Bank ATM wireless communication networking Solution

With the intensification of competition in China's financial sector, major banks have turned to service-oriented, providing various value-added services. With the rapid development of the national economy and the increasing competition in the banking industry, the traditional financial business presents a diversified development model. In addition to the traditional banking business department, there are more and more self-service banking services, ATM, online banking, telephone banking Mobile banking and other emerging self-help financial services have quietly sprung up. Now they have developed to be installed in busy commercial streets, shopping malls, commercial office buildings, residential areas, airports, docks, factories, schools and other places. All kinds of signs indicate that China's financial industry is developing towards internationalization, and innovative service models have become an inevitable trend.

Most of the existing ATM terminals adopt wired network access mode. This access mode makes the self-service equipment subject to the influence of wired network coverage, and can only be set in the business outlets of financial institutions and large commercial institutions, which restricts the service mode, weakens the convenience and convenience of the self-service equipment, and cannot achieve the original intention of expanding the business coverage of the business outlets by using the self-service transaction mode. However, wireless network is not affected by network physical factors. Financial institutions can deploy self-service equipment anywhere covered by wireless network, which can effectively expand business coverage, thus providing a good network platform for improving business transaction volume.

Financial self-service terminals face the following problems in actual deployment:

1. Access difficulties

It is very difficult to install ATM in places with large traffic such as busy commercial streets, shopping malls, commercial office buildings, residential areas, airports, docks, factories, schools and other places. The process of building optical cables in these places requires not only municipal approval but also property approval, which will also affect the normal work of the route. Therefore, there will be many obstacles.

2. High cost

It is not only difficult and costly to restore the original appearance of the road after the construction of wiring in the busy street.

3. Long implementation cycle

Optical cable construction and special line circuit are not only affected by municipal administration and property, but also affected by weather and other irreversible factors.

4. High difficulty in relocation

Once the ATM machine is arranged, if it needs to be relocated in an emergency, it will involve a series of approval, planning, construction and other issues, and the relocation cycle will be long.

The bank ATM communication networking scheme of Shenzhen Yitai Xintong Technology Co., Ltd. connects the terminal ATM with the ET610 router through the Ethernet interface, and the bank center system can use the special line, ADSL, etc. as the network access method. Etai ET610 VPN wireless router accesses the Internet through 4G/5G wireless network, and establishes VPN connection with the bank center system, so that the terminal ATM and the bank center system form the same network, and the terminal ATM can directly communicate with the bank center system server. The business data generated by the terminal ATM will be directly transmitted to the bank center system of the central server through the communication channel established by the router and the central server. The whole system consists of three parts: terminal ATM, 4G/5G wireless communication equipment, and bank center system.

1. Terminal ATM

Provide terminal customers with various banking services such as deposit and withdrawal, inquiry and transfer.

2. 4G LTE wireless communication equipment 

eTel 4G LTE Industrial Router ET610

  The ET610 4G router networking scheme of Shenzhen eTel Technology Co., Ltd. uses 4G wireless access technology to reduce network construction costs, and can provide safe, efficient and convenient data communication services, fully meeting the communication requirements of the bank's self-service ATM communication network system. The equipment adopts industrial design, with watchdog and remote maintenance function to ensure the reliability of the equipment; At the same time, the equipment has link recovery mechanisms such as automatic reconnection after disconnection, mutual backup of wired WAN/4G networks, and ICMP detection, which can ensure the normal operation of data links. When the 4G network is abnormal, the equipment can switch to the wired network, thus ensuring the reliability of the data transmission link.

3. Bank central system

Responsible for processing various bank data and providing service platform for terminal ATM

system function

1. 3G/4G private network access VPDN/APN:

>>The bank accesses the operator's 3G/4G network through a dedicated line. The private IP address is used for wide-area connection between the interconnection routers of the two sides. The ET610 LTE router and the bank dedicated line are used to establish an encryption tunnel. The operator assigns a dedicated VPDN/APN to the bank, and ordinary users cannot access the VPDN/APN. Only the 3G/4G special network card assigned by the operator can access the VPDN/APN network to prevent other illegal users from entering

>>End-to-end encryption: End-to-end encryption is used between ATM terminals and server platforms to avoid possible information leakage during the entire transmission process.

>>Both parties use a firewall to isolate and filter IP addresses and ports on the firewall.

2. Access to banking system through public VPN:

The bank ATM communication networking scheme is connected to the Etai ET610 LTE industrial router through the terminal ATM through the Ethernet interface. The bank center system can use special lines, ADSL, and other products as network access methods, support VPN (IPSEC/PTTP/L2TP) technology, ensure data security, and support a variety of central segment VPN access devices. For example, CISCO/NETSCREEN/Huawei and other multi-brand and multi-model VPN. ET610 VPN wireless router accesses the Internet through 4G and other wireless networks, and establishes VPN connection with the bank center system, so that the terminal ATM and the bank center system form the same network, and the terminal ATM can directly communicate with the bank center system server. The business data generated by the terminal ATM will be directly transmitted to the bank center system of the central server through the communication channel established by the router and the central server.

System advantages

1. The terminal equipment adopts wireless access mode, which makes the construction simple and fast and reduces the construction cost.

2. The adoption of wireless access has high mobility and is not restricted by regions. It can be installed only in the places covered by wireless signals. It is convenient for networking, making ATM terminals more widely covered in the entire banking system and more convenient for the public.

3. The terminal transmission equipment automatically dials the number when it is powered on, and can also set the online time according to the actual situation, without manual processing, which is suitable for the unattended situation of ATM machines.

4. Support VPDN network, provide system configuration interface and maintenance interface based on WEB, support remote WEB management, and support LINUX and WINDOWS operating systems. Powerful network management function, suitable for industrial applications.

5. Support VPN security tunnel functions, including PPTP, L2TP, GRE and IPSEC.

6. The wireless technology makes the system transmit power very low, the electromagnetic pollution to the environment is very low, the electromagnetic interference to other automation equipment is very low, and the terminal has high sensitivity and wide coverage, which can meet the wireless network requirements of many industries.

application prospect

In recent years, the application of the Internet of Things in various fields has been continuously expanded, and the impact of wireless applications on industry applications has become more and more extensive. Banks use wireless network to build wireless networking systems, and under very safe and reliable networking conditions, establish a banking wireless trading industry system, which will greatly expand the application field of mobile data and further expand the banking industry.

The wireless banking system based on 3G/4G access has really got large-scale application. Provide customers with convenient, simple, comprehensive and safe financial services, and further extend the bank's space and time. Therefore, self-service can help optimize the layout and structure of outlets, form a pattern of mutual coordination and complementarity between self-service network and artificial service network, and improve the coverage of the bank-wide service network; It is helpful to improve the service quality, promote the systematization and integration of banking services, and reflect the operation and service concept of modern commercial banks.

Feature

·           Industrial Design, 7×24h Stable operation

ET610 4G LTE Industrial router is industrial design which built-in watchdog chipset to ensure the system work continuously, Watchdog monitoring the 4G LTE module and CPU all the time, if the module or CPU does not response for long time, system will restart automatically. It is very suitable for long-term continuous work applications.

·           Transparent data transmission

4G LTE Router provides full transparent data transmission channel through RS232 interface it uses for connect different types of PLC, RTU which extend the scope of router application, and better services for users.

·           VPN private network access in

Router support PPTP, L2TP and other protocol virtual private network access in, it also supports tunnel technology, encryption, key management and user identity authentication, guarantee the data transmission security

·           Multiple WiFi work mode

Router supports multiple WiFi work mode, such as AP mode, station mode, repeater mode.

·           Link detection

Router supports multiple way for link detection, include LCP detection, ICMP detection, flow detection and heartbeat detection, ensure the 4G network connect well.

·           Support data trigger online, idle offline

When there is no data transmission, router will automatically offline the 4G LTE network; when there is data request transfer, router will online 4G LTE network immediately. it is maximum save the data flow.

·           IP Video surveillance

4G LTE network provide broad bandwidth, it can be used for video data transmission, just connect IP Camera/DVR, we can remote watch the real-time video in any place.

·           Failover or Backup between WAN and Cellular

4G industrial LTE router supports wired and wireless network backup each other, when the 4G LTE network fault, router can be automatically switch to WAN or WiFi interface for data transmission; when the wired WAN interface fault, router can be automatically switch to 4G LTE interface for data transmission.

·           Dual antenna design

Router 4G LTE part using dual antenna Main / AUX design, WiFi 2.4Ghz also uses dual antenna design, total 4 antennas to ensure signal sensitivity. optional for 5Ghz 802.11ac WIFI dual antenna.