Wincor Nixdorf and Mahindra Comviva, a provider of mobility solutions, have collaborated on a cardless mobile wallet solution that will allow consumers to withdraw cash at the ATM by simply scanning or presenting a QR code or using their NFC-enabled mobile device.

According to a press release, Wincor Nixdorf offers an extensive server/client-based solution for the self-service channel with a vendor-neutral, open interface — i.e., the Open Wallet Interface.

Mahindra Comviva supports this interface in order to enable mobile wallet users to make withdrawals and deposits at ATMs with their cell phone.

"The NFC offering will ride on our mobiquity Wallet's HCE rails to enable secure communication between the consumer's phone and the ATM through a token-based transaction," said Srinivas Nidugondi, SVP and head of mobile financial solutions at Mahindra Comviva. "Our cooperation with Wincor Nixdorf is significant, because ATMs have been proven to be a secure, reliable and highly automated service channel."

"ATM networks as a sales and service channel will play an increasingly large role in the mobile wallet strategy of providers to deliver an omnichannel experience and higher security in interacting with their customers," said Hermann Salmen, head of mobile financial solutions at Wincor Nixdorf. "With standardized interfaces ... we make integration easier and support mobile money providers with extensive services."