Common application layer transaction protocols, such as Diebold 91x
(911 or 912) and NCR NDC or NDC+ provide emulation of older
generations of hardware on newer platforms with incremental extensions
made over time to address new capabilities, although companies like
NCR continuously improve these protocols issuing newer versions (e.g.
NCR's AANDC v3.x.y, where x.y are subversions). Most major ATM
manufacturers provide software packages that implement these
protocols. Newer protocols such as IFX have yet to find wide
acceptance by transaction processors.[62]
根据the wikipedia page
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