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E-commerce first appeared in simple ATM transactions more than 30 years ago.  Since then, other huge national and international systems, such as the Point-of-Sale (POS) and Automated Clearing House (ACH) networks, have been developed to enable the movement of funds to and from consumers, businesses and institutions.  The private nature of these giant networks and their restricted functionality forms a stark contrast to the open architecture and unlimited reach of the Internet.

Cash Technologies’ patent pending EMMA platform bridges the communication gap between these global networks, seamlessly routing and translating messages between the world’s financial networks and the Internet for the first time.  EMMA’s architecture exposes the methods and resources to permit an unlimited variety of transaction types to be built quickly by software developers in retail and business-to-business (B2B)  environments.

EMMA’s support for the new class of multifunction ATMs, POS terminals and wireless devices will provide e-commerce access to millions of people while traveling, shopping or to those who just don't use or have access to a PC (see ATM-X).  In addition, EMMA’s unique ability to manage financial information and traditional payment data simultaneously will bring new capabilities to B2B Electronic Data Interchange (EDI) applications.

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