inconvenience," said NCR's Evans. "You get a consistent look and feel, expanded transactions across all channels and new solutions. Those are well worth the inconvenience you might get from a PC virus."
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