case study
Between 2012 and 2014 our client was experiencing one or two ATM card skimming attacks a month . The losses were consistent with the industry average of $ 40,000 – $ 50,000 per skimming incident . Not to mention the corresponding negative impact to the bank ’ s brand and customer service levels . ATM Skimming continues to become more sophisticated with the entry of organised crime , and skimming devices are getting smaller and undetectable . With the help of mobile phone technology , criminals are creating ATM PIN capture devices that can also send the image to a remote PC .
The customer chose NCR Skimming Protection Solution to address their continuing situation with ATM skimming attacks . NCR Skimming Protection Solution is designed specifically for NCR ATMs and provides comprehensive protections through functionality to detect and jam most forms of bezel and insert skimmers . It provides additional anti-tampering sensors to protect the device from being disabled with sabotage , and also provides physical protection components to prevent other attacks .
Detection and disruption Detection is focused on the card data path , which minimises the potential for false alerts , and integration with the ATM triggers physical barriers to prevent cards from being inserted into the ATM . Customers can have the option to take the ATM out of service until the detected object is removed . Multiple sensors create a constantly changing random stream of noise to disrupt and jam any devices that may attempt to take a clean read of cardholder data .
The solution The customer was particularly impressed with the way the NCR solution deployed Jamming technology . The customer viewed this as a key differentiator for the solution , which means when a criminal takes their skimmer or recording device away , they cannot decipher the cardholder ’ s data .
Unlike third party solutions , SPS has built in diagnostics and state of health so that the deployers can monitor the device and pinpoint whether it ’ s functional or not ; if it ’ s not – action can be taken .
SPS uses industry standard expandable bus architecture & new
sensors and alarm devices can be added in the future to protect from new types of attack without having to replace the SPS module , providing a fast response to new threats . SPS uses Field Programmable Gateway Array ( FPGA ) architecture , so hardware can be repurposed via downloadable software upgrades .
Different software implementation scenarios are possible , depending on the target network environment . SPS will send status messages to XFS via the SUI Service Provider , and through SNMP . NCR Skimming Protection Solution can also operate in a standalone mode as well .
The benefits The benefits of NCR Skimming Protection Solution were immediately apparent . Upon deployment the bank saw the complete elimination of card skimming attacks in the ATM channel , and all 4,600 of the bank ’ s ATMs are now under the protection of NCR Skimming Protection Solution . The deployment in this project was completed ahead of schedule . n
ATM skimming trends & effects
Trends related to ATM skimming attacks :
■ The crime constantly evolves
■ The criminals become ever more organised
■ The crime gets ever more sophisticated
■ Criminals migrate to the weakest link
■ Skimming devices get smaller and harder to defeat
Constant and global increase in card fraud results in :
■ Consumers trust in the financial institution is damaged
■ Recognition that reputation and integrity of brand and customer loyalty is priceless
■ Hard cash losses associated with crime
KIOSK solutions 13