How to build a safer ATM monitoring product
This is a late topic, because as early as in the "Xu Ting Case", the quality and safety of the ATM machine had attracted public attention.
This is also a fresh topic, because the attention has been continuing, and the popularity and breadth are showing an expanding trend. Especially after the recent outbreak of the "cottage ATM" incident, people's attention to ATMs has skyrocketed, and insecurity and distrust have also spread.
It should be said that each of us has heard, seen, and experienced personally, the fear, doubt, helplessness, and even anger related to the ATM machine. But even so, we are more and more inseparable from it and more and more dependent on it. It can be said that every time the process of entering the password is a solemn entrustment. Because this string of numbers is not only related to the account, but also related to our sense of security and confidence.
Because of this, the ATM mechanism should and must be better.
How to make safer products
As a self-service financial electronic product, ATM machine is undoubtedly its most important feature is security. The security here has two meanings, one is to ensure the security of funds in financial institutions, and the other is to ensure the security of the cardholder's personal account. In fact, in recent years, there have been frequent cases of fraud using ATM machines and related disputes, challenging our nerves time and time again. It is reported that the main means of criminals using ATM machines include: installing camera probes and external card swallowing devices at the ATM machine sockets, and stealing user password information through these devices; using high-power telescopes in the distance Peeping and stealing user passwords; posting false information on ATMs, misleading users to transfer money to other accounts, etc. What's more, there has been an incident in which a large forklift “shoveled away ATMs from a root†in a city in the north ...
Faced with the ever-increasing means of committing crimes, what countermeasures do ATM opportunities have? In this regard, different manufacturers also have different views.
The reporter learned from the world's well-known ATM machine manufacturers NRC, Diebold; and the largest domestic ATM monitoring Yuantuo Technology Company that the company believes that the security scope of ATM machines involves cash security, card security, cardholder security There are 8 aspects of ATM machine physical security, ATM machine access security, data security, ATM machine transaction security and password and encryption security. In response to the above-mentioned key control points, the company carried out many targeted designs and deployments of ATMs.
Taking the ATM machine itself as an example, in order to prevent criminals from peeping into the password, a recessed display can be used to ensure that the display content can only be seen in front of the screen, and at the same time, a privacy rearview mirror can also be added, so that the user can be convenient Observe the situation behind you; the addition of a password keyboard shield can effectively prevent criminals from stealing user passwords with the naked eye and the camera; the encryption protection keyboard and secure remote key transmission settings can ensure the safety of passwords during input and transmission. In addition, installing a physical protective cover on the outside of the card reader and using a trembling card entry method can prevent criminals from stealing card information.
At the same time, a digital camera system is also installed on the latest ATM machine. The remote diagnosis monitoring system can be used to fully monitor the front panel of the ATM machine. By monitoring the presence or absence of additional devices on any part of the equipment, compare the digital differences between the front and rear screens. , Immediately alarm, the machine will automatically stop running at the same time.
As China's largest high-tech enterprise specializing in the research, development, manufacturing, sales and integration of ATM monitoring systems, Yuantuo Technology has been committed to providing ATM monitoring solutions from hardware platforms to application software integration. According to the company's introduction, the ATM machine is in use and considered from external factors. The main security problems are: criminals use forged bank cards to illegally trade on the ATM machine; whether the banknotes are issued at the cash outlet and whether the cardholder takes the banknotes The dispute between the bank and the depositor; the ATM machine was deliberately knocked or destroyed; the theft of someone else's bank card or the use of a forged card to withdraw cash illegally on the ATM machine. In order to ensure the safe use of ATM machines, ATM surveillance recording system is essential.
It is reported that the main purpose of ATM video surveillance is to monitor the on-site situation of each transaction. The video recorder uses software to respond to different working conditions, such as monitoring, vibration monitor, banknote output, and human body close to four states, taking corresponding cameras, Video recording method. For example, when a strong vibration is sensed, the human body detector sends out an alarm trigger signal to start the video recorder to record, and at the same time sends out an alarm signal through an audible and visual alarm device.
How to achieve tighter supervision
ATM machines are related to thousands of households. Both the machine itself and related services are changing as user needs change. At the same time, related regulations and regulations have also changed.
At present, the national standard that regulates the production of ATM machines in China is mainly "General Specification for Automatic Teller Machines (ATM)", but this specification is only a recommended standard. The standard regulates the technical requirements, test methods, inspection rules, signs, packaging, transportation, and storage of ATM machines. In the standard, the reporter saw that the standard requires that the hardware design of the ATM machine should follow the principles of safety, reliability, and ease of maintenance; the software design should be compatible with the hardware resources of the hardware system; the structural design should comply with fire protection, anti-theft, dust-proof, and Shower, shockproof and other requirements. The standard also regulates the function and system configuration of the ATM machine. In the "Test Method" section, the standard proposes to perform noise test, low temperature test, high temperature test, constant humidity and heat test, sand and dust shower vibration test, electromagnetic compatibility test, etc. on the ATM machine. In the "Inspection Rules" section, the inspection items involve 19 items such as reliability, packaging, and drop.
Gao Jian, a senior engineer from China Electronics Standardization Institute, introduced that the standard mainly regulates the system functions of the ATM machine, and the test and inspection content is also mainly aimed at the hardware of the ATM machine, and does not involve information security issues related to bank cash business. At present, the ATMs that people pay attention to pay more, less, and no money. Some may be due to the quality of the ATM hardware, but more are due to software maintenance and network security management issues. The standard is still blank.
It is also understood that the National Financial Standardization Technical Committee has also issued industry standards for ATM machines. A staff member of the committee told reporters that in 2009 the National Financial Standardization Technical Committee revised the industry standard "Bank Card Automatic Teller Machine (ATM) Terminal Specification", which is mainly aimed at banking applications. The specification specifies the application and technical requirements of the ATM terminal, including the basic hardware requirements, software requirements, security requirements, application functions, user interface, transaction processing flow, and terminal message format of the bank card ATM. The staff introduced that when designing the operation pages and operation procedures of their respective ATMs, the banks mainly carried out according to this specification.
In 2008, the CNCA issued an announcement to clarify that self-service terminal products such as bank ATMs are included in the scope of mandatory product certification (3C certification). From January 1, 2009, such products must obtain 3C certification and affix the 3C mark before they can be used in business service locations.
A staff member of the Product Certification Department of the China Quality Certification Center told reporters that in fact, before 2009, many places have already carried out the mandatory certification of ATM machines, but the requirements are not uniform in various places, and the enforcement is not uniform. Only after 2009, China unified the ATM machine into 3C mandatory certification products. The certification body mainly conducts ATM machine certification based on three test standards related to ATM machines. The content mainly involves items related to personal safety, such as electromagnetic compatibility, radiation interference capability, leakage prevention, flame retardancy, etc. In other words, 3C certification is not a quality certification, but only a basic safety certification.
It is also understood that the Ministry of Public Security has recently issued the “Regulations on Bank Self-Service Equipment and Self-Service Bank Security†to regulate the security standards of self-service banks. According to the regulations, if the self-service bank does not install a remote video monitoring and alarm system and 24-hour manpower patrol, resulting in the loss of customer deposits, the bank will bear the corresponding responsibility.
How to achieve better service
On September 2, 1969, the branch of Hanover Bank Rockville Center installed the world's first ATM machine, and an advertisement was issued: "Our bank will never close the door after it opens at 9 am on September 2!" Since then, ATM machines have entered people's lives. In 1987, Bank of China launched the first ATM machine in China, opening the era of ATM machines in China.
According to the "General Situation of the Payment System Operation in the First Quarter of 2010" released by the People's Bank of China, as of the end of the first quarter of 2010, the number of ATMs in China has reached 216,600, an increase of 0.67 million compared with the end of the fourth quarter of 2009. According to statistics, China's ATM growth rate has remained above 10% in recent years, much higher than the 3% growth rate of other countries in the world.
From the perspective of regional distribution, the distribution of domestic ATM machines is extremely uneven. Except for 18 cities and regions such as Guangdong (except Shenzhen), Shanghai, Beijing, Zhejiang, Shenzhen, Nanjing, and Tianjin that have the most ATM machines, other major cities The number of ATMs in some cities is seriously insufficient. A survey conducted by AC Nielsen in three cities, Beijing, Shanghai, and Guangzhou, China, showed that the hospital ranks first among the places where people think it is most necessary to deploy ATM machines, followed by supermarkets / shopping in order. Center and airport. In addition, post offices, lively neighborhoods and convenience stores are also popular places for consumers to deploy ATMs. Another number worth noting is that recent statistics show that the number of bank cards corresponding to each ATM machine in China is 0.98 million, while the number of bank cards corresponding to each ATM machine in the United States, France, and Germany is 4023, 1967 and 2204 photos. It can be seen that the expectations and demands of Chinese users for ATM machines are still very large, and the domestic ATM machine market has huge room for growth.
Corresponding to the huge demand space, the fierce competition of the major ATM manufacturers. The reporter learned that there are currently more than 10 domestic enterprises engaged in ATM machine manufacturing business, with varying production and sales scales and technical levels. From the perspective of market share, the top three echelons of foreign ATM machine production giants (NCR, Diebold, Deli Duofu) and local enterprises such as Guangdian Express and Yuyin Technology.
Analysts believe that after more than ten years of technology introduction and independent research and development, the gap between the production level and technical level of domestic enterprises and foreign giants is not very large, and the large-scale export of products of Guangdian Express is proof. The current problem is that on the basis that the gap between products is not obvious, service support has gradually become a key determinant in competition. This is precisely a major weakness of domestic enterprises.
The reporter learned that with the increase in the number of ATM machines, service maintenance has increasingly become a hot spot for user complaints, including the untimely payment of banknotes by ATM machines; the daily maintenance and sanitation of ATM machines in remote areas are not up to standard; ATM machines have failed Not repaired in time and so on. If these "soft" problems cannot be solved, even if the performance of the ATM machine is perfected, it will be difficult to satisfy the users.
Manager Jia of Yuyin Technology Marketing Department told reporters that one of Yuyin Technology ’s main businesses is ATM operation services, that is, the company cooperates with banks to build ATM terminals. The company is responsible for providing ATM equipment, site selection, equipment maintenance, and technical support. After collecting the agency fee for cross-bank transactions, the cooperative bank shall pay the agency fee to the service company in accordance with the proportion stipulated in the cooperation agreement. He said that third-party operation services are one of the signs that the ATM machine market is maturing. This business model helps to increase the coverage of ATM machines and user satisfaction, "bringing more convenience to more people." .
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