Plastic cards are soon to become a relic as they get replaced by smartphones: commercial banks are introducing new concepts of automated teller machines that require only a smartphone to withdraw cash from your account.


Current cardless access solutions lack a reliable proximity certification layer. NFC, QR code, and BLE beacon systems rely on a paradigm that cannot guarantee that the user is physically in front of the ATM. These systems only presume the proximity of the smartphone to the ATM by means of a passive peripheral, a bar code, or a tag, which are very easy to replicate and pose a security threat.


Our core proximity technology combines Bluetooth and the cloud in a unique new way to provide accurate, secure, and cross­-platform proximity certification for cardless access to ATMs. Provisioning model consists of SDKs and/or access to API and cloud/on­-premise hosting.


  • No false positives – ProxToMe provides the capability of highly accurate and tunable discovery, thus being the ideal technology to handle high­-density scenarios like multiple users in line at an ATM or multiple ATMs in a row.
  • Cross-­platform – In simple words, ProxToMe delivers an NFC­like experience across any platform, leveraging Bluetooth.
  • Secure – We do proximity, that’s it. We use Bluetooth only as the first step in discovery, but then all pairing and communication is done in the cloud. We don’t pass any data over Bluetooth or use it to pair devices. We don’t process transactional data or store sensitive information. We DO follow security standards for data encryption and generate one­-time passwords on each device every time a mobile user engages with an ATM.
  • Accessible – You’ve probably never thought of this, but Bluetooth is the most accessible micro-­proximity technology that gives you more control over a number of side cases where NFC and QR codes just don’t work.