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Page "Bank of the Philippine Islands" ¶ 108
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Expressnet and BPI
* Expressnet is also known for its Express Payment System ( EPS ), which was at first the debit card system of the BPI Express Teller ATM card.
However, its strength among the interbank networks and the ubiquity of BPI ATMs have given birth to the Expressnet motto: " The Powerful Connection ".
Expressnet was founded on February 14, 1986, when the ATMs of Bank of the Philippine Islands ( BPI ) and its subsidiary, BPI Family Savings Bank, the founders of Expressnet, were connected for the first time.
Banco de Oro joined in April 1995, BPI Direct Savings Bank, another BPI subsidiary, joined in 2000, and HSBC Savings Bank, a subsidiary of HSBC, became the latest Expressnet member on April 1, 2001.
Expressnet is also known for its Express Payment System ( EPS ), which was at first the debit card system of the BPI Express Teller ATM card.

Expressnet and ATM
* Express Payment System, the EFTPOS system for ATM cardholders of banks who are affiliated with the Expressnet interbank network in the Philippines
The system eventually evolved into the Expressnet ATM consortium, which has seven members
Expressnet is an interbank network connecting the ATM networks of seven major banks in the Philippines.
At present, all Expressnet ATMs advertise full connectivity with BancNet ATM cards & that BancNet currently maintains Expressnet's facilities.
* Banco de Oro is the first Philippine bank to be a member of the three leading ATM Networks Expressnet ( The Original BDO ATM Network ; the 1st BDO ATM network ), Megalink ( the Equitable ATM Network ; the 2nd BDO ATM network ) and BancNet ( the PCIBank ATM network ; 3rd BDO ATM network ).
* Expressnet ( The Original BDO ATM Network ; the 1st BDO ATM network )
* Expressnet ( The BDO ATM Network )
* 1997 MegaLink interconnected with Expressnet for ATM transactions.

Expressnet and network
LANDBANK also became the third member of Expressnet, an interbank network, in December 1991.
Expressnet and another Philippine interbank network, MegaLink, formed an alliance on May 6, 1997, with the main ceremony held at Ayala Center.
Expressnet is the primary network of the following banks listed below:

BPI and ATM
* BPI established the Philippines ' first ATM system, with its ATMs being called Express Tellers.
It is the second-largest ATM network in terms of number of ATMs ( largely due to the vast nationwide presence of BPI Express Teller ATMs ) and the smallest in terms of customers and number of member banks.
BancNet was founded on July 17, 1990 as the Philippines ' second ATM consortium when the ATMs of eight banks, PCI Bank ( now Banco de Oro ), Security Bank, Chinabank, RCBC, Allied Bank, Metrobank, International Corporate Bank ( now part of UnionBank ), and Citytrust Savings Bank ( now part of BPI ), formed BancNet.
MegaLink was formed in September 1989 by Equitable Banking Corporation ( now merged with BDO ), Far East Bank and Trust Company ( now part of BPI ), Philippine National Bank, and United Coconut Planters Bank, MegaLink, with its fundamental belief in universal sharing, became the first operational shared ATM network in the Philippines.

ATM and network
ATM is a core protocol used over the SONET / SDH backbone of the public switched telephone network ( PSTN ) and Integrated Services Digital Network ( ISDN ), but its use is declining in favour of All IP.
IBM Turboways ATM 155 Peripheral Component Interconnect | PCI network interface card
At the time of the design of ATM, 155 Mbit / s Synchronous Digital Hierarchy ( SDH ) with 135 Mbit / s payload was considered a fast optical network link, and many Plesiochronous Digital Hierarchy ( PDH ) links in the digital network were considerably slower, ranging from 1. 544 to 45 Mbit / s in the USA, and 2 to 34 Mbit / s in Europe.
The design of ATM aimed for a low-jitter network interface.
Some consider that this makes a case for replacing ATM with Ethernet in the network backbone.
DSL can be used as an access method for an ATM network, allowing a DSL termination point in a telephone central office to connect to many internet service providers across a wide-area ATM network.
As these cells traverse an ATM network, switching takes place by changing the VPI / VCI values ( label swapping ).
One application for SVCs is to carry individual telephone calls when a network of telephone switches are inter-connected using ATM.
It is primarily used within network backbones and employs ATM.
In 1995 SuperJanet2 started, adding 155 Mbit / s ATM backbones and a 10 Mbit / s SMDS network encompassing some of the original Janet nodes.
Many network engineers agree that ATM should be replaced with a protocol that requires less overhead, while providing connection-oriented services for variable-length frames.
MPLS can make use of existing ATM network or Frame Relay infrastructure, as its labeled flows can be mapped to ATM or Frame Relay virtual-circuit identifiers, and vice versa.
Packets must be segmented, transported and re-assembled over an ATM network using an adaptation layer, which adds significant complexity and overhead to the data stream.
These are roughly comparable to IP addresses used in the Internet Protocol ; they can specify a piece of equipment connected to an Asynchronous Transfer Mode ( ATM ) network.
Suncorp bank in Australia still ran its ATM network on OS / 2 as late as 2002.
* Presto !, an ATM network owned and operated by Publix Supermarkets
Later implementations often use Point-to-Point Protocol ( PPP ) or Asynchronous Transfer Mode ( ATM ) ( Point-to-Point Protocol over Ethernet ( PPPoE ) or Point-to-Point Protocol over ATM ( PPPoA )), while authenticating with a userid and password and using Point-to-Point Protocol ( PPP ) mechanisms to provide network details.
* LINK ( UK ), an ATM ( cashpoint ) network in the United Kingdom
ARP has been implemented in many combinations of network and overlaying internetwork technologies, such as IPv4, Chaosnet, DECnet and Xerox PARC Universal Packet ( PUP ) using IEEE 802 standards, FDDI, X. 25, Frame Relay and Asynchronous Transfer Mode ( ATM ), IPv4 over IEEE 802. 3 and IEEE 802. 11 being the most common cases.

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