For over a decade, the IFX Forum built upon its service-based architecture and business-first content, maintaining backwards compatibility throughout. As SOA principles matured industry-wide and important design patterns within the standard became clearer, IFX Forum members made the important determination in 2007 that it was time to break with backwards compatibility architecturally, while maintaining a decade’s worth of valuable content development. More than a year of careful analysis and thoughtful design effort following that decision led to the introduction of Version 2.
Version 2 is an architecturally improved version of the IFX Business Message Specification (BMS), including refined adaptation to SOA, a consistently applied object model and important new content. IFX Version 2 continues the Forum’s commitment to a business-first, service-oriented approach to standards development. It deals with shortcomings in Version 1 that could only be effectively addressed by breaking backward compatibility.
The IFX Forum recognizes that stability in a standard is imperative; therefore, support for IFX Version 1 will continue for the foreseeable future, including enhancements and additional content driven by the Working Groups.
Version 1.9 is an enhancement release of the IFX Business Message Specification (BMS), Version 1. Honoring the Forum’s commitment to continued support for IFX Version 1 after the launch of Version 2, the new version’s enhancements focus on ATM implementations and compliance with the PCI Data Security Standard (DSS). Operational improvements and some corrections to existing material were also made.
Support for devices that can operate in multiple modes (i.e., clerk/teller-operated vs. customer-operated, depending on the time of day), allowing more dynamic interaction between the terminal and the server:
- Message extension that allows a device to customize operations based on the services a customer is enrolled in, such as mortgage, investment, etc.
- Europe-focused ATM enhancements, such as support for local security requirements that exceed those covered by the common industry security standards, and support for Germany’s Modular Merkmal (MM) card security token
- Removal of any sensitive authentication data, as defined by the PCI DSS, from consumer-initiated Reverse and Modify messages applicable across all IFX implementations
- Support for ATM overdraft notification to customers.
- Enhancements to ATM cash dispensing and check processing modules
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