EXCORA

Product

A neutral coordination and evidence layer for operational decisions that cross organizational boundaries.

EXCORA is being designed to exchange the minimum actionable operational signal between organizations, rather than requiring anyone to expose entire datasets.

Keep your data.

Share what is needed to act.

The data may already exist. The problem is getting the minimum necessary information to the authorized organization in time to act.

EXCORA is being designed to communicate the minimum actionable operational signal without requiring organizations to surrender their underlying datasets. Each organization retains control of its own information.

Proposed workflow

Five steps between existing systems

  1. 01

    Detect

    An organization's existing systems identify an operational change or emerging need.

  2. 02

    Signal

    EXCORA converts that event into a standardized, minimal operational signal.

  3. 03

    Share

    The signal is securely delivered only to the authorized counterparty that needs it.

  4. 04

    Respond

    The recipient can acknowledge, accept, decline, indicate the service is already scheduled, or report that the request cannot be accommodated.

  5. 05

    Measure

    EXCORA records whether earlier information changed the operational outcome.

Concept

What a signal could look like

Signal exchange · sample view

Illustrative Product Concept

REPLENISHMENT_RISK

ATM replenishment risk

High
Source
Bank ATM operations
Authorized recipient
CIT dispatch
Service requirement
Replenishment before next scheduled visit
Decision deadline
Before 14:00 planning cutoff
Status
Delivered
Response
SERVICE_ACCEPTED

ATM_UNAVAILABLE

ATM unavailable

Medium
Source
ATM operator / IAD
Authorized recipient
CIT dispatch
Service requirement
Hold planned service
Decision deadline
Before tomorrow's route build
Status
Acknowledged
Response
SERVICE_HOLD

ATM_RESTORED

ATM restored

Low
Source
Bank ATM operations
Authorized recipient
CIT dispatch
Service requirement
Resume normal schedule
Decision deadline
Next planning cycle
Status
Delivered
Response
ALREADY_SCHEDULED

DEMAND_RISING

Unexpected branch cash demand

High
Source
Branch
Authorized recipient
Internal cash fleet
Service requirement
Additional delivery requested
Decision deadline
Before 11:00 dispatch
Status
Awaiting response
Response
-

SAFE_NEAR_CAPACITY

Smart-safe capacity approaching

Medium
Source
Smart-safe operations
Authorized recipient
Courier
Service requirement
Pickup within service window
Decision deadline
Before end of business
Status
Delivered
Response
SERVICE_ACCEPTED

PICKUP

Pickup required

Medium
Source
Retailer
Authorized recipient
CIT
Service requirement
Unscheduled pickup
Decision deadline
Before 16:00 cutoff
Status
Declined
Response
CANNOT_ACCOMMODATE

SKIP_SERVICE

Pickup no longer required

Low
Source
Retailer
Authorized recipient
CIT
Service requirement
Skip planned pickup
Decision deadline
Before route finalization
Status
Acknowledged
Response
SERVICE_ACCEPTED

SERVICE_DELAYED

CIT service delay

Medium
Source
CIT
Authorized recipient
Bank operations
Service requirement
Revised arrival window
Decision deadline
Informational
Status
Delivered
Response
Acknowledged

COURIER_REQUEST

Internal courier requirement

Medium
Source
Bank cash operations
Authorized recipient
Internal cash fleet
Service requirement
Branch transfer
Decision deadline
Before 10:00 dispatch
Status
Delivered
Response
ALREADY_SCHEDULED

SERVICE_WINDOW_CHANGED

Service-window change

Low
Source
Retailer
Authorized recipient
CIT
Service requirement
Adjusted access hours
Decision deadline
Before next visit
Status
Acknowledged
Response
SERVICE_ACCEPTED

CENTER_CONSTRAINT

Cash-center constraint

High
Source
Cash center / vault
Authorized recipient
CIT / institution
Service requirement
Denomination availability limited
Decision deadline
Before order cutoff
Status
Delivered
Response
Acknowledged

ORDER_CHANGE

Retailer cash event

Medium
Source
Retailer treasury
Authorized recipient
Cash center
Service requirement
Change order adjustment
Decision deadline
Before order cutoff
Status
Awaiting response
Response
-

Example data only. Signals never carry exact cash balances, routes, crew details, credentials, or security procedures.

Architecture

Keep your data. Share what is needed to act.

EXCORA is being developed as a potential neutral coordination layer for the physical cash ecosystem. It explores whether authorized organizations can exchange the minimum operational information needed to coordinate action, without requiring either party to surrender its underlying data.

Illustrative Product Concept, proposed architecture

SOURCE SYSTEM
ATM platform · Smart-safe platform · Bank system · Retail system · Carrier system · Cash-management platform
SIGNAL ADAPTER
PERMISSION / POLICY
EXCORA
Authorization · Signal routing · Decision deadline · Audit
AUTHORIZED COUNTERPARTY
STRUCTURED RESPONSE
Accepted · Already scheduled · Cannot accommodate · More information required

Underlying data stays in each organization's own systems. Only the minimum authorized signal is intended to move.

Standards

Designed to work with existing standards

EXCORA is not intended to replace industry data standards. EXCORA is being designed to work with existing and emerging industry identifiers, standards and data formats where appropriate.

Bodies such as Conexxus and GS1 are named only as examples of the existing landscape. No endorsement, partnership, certification or compatibility with any standard or organization is claimed or implied.

Boundaries

A coordination layer, not a replacement

EXCORA does not replace

  • - forecasting systems
  • - CIT route optimization
  • - ATM monitoring
  • - bank cash-management platforms
  • - CIT dispatch software

Organizations keep ownership of their underlying data.

Signals never carry

  • - cardholder information
  • - account information
  • - transaction-level customer data
  • - exact live balances by default
  • - ATM security information
  • - lock combinations
  • - alarm information
  • - route details
  • - crew details
  • - vehicle GPS
  • - credentials

Currently in industry research and product development.

Explore a Pilot See use cases Participate in Research