# CEN/XFS

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This article is about a computing standard. For other uses, see [XFS (disambiguation)](/source/XFS_(disambiguation)).

**CEN/XFS** or **XFS** (*extensions for financial services*)[1] 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 [ATMs](/source/Automatic_teller_machine) 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,_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:

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

## 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 [\[1\]](https://www.abbrevia.com/)
- Paragon VirtualATM [Product Page](https://www.paragonedge.com/products/virtualatm) [ATM Testing](https://www.paragonedge.com/atm-testing)
- FIS ATM TestLab, [Open Test Solutions](https://www.fisglobal.com/en-gb/products/open-test-solutions), [Product Brochure](https://www.fisglobal.com/-/media/fisglobal/files/PDF/brochure/OTS-Brochure.pdf) (was Clear2Pay, formerly Level Four Software and Lexcel TestSystem ATM)
- Serquo XFS ATM Simulator [Atmirage](https://atmirage.serquo.com/en/)
- [KAL](/source/KAL_ATM_Software) [KAL Kalignite](http://www.KAL.com) 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)
- [LUTZWOLF JDST](https://web.archive.org/web/20171122125714/http://www.lutzwolf.com/) - Testtool for J/XFS compatibility
- Afferent Software RapidFire ATM XFS [\[2\]](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 devices](/source/Peripheral_device) used in the financial industry such as [EFTPOS](/source/EFTPOS) terminals and [ATMs](/source/Automated_teller_machine).

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

1. ["CEN Workshop on eXtensions for Financial Services (WS/XFS)"](https://www.cencenelec.eu/areas-of-work/xfs_cwa16926_340_release/). *CEN-CENELEC*. Retrieved 2024-04-15.

- - Braeuer, Johannes; Gmeiner, Bernadette; Sametinger, Johannes (2016). ["A Risk Assessment of Logical Attacks on a CEN/XFS-based ATM Platform"](http://www.iariajournals.org/security/). *International Journal on Advances in Security*. **9** (3 and 4): 122–132. International Academy, Research, and Industry Association. Retrieved 18 March 2025.

## External links

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

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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.