近年来，物联网的应用各个领域的应用不断地扩展开来，5G/4G无线应用对行业应用的影响也越来越广泛，银行采用5G/4G无线网络方式构建无线组网系统，在非常安全可靠的组网条件下，建立起银行无线交易行业系统，这将会大大拓展了移动数据应用领域和银行业的进一步扩展。
随着中国金融领域的竞争加剧，各大银行纷纷转为以服务为中心，提供各种增值服务及各种随着国家经济的飞速发展及银行业竞争的不断加剧，传统的金融业务呈现出多元化的发展模式，除了传统的银行营业部，自助银行服务越来越多，ＡＴＭ，网上银行、电话银行、移动银行等各种新兴自助金融业务悄然兴起，现在已经发展到安装到商业繁华街道、购物广场、商业写字楼、住宅小区、机场、码头、工厂、学校等场合种种迹象都预示着我国金融行业正在朝国际化方向发展，创新服务模式成为了必然趋势。
现有ATM终端多数采用有线网络接入方式，这种接入方式，使自助设备受有线网络覆盖面的影响，只能设置在金融机构营业网点和大型商业机构内部，束缚了服务模式，削弱了自助设备的便捷、方便的特点，无法实现利用自助交易方式扩大营业网点业务覆盖面的初衷。然而，无线网络不受网络物理因素的影响，金融机构可以将自助服务设备布设到无线网络覆盖的任何地方，能够有效的扩大业务覆盖面，从而为提高业务交易量提供良好的网络平台。
金融自助终端在实际部署中面临以下问题：
1、 接入困难
ATM安装到商业繁华街道、购物广场、商业写字楼、住宅小区、机场、码头、工厂、学校等场合等人流量交大的场合，这些地方要进行建光缆过程非常困难，不仅要经过市政审批还要经过物业审批，同时也会影响所经路线的正常工作因此会受到多方面阻力。
2、成本高
在繁华街道施工布线后还要回复道路原貌不仅实时困难、费用也高。
3、实施周期长
光缆施工、专线电路不但受市政、物业影响也会受到天气等不可逆因素影响。
4、搬迁难度高
ATM机一旦布置完成后若有突发状况需要进行搬迁，那么就会涉及到一系列的审批、规划、施工等问题，搬迁周期长。
ATM wireless networking system topology diagram
The bank ATM wireless communication networking program connects the terminal ATM machine with an industrial wireless router through an Ethernet interface. The bank center system can use dedicated lines, ADSL, etc. as the network access method. Baima Technology BMR400 industrial wireless router accesses the Internet through 4G wireless network, and establishes a VPN connection with the bank center system, so that the terminal ATM machine and the bank center system form the same network, and the terminal ATM machine can directly communicate with the bank center system server. The business data generated by the terminal ATM machine will be directly transmitted to the bank center system of the center server through the communication channel established by the router and the center server. The whole system consists of three parts: terminal ATM machine, wireless communication equipment, and bank center system.
1. Terminal ATM
Provide terminal customers with various banking services such as deposits and withdrawals, inquiries, and transfers.
2. Wireless communication equipment
The Baima BMR400 industrial wireless router networking solution uses 4G wireless access technology to reduce network construction costs, and can provide safe, efficient and convenient data communication services, and fully meet the communication requirements of the bank's self-service ATM communication network system. The equipment adopts industrial-grade design, comes with watchdog and remote maintenance functions to ensure the reliability of the equipment; at the same time, the equipment has automatic reconnection of disconnection, WAN port flow detection, ICMP detection and other link recovery mechanisms to ensure the data link The road is normal.
3. Bank Center System
Responsible for processing various bank data and provide service platform for terminal ATM
ATM wireless networking system function
1. 5G/4G private network access VPDN/APN:
>>The bank accesses the operator's 5G/4G network through a dedicated line, and uses private IP addresses for wide-area connections between the interconnected routers of the two parties, and establishes an encrypted tunnel between the Baima BMR400 industrial wireless router and the bank's dedicated line. The operator allocates a dedicated VPDN/APN for the bank, and ordinary users cannot enter the VPDN/APN. Only the 3G/4G dedicated network card allocated by the operator can enter the VPDN/APN network to prevent other illegal users from entering.
>>End-to-end encryption: End-to-end encryption is used between the ATM terminal and the server platform to avoid possible leakage of information during the entire transmission process.
>> The two parties use firewalls to isolate, and perform IP address and port filtering on the firewall.
2. Access the banking system through public network VPN:
The bank ATM communication networking solution is connected to the Baima BMR400 industrial wireless router through the terminal ATM machine through the Ethernet interface. The bank center system can use dedicated lines, ADSL, etc. as network access products, and support VPN (IPSEC/PPTP/L2TP) technology to ensure Data security, in addition, it supports a variety of central segment VPN access devices. Such as: CISCO/NETSCREEN/Huawei and other multi-brand and multi-model VPN. Industrial wireless routers access the Internet through 4G and other wireless networks, and establish a VPN connection with the bank center system, so that the terminal ATM machine and the bank center system form the same network, and the terminal ATM machine can directly communicate with the bank center system server. The business data generated by the terminal ATM machine will be directly transmitted to the bank center system of the center server through the communication channel established by the Baima Industrial 5G/4G wireless 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 use of wireless access has high mobility and is not restricted by region. It can be installed only where the wireless signal is covered, and the networking is convenient, making the ATM terminal wider in the entire banking system and more convenient for the public.
3. The terminal transmission equipment automatically dials when it is powered on, and the online time can also be set according to the actual situation, without manual processing, suitable for unattended ATM machines.
4. Support VPDN network, provide WEB-based system configuration interface and maintenance interface, support remote WEB management, and support LINUX and WINDOWS operating systems. Powerful network management functions are suitable for industry 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 large coverage, which can meet the wireless network requirements of many industries.
The bank ATM wireless communication networking solution based on 5G/4G wireless communication, and the wireless banking based on 5G/4G access has truly been applied on a large scale. Provide customers with convenient, simple, comprehensive and safe financial services, further extending the space and time of the bank. Therefore, it can be said that self-service can help optimize the layout and structure of outlets, form a pattern in which self-service network and manual service network coordinate and complement each other, increase the coverage of the whole bank’s service network; help improve service quality and promote bank services The systematization and integration reflects the business and service concept of modern commercial banks.