Florida's BIZ SENSE by yourDragonXi Δ 21th of February 2016 Ω 6:03 PM

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~ Florida Today ~ ENERGY ~ Florida Energy & Climate Commission	~ FIS ~ netclearance systems ~ sense for Ξ	~ sense for Ξ ~ sense for Ξ ~ sense for Ξ
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«U.S. BIZ Sensing	Θ	Θ
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~ Florida Today

»Florida Today

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~ ENERGY

Recovery Act Spending
Weatherization
$175,984,474

State Energy Program $126,089,000
Energy Efficiency and Conservation Block Grant Program $168,643,400

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Total $470,716,874

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~ Florida Energy & Climate Commission

»Florida Energy Climate Commission

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~ FIS

»FIS

Headless/cardless ATM machines with Smart Phones

"cardless" automatic teller machine (ATM) is gaining ground in the US and around the world,
with smartphone technology allowing for speedier and more secure transactions

Dozens of US banks are installing new ATMs or
updating existing ones to allow customers to order cash on a mobile application and
then scan a code to get their money without having to insert a bank card

US banking giants Wells Fargo, Bank of America and Chase
are in the process of deploying the new ATMs,
as are a number of regional banks and financial groups around the world.

Makers of ATMs and financial software groups are ramping up to meet this demand.

"We think our model (using smartphones) reduces a lot of vulnerabilities," said Doug Brown,
who leads mobile technology for FIS Global, a major provider of software and technology for ATMs.

Brown said the FIS cardless system is being used at some 2,000 ATMs
operated by at least 28 banks in the United States "and we're looking to rapidly expand that."

He said the system should be operational at some 80,000 machines in North America over the coming 18 months.
And similar changes are coming in other countries, according to Brown.

In addition to speeding the transaction time,
the smartphone-based system aims to curb the growing problem of "skimming"
in which criminals steal the data on a card, often by inserting devices into the ATM card slot.

By some estimates, skimming cost the global banking industry some 2 billion in 2015 and
can lead to other kinds of fraud when card data is stolen.

"Consumers are aware of this, they really understand and welcome this," Brown said.

Another security benefit, Brown said, is that
authenticating on the handset reduces the time spent at the ATM
to around 10 seconds instead of the typical 30 to 40 seconds

"The performance is kind shocking to some people,
they almost jump back at the instantaneous response," Brown said.

"But it provides more physical security because they can make the transaction faster."

Bank of America spokeswoman Betty Riess said the group is
"currently deveoping a new cardless ATM solution" based on NFC
or near field communication technology to allow customers to authenticate without the use of a card.

"We'll roll out this capability in late February
to associates in select ATMs in Silicon Valley, San Francisco, Charlotte, New York and Boston."
Riess said. "It will be followed by a broader customer launch mid-year."

Chase said it is planning a similar rollout sometime this year.

"When we first roll this out,
customers will be able to request an access code
through the Chase mobile app and
enter it at the ATM to do their transactions," said Chase spokesman Michael Fusco.

"Later on, they will be able to use their digital mobile wallet to complete the transaction at the ATM."

Wells Fargo is also on board,
developing ATMs that will allow customers to use their smartphones
to obtain an eight-digit token to authorize a cash withdrawal.

The Wells Fargo system will support Android Pay,
"and we'll continue to evaluate additional wallets," said spokesman Kristopher Dahl.

Chicago-based BMO Harris, an affiliate of Bank of Montreal,
began using smartphone technology at its 750 ATMs last March.

Some of the new technologies will require only a software update to the ATM,
while others will need new hardware.

ATM manufacturer Diebold is testing a "headless" teller machine,
without a screen or keypad, which dispenses cash from interaction on the smartphone.

"What we are saying with this is
forget the card reader,
forget the PIN pad,
we all have these devices in our pockets,"
said Dave Kuchenski, Diebold's senior business development manager for new technology.

Customers need only verify their identity,
which can be done with the device's fingerprint reader, or
possibly with an iris scanner on the ATM.

While some existing Diebold ATMs can work with mobile applications,
Kuchenski said the new concept, in testing with Citibank and others,
could provide "a better user experience."

"We don't have to walk through the same process
which we have had since the ATM has existed," he said.

"If we're using a mobile phone,
we no longer have the need for a card,
we no longer have a need for a receipt printer,
we've dematerialized a lot of the devices.

Banks like this, because it has fewer moving parts,
so it reduces the total cost of ownership."

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~ netclearance systems

»netclearance systems

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Mobile payment
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