# CEN/XFS

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{{Short description|Financial server architecture for Microsoft Windows}}
{{about|a computing standard|other uses|XFS (disambiguation)}}

{{Multiple issues|
{{external links|date=April 2017}}
{{inline|date=March 2025}}
{{more sources needed|date=April 2024}}
}}
'''CEN/XFS''' or '''XFS''' (''extensions for financial services'')<ref>{{Cite web |title=CEN Workshop on eXtensions for Financial Services (WS/XFS) |url=https://www.cencenelec.eu/areas-of-work/xfs_cwa16926_340_release/ |access-date=2024-04-15 |website=CEN-CENELEC}}</ref> provides a client-server architecture for financial applications on the [Microsoft Windows](/source/Microsoft_Windows) platform, especially peripheral devices such as [EFTPOS](/source/EFTPOS) terminals and [ATM](/source/Automatic_teller_machine)s which are unique to the financial industry. It is an international standard promoted by the [European Committee for Standardization](/source/European_Committee_for_Standardization) (known by the acronym CEN, hence CEN/XFS). The standard is based on the '''[WOSA](/source/Windows_Open_Services_Architecture) Extensions for Financial Services''' or '''WOSA/XFS''' developed by [Microsoft](/source/Microsoft).

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](/source/API) for accessing and manipulating various financial services devices regardless of the manufacturer.

== History ==
Chronology:
* 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 European Committee for Standardization 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
* 2015 - XFS 3.30 released by CEN
* 2020 - XFS 3.40 released by CEN
* 2022 - XFS 3.50 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.

== XFS middleware ==
While the perceived benefit of XFS is similar to Java's "[write once, run anywhere](/source/write_once%2C_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](/source/middleware) to even out the differences between various platforms implementation of XFS.

Notable XFS middleware platforms include:
* [https://www.linkedin.com/company/f1-solutions-sp.-z-o.o./about/ F1 Solutions] - F1 TPS (multi-vendor ATM & POS solution)
* [https://serquo.com/en/xfs/ Serquo - Dwide] (REST API middleware for XFS)
*[http://www.nexussoft.com Nexus Software LLC] - Nexus Evolution
* [Nautilus Hyosung](/source/Nautilus_Hyosung) - [Nextware](/source/Nextware)
* [Cyttek Gen3XFS](/source/Cyttek_Gen3XFS) - Multivendor terminal solution for ATM
* [Hitachi-Omron Terminal Solutions](/source/Hitachi-Omron_Terminal_Solutions) [ATOM](/source/Atom_(web_standard))
* [Diebold Agilis Power](/source/Diebold_Agilis_Power)
* [NCR](/source/NCR_Corporation) - [https://www.ncr.com/product-catalog/ncr-xfs NCR XFS]
* [KAL](/source/Korala_Associates_Limited) - [http://www.KAL.com KAL Kalignite]
* [https://www.aurigaspa.com Auriga - The Banking E-volution]- WWS Omnichannel Platform
* [http://www.phoenix-interactive.com Phoenix Interactive] {{Webarchive|url=https://web.archive.org/web/20100728035912/http://www.phoenix-interactive.com/ |date=2010-07-28 }} [http://www.phoenix-interactive.com/solutions/atm-software/terminal-software/vista-atm/ VISTAatm] {{Webarchive|url=https://web.archive.org/web/20101112170844/http://www.phoenix-interactive.com/solutions/atm-software/terminal-software/vista-atm/ |date=2010-11-12 }} Acquired by Diebold
* [Diebold Nixdorf](/source/Diebold_Nixdorf) ProBase (ProBase C as WOSA/XFS platform - ProBase J as J/XFS platform)
* [https://www.salzburgerbankensoftware.com/sbs/home.nsf/pages/Home SBS Software] [https://www.salzburgerbankensoftware.com/sbs/home.nsf/pages/KIXXtension_en KIXXtension]
* [Dynasty Technology Group](/source/Dynasty_Technology_Group) - (JSI) Jam Service Interface
* [HST Systems & Technologies](/source/HST_Systems_%26_Technologies) - [HAL Interface](/source/HAL_Interface)
* [http://code.google.com/p/freexfs/ FreeXFS]- open source XFS platform
* [GRG banking](/source/GRG_Banking) [https://web.archive.org/web/20130930074034/http://grgbanking.com/softs/terminal.html eCAT] (multi-vendor ATM terminal solution)
* TIS [https://github.com/tisrico/xfs-sst-js xfs.js implementation](open source for node.js community)
* [TEB](/source/T%C3%BCrk_Ekonomi_Bankas%C4%B1) Orion
* ibXFS (Multi-vendor ATM terminal solution) - [https://hitachi-dps.com/ Hitachi Digital Payment Solutions] 

== 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:
* [Cyttek Group](/source/Cyttek_Group) - [XFS Middleware](/source/XFS_Middleware)
* Abbrevia Simplicity [https://www.abbrevia.com/]
* Paragon VirtualATM [https://www.paragonedge.com/products/virtualatm Product Page] [https://www.paragonedge.com/atm-testing ATM Testing]
* FIS ATM TestLab, [https://www.fisglobal.com/en-gb/products/open-test-solutions Open Test Solutions], [https://www.fisglobal.com/-/media/fisglobal/files/PDF/brochure/OTS-Brochure.pdf Product Brochure] (was Clear2Pay, formerly Level Four Software and Lexcel TestSystem ATM)
* Serquo XFS ATM Simulator [https://atmirage.serquo.com/en/ Atmirage]
* [KAL](/source/KAL_ATM_Software) [http://www.KAL.com KAL Kalignite] Test Utilities
* [Dynasty Technology Group](/source/Dynasty_Technology_Group) - [JSI Simulators](/source/JSI_Simulators)
* [HST Systems & Technologies](/source/HST_Systems_%26_Technologies) (Brazil)
* [Takkto Technologies](/source/Takkto_Technologies) (Mexico)
* [https://web.archive.org/web/20171122125714/http://www.lutzwolf.com/ LUTZWOLF JDST] - Testtool for J/XFS compatibility
* Afferent Software RapidFire ATM XFS [http://www.afferentsoftware.com/]

== J/XFS ==
J/XFS is an alternative [API](/source/API) to CEN/XFS (which is [Windows](/source/Windows) specific) and also to Xpeak (which is Operating System independent, based on XML messages). J/XFS is written in [Java](/source/Java_(programming_language)) with the objective to provide a [platform](/source/Computing_platform) agnostic [client-server architecture](/source/client-server_architecture) for financial applications, especially [peripheral device](/source/peripheral_device)s used in the financial industry such as [EFTPOS](/source/EFTPOS) terminals and [ATM](/source/Automated_teller_machine)s.

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. J/XFS provides a common [Object Oriented](/source/Object-oriented_programming) API between a pure Java application and a wide range of financial devices, providing a layer of separation between application and device logic that can be implemented using a native J/XFS API or wrapping an existing implementation in [JavaPOS](/source/JavaPOS) or CEN/XFS.

J/XFS was developed by the companies [De La Rue](/source/De_La_Rue), [IBM](/source/IBM), [NCR](/source/NCR_Corporation), [Wincor Nixdorf](/source/Wincor_Nixdorf) and [Sun Microsystems](/source/Sun_Microsystems) and is now hosted, monitored and maintained by the [European Committee for Standardization](/source/European_Committee_for_Standardization), CEN.

== See also ==
* Xpeak - Devices Connectivity using XML (Open Source Project).
* [Automated teller machine](/source/Automated_teller_machine)
* [Teller assist unit](/source/Teller_assist_unit)

== References ==
{{reflist}}
:*<small>{{cite journal |last1=Braeuer |first1=Johannes |last2=Gmeiner |first2=Bernadette |last3=Sametinger |first3=Johannes |title=A Risk Assessment of Logical Attacks on a CEN/XFS-based ATM Platform |journal=International Journal on Advances in Security |date=2016 |volume=9 |issue=3 and 4 |pages=122–132 |url=http://www.iariajournals.org/security/ |access-date=18 March 2025 |publisher=International Academy, Research, and Industry Association}}</small>

== External links ==
* [https://www.cencenelec.eu/areas-of-work/cen-sectors/digital-society-cen/cwa-download-area/ CEN/XFS Home Page]

{{DEFAULTSORT:Cen Xfs}}
Category:Windows communication and services
Category:Device drivers
Category:Embedded systems
Category:Application programming interfaces
Category:Microsoft application programming interfaces
Category:Banking technology

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Adapted from the Wikipedia article [CEN/XFS](https://en.wikipedia.org/wiki/CEN%2FXFS) by Wikipedia contributors ([contributor history](https://en.wikipedia.org/wiki/CEN%2FXFS?action=history)). Available under [Creative Commons Attribution-ShareAlike 4.0 International](https://creativecommons.org/licenses/by-sa/4.0/). Changes may have been made.