General Glossary

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AII-in-one touch terminal

Systems, which combine the basic ATM system with the peripherals in one single terminal. These systems are activated through a touch screen monitor.

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Application software

Software programs or software program packages which permit users to perform certain applications. In connection with the banking business, this means software used for operating the self-service systems, sometimes in connection with the server systems, required to operate the automated teller machines. The "ProClassic" software refers to an open system architecture, which was specifically developed by Wincor Nixdorf and conceptualized for this use.

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Automated teller machine (ATM)

An automated machine for withdrawing cash from an account using a debit or credit card. ATMs include both monofunctional systems and multifunctional systems, which permit additional functions such as the deposit of cash or the processing of checks.

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Banking (segment)

Development, production, logistics, marketing and sales of self service and automated solutions and other products, together with software solutions and services for Wincor Nixdorf's banking customers.

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Business Process Monitoring Center

System for checking operating statuses within ATM networks.

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Carve-out

The separation of a business division or other defined business unit from a company, a group of companies or a conglomerate.

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Cash deposit system

Automated machines used for depositing banknotes or securely withdrawing banknotes in an envelope.

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Cash Managemen

Managing the flows of cash within a store or bank branch.

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Cash recycling system

Automated teller machine, in which deposited banknotes are verified for authenticity then dispensed again.

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Cash solutions

Cash Solutions include equipment and systems for dispensing or depositing cash as well as combined cash recycling systems for self-service and serviced teller/cashier use.

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Category Management

A method for optimizing product ranges and pricing, enabling manufacturers and retailers to respond more quickly to trends and plan their logistics more efficiently.

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CCDM, Cash/Check Deposit Module

Modules automating the process of accepting and identifying banknotes and checks.

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Checkout Systems

Systems, made up of hardware and software, used for the process of scanning and payment of goods in retail outlets.

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Distribution channels

Distribution channels (or sometimes, sales channels) are the various channels of communication open to customers. Offering products and services through a number of different distribution channels is often referred to as multichannel distribution (see also Multi-channel).

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Electronic Funds Transfer (EFT)

Electronic handling of cashless card payments.

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Electronic Point-of-Sale System (EPOS)

EPOS systems refer to all types of point of sale systems functioning on an electronic basis.

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Electronic shelf label

Electronic labels (or displays) used on the store shelves in the retail industry. This technology uses radio signals to automatically ensure that the current price entered in the computer system of the local store, which is linked to the automated scanner-supported cash register, accurately reflects the price of the goods as displayed on the shelf.

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Embedded Software

The term for a software program which runs inside technical equipment but is almost completely unnoticeable to the user.

EMV

EMV describes a specification for payment cards equipped with processor chips and for the associated chip card equipment (ePOS systems and ATMs). The letters EMV stand for the three companies which developed the standard: Europay, MasterCard and VISA.

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End User Help Desk

The central point of contact for everyday matters between service providers and users, including fault reporting and placing of service instructions.

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Enterprise Resource Planning (ERP)

The management task of scheduling resources available within an enterprise as efficiently as possible for business processes and activities. The ERP process is often supported by complex ERP systems (software).

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Front-office Automation

Automation of counter processes (teller processes) within a bank branch, e.g. migrating cash withdrawals to automated teller machines.

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High-End products/providers

High quality, complex systems with relatively extensive functionality, or the providers of such systems

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Information terminal

An information platform that supplies comprehensive information (e.g., concerning the products of a retail store, ranging from the production and additives, the relevant sales price and exact location on the store shelves, to an overview of similar articles).

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Image recognition processes

Image recognition processes are procedures for identifying objects, whereby images are first recorded using camera systems and then subsequently digitally processed (image processing) on a computer. This process allows objects to be distinguished on the basis of certain characteristic features such as form, color, etc.

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Integration software program

Software, which links dispersed processes or data to one another

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Intelligent deposit

A function of ATMs, which permits checks, remittance forms and cash to be deposited and processed using a single, common terminal

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Internet (Online) banking

Banking transactions (e.g., wire transfers or standing orders), which can be executed directly online using such tools as PCs and modems.

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ISO - Independent Sales Organization

Provider (other than a bank) of ATM services at off-premises locations such as supermarkets, etc.

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Kiosk terminals

Computer-supported, network-compatible information and interactive systems, with which mostly transient and often unidentified users download multimedia information or execute transactions (usually while standing) in a relatively short period of time. The applications are controlled primarily through intuitive and easy-to-use touch screens. Sound cards, card scanners, (ticket) printers, motion sensors or scent cartridges (Duftkartuschen) can be integrated into the Kiosk Systems as additional components and used to upgrade their range of use.

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Low-end device

Simple-structure systems with simple functions or limited functionality

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Mechatronics

Artificial word composed of mechanics and electronics; Inter-disciplinary area of engineering science, which is based on mechanical engineering, electronics and information science. Mechatronics is concerned with the development of mechanical-electronic systems, which to some extent are driven by artificial intelligence and robotic capabilities.

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Memoria fiscale - Data saving mechanism

Under this data back-up mechanism, which some national governments mandate for EPOS systems, tax-relevant data must be stored safely and indelibly in order to allow the tax authorities to review the EPOS cash registering systems. These laws and regulations are very different from country to country and relate to the entire system environment of an EPOS cash registration system (hardware, operating system software, applications, users, installation and maintenance phases).

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Middleware

Middleware is the term used for software which acts as a go-between between two software programs, i.e. between applications running on self-service systems and applications running on back-office systems.

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Multi-channel

The multi-channel principle allows transactions executed using various distribution or sales channels, such as counter, Internet or ATM transactions, to be settled and managed through a single standard system, in some cases using identical applications and databases.

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Multifunctional terminal

Devices that, unlike monofunctional devices, have more than one function: e.g., multifunctional cash systems, which permit not only cash withdrawals but also cash deposits.

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Multi-vendor

Under the multi-vendor principle, the products of one supplier can be combined with the products of another supplier, or the products of a third party supplier that are already installed in a customer's system may be integrated into a specific software architecture. Multi-vendor software, hardware and service can be viewed as separate items.

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Net-centric Software

In the case of applications designed around this principle, the entire software required to run equipment is no longer installed on the client systems, ATMs or ePOS systems, but rather on a central server.

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OEM (Original Equipment Manufacturer) customers

OEMs are manufacturers of products, which are sold by other manufacturers, often under the latter's own trademarks. Wincor Nixdorf defines Original Equipment Manufacturers (OEM) customers as those customers who purchase products or product components from Wincor Nixdorf, integrate these products directly into their own products without making changes, and then sell the final integrated package to the end users.

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Off-premises machines

Machines such as ATMs, which are installed outside bank branches or the immediate vicinity thereof

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One-stop-shopping concept

Describes a business concept of offering customers complete solutions. In one-stop-shopping arrangements, customers are served by a single primary contact person.

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Open system architectures

Systems of distributed hardware and software modules with standard interfaces or standard software components, which allow the products of one supplier to be easily combined with the products of another supplier.

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Outdoor Payment Terminal (OPT)

A self-service system located right next to the petrol/gas pump allowing customers to conduct the payment process themselves.

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Outsourcing

Refers to delegating operational functions and duties to outside suppliers. See also process optimization (in the case of branches/outlets).

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Peripherals

Input and output devices, which are connected to a machine or system such as an EPOS system. Examples are screens, keyboards, printers, scanners, card scanning devices and cash drawers.

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Programmable EPOS-System

Programmable Electronic point-of-sale system

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Radio Frequency Identification (RFID)

Unlike a barcode, RFID technology is a wireless communication technology that communicates using radio signals and could one day replace the barcode. The information stored on transponders is emitted through radio signals and then read using special decoders. The retail industry expects this new technology to produce great costcutting benefits in logistics and IT solutions, particularly in application areas such as EPOS (checkout), store management, inventory, inventory tracking (out of stock), article surveillance and company resource management

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Replacements

Replacement of equipment and devices at the end of their respective life cycle or as a result of key technological advances or upgrades.

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Remote Monitoring

Monitoring of customer's terminals from a remote location.

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Retail (segment)

Development, production, logistics, marketing and sale of hardware products, together with software solutions and other services for Wincor Nixdorf's retail customers.

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Reverse vending machine systems

Systems for automatically accepting empty containers such as bottles, cans or beverage crates ("Automated Recycling Machine"). These machines are installed primarily in grocery stores and serve to optimize processes.

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Roll-out

Process of implementing new technologies, products or applications; in other words, the launch for final use and consumption.

Alternatively, it can also mean large scale installation projects (in this case, for example, of EPOS systems or ATMs) in branch offices or stores under a stipulated project timetable.

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Self-checkout

This checkout procedure is executed at the checkout counter without any cashier. The customer scans the products and pays for them at the machine using cash or a debit or credit card. The customer performs the scanning and payment procedure himself. The goal here is to achieve a higher level of customer satisfaction and a reduction in processing costs.

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Self-service products

Equipment or devices which permit consumers or bank customers to execute transactions without the assistance of service or sales personnel or banking staff. Self-service products are, for example, ATMs, self-checkout systems or kiosk terminals.

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Software solutions

This phrase generally refers to a software solution, which was tailored to a customer's individual needs, consists of one or more software products, and is integrated into the customer's environment. The package is capable of supporting and/or steering complete processes.

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Supply-chain integration

The supply-chain integration principle refers to an enhanced integration of the logistics systems of companies, customers and suppliers with the goal of achieving general optimization of the value creation chain.

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TCO, Total Cost of Ownership

The total costs of a product or service, including all direct and indirect costs (incl. resultant consequential costs).

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Transaction terminal

See "Kiosk terminal".

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Upgrade

Upgrade (improved version) means adding significant new components to existing software or hardware, which results in improved performance.

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