54-591: Expressnet is an interbank network connecting the ATM networks of seven major banks in the Philippines . It has the second-largest number of ATMs (largely due to the vast nationwide presence of Bank of the Philippine Islands Express Teller ATMs) and the smallest number of customers and member banks. However, its strength among the interbank networks and the ubiquity of BPI ATMs have given birth to
108-453: A point of sale through the use of a special EFTPOS terminal where ATM cards are treated as debit cards . The payment card industry (PCI) denotes the debit , credit , prepaid , e-purse , ATM , and POS cards and associated businesses. Major brands used by the above interbank networks list by asset value. In Brazil , the major interbank network is the Banco24Horas network. In
162-737: A protocol stack , often constructed per the OSI model, communications functions are divided up into protocol layers, where each layer leverages the services of the layer below it until the lowest layer controls the hardware that sends information across the media. The use of protocol layering is ubiquitous across the field of computer networking. An important example of a protocol stack is HTTP (the World Wide Web protocol) running over TCP over IP (the Internet protocols) over IEEE 802.11 (the Wi-Fi protocol). This stack
216-499: A diverse set of networking capabilities. The protocols have a flat addressing scheme. They operate mostly at layers 1 and 2 of the OSI model. For example, MAC bridging ( IEEE 802.1D ) deals with the routing of Ethernet packets using a Spanning Tree Protocol . IEEE 802.1Q describes VLANs , and IEEE 802.1X defines a port-based network access control protocol, which forms the basis for the authentication mechanisms used in VLANs (but it
270-440: A large, congested network into an aggregation of smaller, more efficient networks. A router is an internetworking device that forwards packets between networks by processing the addressing or routing information included in the packet. The routing information is often processed in conjunction with the routing table . A router uses its routing table to determine where to forward packets and does not require broadcasting packets which
324-651: A member of Expressnet). Full integration of its current infrastructure to the BancNet system is expected to be completed by mid-2016. Expressnet was founded on February 14, 1986, when the ATMs of Bank of the Philippine Islands (BPI) and its subsidiary, BPI Family Savings Bank, were connected for the first time. The first Expressnet transaction was also conducted that same year. Soon thereafter, in December 1991, Landbank joined
378-615: A memorandum by executives of both networks. In 2008, Expressnet outsourced its ATM operations to BancNet. On January 30, 2015, BancNet and MegaLink announced their merger, switching operations to one entity (Bancnet). Expressnet is known for its Express Payment System (EPS), which was at first the debit card system of the BPI Express Teller ATM card. In 2005, the network expanded to include cardholders of all Landbank E.A.S.Y. ( E xpress A ccess for S avers like Y ou) and Banco de Oro (local and international) ATM cards. Expressnet
432-440: A multi-port bridge. Switches normally have numerous ports, facilitating a star topology for devices, and for cascading additional switches. Bridges and switches operate at the data link layer (layer 2) of the OSI model and bridge traffic between two or more network segments to form a single local network. Both are devices that forward frames of data between ports based on the destination MAC address in each frame. They learn
486-576: A number of ATM networks. Transfers between accounts is also possible by using these networks, even to an account in a different network; all one needs is the Bank code of the destination bank and the account number. There are many Electronic funds transfer interbank networks in Japan. Inter-network banking funds transfer is case-by-case. Yucho is the only network that accepts cards from worldwide networks such as Cirrus and PLUS . BancNet (also spelled Bancnet)
540-453: A repeater hub assists with collision detection and fault isolation for the network. Hubs and repeaters in LANs have been largely obsoleted by modern network switches. Network bridges and network switches are distinct from a hub in that they only forward frames to the ports involved in the communication whereas a hub forwards to all ports. Bridges only have two ports but a switch can be thought of as
594-418: A single failure can cause the network to fail entirely. In general, the more interconnections there are, the more robust the network is; but the more expensive it is to install. Therefore, most network diagrams are arranged by their network topology which is the map of logical interconnections of network hosts. Common topologies are: The physical layout of the nodes in a network may not necessarily reflect
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#1732902274555648-403: A standard voice telephone line. Modems are still commonly used for telephone lines, using a digital subscriber line technology and cable television systems using DOCSIS technology. A firewall is a network device or software for controlling network security and access rules. Firewalls are inserted in connections between secure internal networks and potentially insecure external networks such as
702-877: A transmission medium. Power line communication uses a building's power cabling to transmit data. The following classes of wired technologies are used in computer networking. Network connections can be established wirelessly using radio or other electromagnetic means of communication. The last two cases have a large round-trip delay time , which gives slow two-way communication but does not prevent sending large amounts of information (they can have high throughput). Apart from any physical transmission media, networks are built from additional basic system building blocks, such as network interface controllers , repeaters , hubs , bridges , switches , routers , modems, and firewalls . Any particular piece of equipment will frequently contain multiple building blocks and so may perform multiple functions. A network interface controller (NIC)
756-406: A variety of network topologies . The nodes of a computer network can include personal computers , servers , networking hardware , or other specialized or general-purpose hosts . They are identified by network addresses and may have hostnames . Hostnames serve as memorable labels for the nodes and are rarely changed after initial assignment. Network addresses serve for locating and identifying
810-495: A variety of different sources, primarily to support circuit-switched digital telephony . However, due to its protocol neutrality and transport-oriented features, SONET/SDH also was the obvious choice for transporting Asynchronous Transfer Mode (ATM) frames. Asynchronous Transfer Mode (ATM) is a switching technique for telecommunication networks. It uses asynchronous time-division multiplexing and encodes data into small, fixed-sized cells . This differs from other protocols such as
864-652: A virtual system of links that run on top of the Internet . Overlay networks have been used since the early days of networking, back when computers were connected via telephone lines using modems, even before data networks were developed. The most striking example of an overlay network is the Internet itself. The Internet itself was initially built as an overlay on the telephone network . Even today, each Internet node can communicate with virtually any other through an underlying mesh of sub-networks of wildly different topologies and technologies. Address resolution and routing are
918-519: Is computer hardware that connects the computer to the network media and has the ability to process low-level network information. For example, the NIC may have a connector for plugging in a cable, or an aerial for wireless transmission and reception, and the associated circuitry. In Ethernet networks, each NIC has a unique Media Access Control (MAC) address —usually stored in the controller's permanent memory. To avoid address conflicts between network devices,
972-1130: Is a Philippine-based interbank network connecting the ATM networks of local and offshore banks, and the largest interbank network in the Philippines in terms of the number of member banks and annual transactions. BancNet is also the exclusive gateway of China's UnionPay, allowing access to the nearly 1 billion ATM cardholders from the People's Republic of China. BancNet is allied with global payment brand JCB International. Through this alliance, JCB cardholders can now do cash advances at participating BancNet member ATMs nationwide. Bancnet interconnects with international card networks Diners Club, Discover Card, KFTC, MasterCard, and VISA BancNet serves more than 41 million ATM cardholders of its 114 members and affiliates with over 12,000 ATMs and more than 5,000 POS terminals. In 2008, Expressnet outsourced its ATM operations to BancNet. On January 30, 2015, BancNet and MegaLink announced their merger and will retain itself as its brand. Multibanco
1026-457: Is a member of the network to be used to perform ATM transactions through ATMs that belong to another member of the network. However, the functions which may be performed at the network ATM vary. For example, special services, such as the purchase of mobile phone airtime, may be available to own-bank but not to network ATM cardholders. Furthermore, the network ATM owner may charge a fee for use of network cards (in addition to any fees imposed by
1080-422: Is a virtual network that is built on top of another network. Nodes in the overlay network are connected by virtual or logical links. Each link corresponds to a path, perhaps through many physical links, in the underlying network. The topology of the overlay network may (and often does) differ from that of the underlying one. For example, many peer-to-peer networks are overlay networks. They are organized as nodes of
1134-672: Is also a provider of mobile phone and Internet banking services through the TeleMultibanco and MBNet services, respectively. It is also the provider of the Via Verde electronic toll collection service. Launched under the brand name LankaPay in July 2013, the Common Card and Payment Switch (CCAPS) is the first phase of creating a more robust, efficient, and secure payment infrastructure for Sri Lanka. The Central Bank of Sri Lanka has since approved
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#17329022745551188-553: Is also found in WLANs ) – it is what the home user sees when the user has to enter a "wireless access key". Ethernet is a family of technologies used in wired LANs. It is described by a set of standards together called IEEE 802.3 published by the Institute of Electrical and Electronics Engineers. Wireless LAN based on the IEEE 802.11 standards, also widely known as WLAN or WiFi, is probably
1242-478: Is an electronic device that receives a network signal , cleans it of unnecessary noise and regenerates it. The signal is retransmitted at a higher power level, or to the other side of obstruction so that the signal can cover longer distances without degradation. In most twisted-pair Ethernet configurations, repeaters are required for cable that runs longer than 100 meters. With fiber optics, repeaters can be tens or even hundreds of kilometers apart. Repeaters work on
1296-412: Is inefficient for very big networks. Modems (modulator-demodulator) are used to connect network nodes via wire not originally designed for digital network traffic, or for wireless. To do this one or more carrier signals are modulated by the digital signal to produce an analog signal that can be tailored to give the required properties for transmission. Early modems modulated audio signals sent over
1350-404: Is not sending packets, the link can be filled with packets from other users, and so the cost can be shared, with relatively little interference, provided the link is not overused. Often the route a packet needs to take through a network is not immediately available. In that case, the packet is queued and waits until a link is free. The physical link technologies of packet networks typically limit
1404-431: Is the primary network of the following banks listed below: All Expressnet ATM cardholders and a majority of Expressnet ATMs are connected to MegaLink and BancNet , the other Philippine interbank networks. All Expressnet cardholders can access MegaLink and BancNet-connected ATMs and vice versa. However, not all Expressnet ATMs are linked to MegaLink and BancNet. Prominent examples of this include Landbank and HSBC, but
1458-547: Is the single unified interbank network in Portugal, that links the ATMs of all Portuguese banks. This network has existed since 1985 and is owned by SIBS ( Sociedade Interbancária de Serviços ). Multibanco is a fully integrated interbank network and offers many more services than those usually found in other countries' networks. Multibanco also has a full-fledged EFTPOS network, the Multibanco Automatic Payment, and
1512-459: Is used between the wireless router and the home user's personal computer when the user is surfing the web. There are many communication protocols, a few of which are described below. The Internet protocol suite , also called TCP/IP, is the foundation of all modern networking. It offers connection-less and connection-oriented services over an inherently unreliable network traversed by datagram transmission using Internet protocol (IP). At its core,
1566-609: The Caribbean , the major interbank network is the ATH network. Most banks issue dual ATH and MasterCard/Visa cards, using the ATH network for ATM transactions and MasterCard/Visa for EFTPOS transactions. Some banks (such as BanReservas) issue ATH-only cards which use the ATH network for both ATM and EFTPOS transactions. In Germany Girocard interbank network provides debit card service connecting virtually all German ATMs and banks. In Indonesia, there are
1620-457: The Institute of Electrical and Electronics Engineers (IEEE) maintains and administers MAC address uniqueness. The size of an Ethernet MAC address is six octets . The three most significant octets are reserved to identify NIC manufacturers. These manufacturers, using only their assigned prefixes, uniquely assign the three least-significant octets of every Ethernet interface they produce. A repeater
1674-470: The World Wide Web , digital video and audio , shared use of application and storage servers , printers and fax machines , and use of email and instant messaging applications. Computer networking may be considered a branch of computer science , computer engineering , and telecommunications , since it relies on the theoretical and practical application of the related disciplines. Computer networking
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1728-572: The BPI group and Banco de Oro are accessible to MegaLink cardholders. An agreement was signed though between BancNet and Expressnet to interconnect. The first bank to make such an announcement about the BancNet-Expressnet tie-up was Chinabank , of which its sister bank, Banco de Oro, is a member of Expressnet. Internationally, Expressnet cardholders (excluding Landbank and local BPI and Banco de Oro cardholders) are connected to Maestro and Cirrus in
1782-514: The CCAPS as Sri Lanka's "National Payment Switch". Due to the historically fragmented nature of banking in the United States, there have been a large number of small banks, which resulted in a number of different interbank networks being established, mostly along geographic lines. These started to consolidate from the mid 1980s, resulting in three major interbank networks which, by 2003, had over 70% of
1836-566: The Expressnet motto : "The Powerful Connection". At present, Expressnet has 3.5 million customers and has 2,213 ATMs operating 24 hours a day. It has been reported that lock, stock and barrel of Expressnet has been purchased by rival interbank network BancNet . The Expressnet brand is slowly being retired as a result, and recent BPI promotional collateral no longer shows Expressnet info and membership, particularly in their new releases of BPI Express Teller cards (where BPI no longer lists itself as
1890-440: The Internet protocol suite or Ethernet that use variable-sized packets or frames . ATM has similarities with both circuit and packet switched networking. This makes it a good choice for a network that must handle both traditional high-throughput data traffic, and real-time, low-latency content such as voice and video. ATM uses a connection-oriented model in which a virtual circuit must be established between two endpoints before
1944-574: The Internet. Firewalls are typically configured to reject access requests from unrecognized sources while allowing actions from recognized ones. The vital role firewalls play in network security grows in parallel with the constant increase in cyber attacks . A communication protocol is a set of rules for exchanging information over a network. Communication protocols have various characteristics. They may be connection-oriented or connectionless , they may use circuit mode or packet switching, and they may use hierarchical addressing or flat addressing. In
1998-627: The actual data exchange begins. ATM still plays a role in the last mile , which is the connection between an Internet service provider and the home user. There are a number of different digital cellular standards, including: Global System for Mobile Communications (GSM), General Packet Radio Service (GPRS), cdmaOne , CDMA2000 , Evolution-Data Optimized (EV-DO), Enhanced Data Rates for GSM Evolution (EDGE), Universal Mobile Telecommunications System (UMTS), Digital Enhanced Cordless Telecommunications (DECT), Digital AMPS (IS-136/TDMA), and Integrated Digital Enhanced Network (iDEN). Routing
2052-468: The association of physical ports to MAC addresses by examining the source addresses of received frames and only forward the frame when necessary. If an unknown destination MAC is targeted, the device broadcasts the request to all ports except the source, and discovers the location from the reply. Bridges and switches divide the network's collision domain but maintain a single broadcast domain. Network segmentation through bridging and switching helps break down
2106-414: The cases of BPI and Banco de Oro and PLUS . Expressnet ATMs link to the same with BDO ATMs also providing access to American Express , Japan Credit Bureau (JCB), Mastercard , Visa and Visa Electron cardholders. Interbank network An interbank network , also known as an ATM consortium or ATM network , is a computer network that enables ATM cards issued by a financial institution that
2160-735: The consortium, followed by HSBC Philippines in February 1992. Banco de Oro joined in April 1995, BPI Direct Savings Bank (a BPI subsidiary), joined in 2000 and HSBC Savings Bank, an HSBC subsidiary, became the latest Expressnet member on April 1, 2001. Expressnet and another Philippine interbank network, MegaLink , formed an alliance on May 6, 1997, with the main ceremony held at Ayala Center . This meant that 2.3 million Expressnet cardholders could use their cards with MegaLink ATMs, and 2.7 million MegaLink cardholders could use their cards with Expressnet ATMs. On July 13, 2005, Expressnet and BancNet signed
2214-665: The literature as the physical medium ) used to link devices to form a computer network include electrical cable , optical fiber , and free space. In the OSI model , the software to handle the media is defined at layers 1 and 2 — the physical layer and the data link layer. A widely adopted family that uses copper and fiber media in local area network (LAN) technology are collectively known as Ethernet. The media and protocol standards that enable communication between networked devices over Ethernet are defined by IEEE 802.3 . Wireless LAN standards use radio waves , others use infrared signals as
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2268-665: The means that allow mapping of a fully connected IP overlay network to its underlying network. Another example of an overlay network is a distributed hash table , which maps keys to nodes in the network. In this case, the underlying network is an IP network, and the overlay network is a table (actually a map ) indexed by keys. Overlay networks have also been proposed as a way to improve Internet routing, such as through quality of service guarantees achieve higher-quality streaming media . Previous proposals such as IntServ , DiffServ , and IP multicast have not seen wide acceptance largely because they require modification of all routers in
2322-415: The most well-known member of the IEEE 802 protocol family for home users today. IEEE 802.11 shares many properties with wired Ethernet. Synchronous optical networking (SONET) and Synchronous Digital Hierarchy (SDH) are standardized multiplexing protocols that transfer multiple digital bit streams over optical fiber using lasers. They were originally designed to transport circuit mode communications from
2376-412: The network needs to deliver the user data, for example, source and destination network addresses , error detection codes, and sequencing information. Typically, control information is found in packet headers and trailers , with payload data in between. With packets, the bandwidth of the transmission medium can be better shared among users than if the network were circuit switched . When one user
2430-420: The network topology. As an example, with FDDI , the network topology is a ring, but the physical topology is often a star, because all neighboring connections can be routed via a central physical location. Physical layout is not completely irrelevant, however, as common ducting and equipment locations can represent single points of failure due to issues like fires, power failures and flooding. An overlay network
2484-729: The network. On the other hand, an overlay network can be incrementally deployed on end-hosts running the overlay protocol software, without cooperation from Internet service providers . The overlay network has no control over how packets are routed in the underlying network between two overlay nodes, but it can control, for example, the sequence of overlay nodes that a message traverses before it reaches its destination . For example, Akamai Technologies manages an overlay network that provides reliable, efficient content delivery (a kind of multicast ). Academic research includes end system multicast, resilient routing and quality of service studies, among others. The transmission media (often referred to in
2538-486: The nodes by communication protocols such as the Internet Protocol . Computer networks may be classified by many criteria, including the transmission medium used to carry signals, bandwidth , communications protocols to organize network traffic , the network size, the topology, traffic control mechanisms, and organizational intent. Computer networks support many applications and services , such as access to
2592-402: The own-bank). Interbank networks enable ATM cardholders to have access to ATMs of other banks that are members of the network when their own bank's ATM is unavailable. This is especially convenient for travelers traveling abroad, where multinational interbank networks, like Plus or Cirrus , are widely available. Interbank networks also permit, through different means, the use of ATM cards at
2646-515: The physical layer of the OSI model but still require a small amount of time to regenerate the signal. This can cause a propagation delay that affects network performance and may affect proper function. As a result, many network architectures limit the number of repeaters used in a network, e.g., the Ethernet 5-4-3 rule . An Ethernet repeater with multiple ports is known as an Ethernet hub . In addition to reconditioning and distributing network signals,
2700-456: The protocol suite defines the addressing, identification, and routing specifications for Internet Protocol Version 4 (IPv4) and for IPv6 , the next generation of the protocol with a much enlarged addressing capability. The Internet protocol suite is the defining set of protocols for the Internet. IEEE 802 is a family of IEEE standards dealing with local area networks and metropolitan area networks. The complete IEEE 802 protocol suite provides
2754-515: The sharing of files and information, giving authorized users access to data stored on other computers. Distributed computing leverages resources from multiple computers across a network to perform tasks collaboratively. Most modern computer networks use protocols based on packet-mode transmission. A network packet is a formatted unit of data carried by a packet-switched network . Packets consist of two types of data: control information and user data (payload). The control information provides data
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#17329022745552808-493: The size of packets to a certain maximum transmission unit (MTU). A longer message may be fragmented before it is transferred and once the packets arrive, they are reassembled to construct the original message. The physical or geographic locations of network nodes and links generally have relatively little effect on a network, but the topology of interconnections of a network can significantly affect its throughput and reliability. With many technologies, such as bus or star networks,
2862-585: The volume in the United States: 2003 saw the founding of two additional interbank ATM networks: Computer networking A computer network is a set of computers sharing resources located on or provided by network nodes . Computers use common communication protocols over digital interconnections to communicate with each other. These interconnections are made up of telecommunication network technologies based on physically wired, optical , and wireless radio-frequency methods that may be arranged in
2916-462: Was influenced by a wide array of technological developments and historical milestones. Computer networks enhance how users communicate with each other by using various electronic methods like email, instant messaging, online chat, voice and video calls, and video conferencing. Networks also enable the sharing of computing resources. For example, a user can print a document on a shared printer or use shared storage devices. Additionally, networks allow for
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