What will What will happen to ATMhappen to ATM

ATM FraudATM FraudFake CardsFake Cards

Using the lawUsing the law

Card ClipsCard Clips

Fake DispensersFake Dispensers

The HijackThe Hijack

Violent Crimes Against Violent Crimes Against CustomerCustomer

Fake CardsFake Cards

• Most bank employees can obtain internal r ecords to produce additional bank ATM card

s for themselves or their customers. With th e use of this fake but functional card, the em

ployee or accomplice can withdraw funds fro m any ATM. The only way to deter this type o

f fraud is to provide cameras, an ATM interfa ce and VCR on the ATM.

• Most bank employees can obtain internal r ecords to produce additional bank ATM card

s for themselves or their customers. With th e use of this fake but functional card, the em

ployee or accomplice can withdraw funds fro m any ATM. The only way to deter this type o

f fraud is to provide cameras, an ATM interfa ce and VCR on the ATM.

Using the LawUsing the Law

• Banking laws in the US protect the consumer when problems happen at the ATM. Our lawstates that if a customer has a dis

crepancy in their bank account the bank has a limited period t o respond. In general if the bank can not prove the customer

made the transaction, the bank has to absorb the loss and the customer only pays $5 0 .0 0 total. A typical ATMfraud wou

ld be the following. You would deposit $5 0 0 0 .0 0 in a ba nk that had ATMs but no video on them. Everyday you would

withdraw$2 0 0 .0 0 or the maximum daily amount the AT Mwould allow. When you got your first statement you would p

rotest it to the bank. If they could not prove it was you withdra wing the money you would get all the money back except $5

0 .0 0 . This scam would be repeated at the next bank.

• Banking laws in the US protect the consumer when problems happen at the ATM. Our lawstates that if a customer has a dis

crepancy in their bank account the bank has a limited period t o respond. In general if the bank can not prove the customer

made the transaction, the bank has to absorb the loss and the customer only pays $5 0 .0 0 total. A typical ATMfraud wou

ld be the following. You would deposit $5 0 0 0 .0 0 in a ba nk that had ATMs but no video on them. Everyday you would

withdraw$2 0 0 .0 0 or the maximum daily amount the AT Mwould allow. When you got your first statement you would p

rotest it to the bank. If they could not prove it was you withdra wing the money you would get all the money back except $5

000. . This scam would be repeated at the next bank.

Card ClipsCard Clips • Some ATMs are programmed that the money is

not dispensed until the card is removed from th e ATM. In this environment clever criminals hav e devised a clip that catches the card so it can n ot be ejected. The customer gets frustrated and

leaves the ATM after not getting back their card or money after attempting a withdrawal. The cr

iminal then quickly inserts the special release c ard and the customer card is ejected and so is t

he money. The criminal gets both card and mon ey and reinserts the clip for the next customer.

• Some ATMs are programmed that the money is not dispensed until the card is removed from th

e ATM. In this environment clever criminals hav e devised a clip that catches the card so it can n ot be ejected. The customer gets frustrated and

leaves the ATM after not getting back their card or money after attempting a withdrawal. The cr

iminal then quickly inserts the special release c ard and the customer card is ejected and so is t

he money. The criminal gets both card and mon ey and reinserts the clip for the next customer.

The HijackThe Hijack• Someboldcriminalsactual steal the ATMs f romthe i nstal l ati onthey ar ein.Thisi s done by f ront l oaders cl awi ngthemout or trucks w ithchainsdestroyi ngthe ki osk andhaul i ngaway the ATM.They ar el ater cut openwi thtouches andthe money stol en.

• Someboldcriminalsactual steal the ATMs f romthe i nstal l ati onthey ar ein.Thisi s done by f ront l oaders cl awi ngthemout or trucks w ithchainsdestroyi ngthe ki osk andhaul i ngaway the ATM.They ar el ater cut openwi thtouches andthe money stol en.

Violent Crimes Against Violent Crimes Against CustomersCustomers

• Themostcommonisobtai ni nga customers PI Nnumbers by standi ngbehi Themostcommonisobtai ni nga customers PI Nnumbers by standi ngbehi ndthemorviabi nocul ars.The customer i s l ater pi ck pocketed,purs ndthemorviabi nocul ars.The customer i s l ater pi ck pocketed,purs esnatchor mugged.The cri mi nal thenwi thdraws as muchmoney u esnatchor mugged.The cri mi nal thenwi thdraws as muchmoney u

ntilthe cardi s di sabl ed. ntilthe cardi s di sabl ed.

• Themostcommonisobtai ni nga customers PI Nnumbers by standi ngbehi Themostcommonisobtai ni nga customers PI Nnumbers by standi ngbehi ndthemorviabi nocul ars.The customer i s l ater pi ck pocketed,purs ndthemorviabi nocul ars.The customer i s l ater pi ck pocketed,purs esnatchor mugged.The cri mi nal thenwi thdraws as muchmoney u esnatchor mugged.The cri mi nal thenwi thdraws as muchmoney u

ntilthe cardi s di sabl ed. ntilthe cardi s di sabl ed.

ATM INTERFACEATM INTERFACEATM INTERFACEATM INTERFACEATM INTERFACEATM INTERFACEATM INTERFACEATM INTERFACE

The ProblemThe Problem• There are the problem with stealing There are the problem with stealing

card ,a card is lostcard ,a card is lost , a card was , a card was used by the other person and the used by the other person and the bank is unable to identify the user.bank is unable to identify the user.

• A problem from person have a A problem from person have a maliciousmalicious ,saving user profile for ,saving user profile for make counterfeit ATM card. make counterfeit ATM card. ((Scramble data card Fraud) Scramble data card Fraud)

• A problem from A problem from destruction ATM destruction ATM cause the damage.cause the damage.

CONFIGURATION CONFIGURATION SYSTEMSYSTEM

Type of InterfaceType of Interface

CONFIGURATION CONFIGURATION SYSTEMSYSTEM

Type of InterfaceType of Interface

CONFIGURATION SYSTEMCONFIGURATION SYSTEM

1. INSERT CARD

4. DATA TRANSECTION

2.CAMERA CAPTURE

3.IMAGE+DATA CAPTURE

5.PLAY+RECORDER

CONFIGURATION SYSTEMCONFIGURATION SYSTEM(MODEM SDLC)(MODEM SDLC)

Camera

Vssi - Lan

Moniter

Digital Recorderเครื่��องบันทึ กภาพดิ�จิ�ตอล

Modem(LeaseLine)

ATM

RG-59

RG-59

Remote MoniterHead Office

Lan Cable

Triport

CONFIGURATION SYSTEMCONFIGURATION SYSTEM(TCP/IP)(TCP/IP)

Data savingData saving• When customer come to use the equipment When customer come to use the equipment

that keeping a detail as follows :that keeping a detail as follows :

• Sequencial number• User card number

• Date Time• Transaction type• Issuer Bank• Location• Amount

• Account Balance

• User account etc.

VIDEO + TRANSACTIONVIDEO + TRANSACTION

TRANSACTIONTRANSACTION

CUSTOMERCUSTOMER

DATE TIME SEARCHDATE TIME SEARCHHead OfficeHead Office

((LAN/WAN Only)LAN/WAN Only)

branchbranch((not use computer)not use computer)

CASE STUDYCASE STUDY1076 IBM1076 IBM

EXAMPLE INSTALLATIONEXAMPLE INSTALLATION

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EXAMPLE INSTALLATIONEXAMPLE INSTALLATION

Installation camera not open rear or front of ATM

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EXAMPLE INSTALLATIONEXAMPLE INSTALLATION

Case : need safety for DVR

Put DVR to vault in ATM

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EXAMPLE INSTALLATIONEXAMPLE INSTALLATION

Completed : Same

After DVR intallation

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EXEMPLE INSTALLATIONEXEMPLE INSTALLATION

Hidden CameraHidden Camera

CameraCamera

Standalone : ATMStandalone : ATM

BENEFIT OF ATM BENEFIT OF ATM INTERFANCEINTERFANCE

The problem from The problem from a customera customer

Enhance the Enhance the securitysecurity

Customer informs Customer informs to receive money is to receive money is defective.defective.Stealing ATM card Stealing ATM card or use ATM card by or use ATM card by other person.other person.A card was A card was defraudeddefrauded ((Scramble)Scramble)

Increase security for Increase security for ATMATMA picture can use for A picture can use for the evidencethe evidenceIncrease security for Increase security for user due to video is user due to video is recorded.recorded.To protect the To protect the robbery in front of robbery in front of ATM.ATM.

TRANSACTIONTRANSACTION

CUSTOMERCUSTOMER

VIDEO ONLYVIDEO ONLY VIDEO + DATAVIDEO + DATA

THE ENDTHE END