Nanjing IOT Sensor Technology Co.,Ltd

Problems and challenges that Self Service Banking faces in current period

Since ATMs and Self Service Bankings have been promoted and widely used in the financial industry, the application environment and places are also becoming more and more. Therefore, the security work is also becoming more significant. Moreover, more technical skills are involved in the criminal means, and thus it is very necessary to strength the supervision of cardholders withdrawing actions effectively. For example, in 2006, a malicious withdrawing of 175 thousand Yuan from ATM in Guangdong Province and all kinds of credit card frauds on ATMs happened throughout the whole country forced people to find solutions to prevent malicious cardholders from committing crimes and supervise all the destructive actions on ATMs effectively.

To record completely the whole process of people approaching the ATM, transacting, withdrawing and then leaving is a common issue that draws concerns of ATM surveillance industry. The surveillance system of previous ATM wasted much. It kept recording all the time and with the increasing of video data, it would be difficult to find the right video. Besides, the recording quality is not so good which made some difficulties in collecting evidence. Some other surveillance system can’t raise the alarm in time； the alarm method is single and so as to the effect. These lead to some problems that when problems occurred, no valid evidence can be provided, and thus caused some unnecessary disputes.


By making an integrated observation of the use of ATM in banks, Nanjing Yuantuo Tech found that ATM crimes and disputes between banks and customers have the following forms:

It is because the quality problems of ATM itself or something wrong with the communication lines, ATMs sometimes will “keep accounts without output banknotes” or “output money with incorrect amount”. Therefore, there are always complaints and claims about ATMs and some even cause crimes. These all have bad influence on banks’ credit.

Some lawbreakers made use of ATM’s defects to commit crimes. They installed some special equipment on ATM to steal user’s password, and then got the user’s bank card by trailing the user or switching the card to steal or over drawing the account.

Many companies use savings card to pay wages. As the original passwords of all savings cards are the same, so some lawbreakers will steal colleague’s card and then withdraw money from the ATM. And after that he will return the card to the colleague stealthily. The victim then found the amount on the account incorrect and went to the bank to check. Although the bank can find out the withdrawing time, place and amount to confirm that the account transaction is correct, it can’t prove that it was some other people stealing the card to withdraw money, let alone make up customer’s losses. And thus some customers will have doubts on banks, and some of them even doubt that whether there are “hackers” inside the bank.

Most Self Service Bankings are unattended, and they will usually suffer malicious destruction by lawbreakers, for example, they use the bricks to smash the screen； use sharp tools to scribe the board； to transform the banknote output feed on purpose or even use petrol to burn the banking.


With the development of science and technology, most bank cards can be easily copied. Several crimes had happened that lawbreakers in China and abroad worked in collusion to copy bank card to overdraw money. This had brought forward higher demands to ATM safety prevention work.

How to solve problems and ensure the stability during the transaction?


After years of research and practice in the financial surveillance field, and according to the working features of the ATM, deposit machine, inquiry machine and combines the structure particularity of the equipment itself with the working environment as well as the variety of the machine types, Nanjing Yuantuo Tech had developed independently ATM embedded host and network centralized surveillance system based on H.264 image compression technology which can provide a digital networking solution on security surveillance of Self Service Banking for financial customers.


This host uses PSOS embedded real-time operating system. It is very small and has 10 inches HD digital LED display function. Meanwhile, it can develop special functions which are in line with the requirements of ATM surveillance security work according to the application environment, monitoring target and the features of external interfaces.


Anti-riot, unmovable

Most ATMs are outdoor and unattended, and thus it is required that the design of ATM should be anti-riot and unmovable and so as to the ATM surveillance host. The embedded ATM surveillance products are designed according to internal space of ATM chassis and it can be installed in the ATM without any changes. Meanwhile, the ATM has a 10 inches LED which is very convenient for the on-site operation and maintenance,


24-hour steady operation

ATMs are required to provide 24-hour service and unattended. Therefore, the ATM surveillance host is required to have a 24-hour steady operation. Meanwhile, banks usually require that the video data be stored for 1-3 months and even 6 months. The embedded ATM surveillance product uses embedded PSOS operating system which can work steadily under very harsh environment. The video uses H.264 compression algorithm and the host has passed 3C authentication and authoritative inspections. It can satisfy the demands of line and spacing ATMs in Self Service Bankings.



Shielded transaction password to ensure the safety of data

To protect the users’ passwords, ATM surveillance host requires that the PIN pad and user’s password can’t be seen on the video. By using the surveillance host that can shield the transaction passwords, the above function can be achieved in the shielded password area of the monitoring video. After being shielded, no matter on the monitoring screen or the playback screen, the password information has always been the shielded option to ensure the safety of the data.


Overlaid video card number

As a particular function of the ATM surveillance host, overlaid video card number is very necessary. By using the ATM surveillance host with overlaid card number function, the user can directly overlay some information such as the corresponding card number, transaction type and transaction amounts, etc on the screen. Along with the character information on the video recording, it will be very convenient to help to confirm the results of the afterwards tracing, and meanwhile, to provide much more reliability for dealing with the disputes between banks and customers. According to the provided card number, it is very easy to find out all the cardholder’s operating data during a specified time.


Surveillance links with alarm


The accurate alarm surveillance and the strong alarm linkage functions are of great significance. When knocking at the ATM, the vibration YT-JB3 alarm will probably last for several seconds. If the sensitivity is not enough, false alarm can be raised. By using the ATM surveillance host that supports multiple alarm linkage function, it can immediately make accurate responses to any video lost, partial shielding and signal alarm. The alarm can trigger the local alarm output and the dialer. It can also transmit the alarm to the surveillance center via Internet and the surveillance center will then take corresponding measures. The surveillance center can synchronously send the messages to higher management staff through GSM/CDMA 1X message to guarantee that the warning can be dealt with promptly and effectively.


Network function

The network function plays a very important role in the ATM surveillance host. Images, playback and backup video data can be viewed through the network. It can also control alarm and do bi-directional voice intercom. Almost every local function can be achieved through the network. Henceforth, the developing trend of the financial industry must be regional centralized management. And to achieve these functions, the embedded ATM surveillance digital host must be equipped with comprehensive network function.


New technology makes ATM surveillance of Self Service Banking stronger.


Seeing from the current developing trends of surveillance industry, more and more high technologies are applied in the industry, and the surveillance demands are changing at the same time. Requirements on ATM surveillance are updating and comprehensive and relevant intelligent video technology will also be applied in the ATM surveillance products.


For example, by iris, face recognition and fingerprint recognition, customers’ information can be validated, and thus to ensure the correctness of the depositor’s information and avoid lawbreakers committing crimes using bank card. In addition, face recognition technology can achieve the access control of Self Service Banking or financial systems and the function to raise the alarm when the criminal appears at the stationing area, etc. Meanwhile, it can also make use of the surveillance system of department stores to auto-recognize the characters of the banks’ VIPs and inform the service staff to do the service better in time.


As to the intelligent analysis of the videos, this function can help to find out the needed data from numerous ones, and in this way, to shorten the search time and improve working efficiency. The motion analysis function can do auto analysis on people’s suspicious behaviors such as wandering, lingering and illegal climbing in the specific area of Self Service Banking. The system can auto store the actions and routines of the suspicious target, and the target can be single and several. When the above problems arise, it can directly give the alarm and inform the management staff.



The post-processing technology of the video data can satisfy the requirements of the deficiency of ATM surveillance data. It can use specific algorithm to process the data and make the partial image characters more clear. If problems arise, for instance, the playback video signal is not clear, and the dispute process or physical characteristics of the suspects can’t be seen clearly either, this technology can easily solve these problems and meet different demands on video data of different departments.


Conclusion


Video surveillance technology is developing towards digitalization, network and intelligence. Yuantuo, specialized in the surveillance field of Self Service Banking, will keep developing new technologies on surveillance field. By perfecting the functions of ATM surveillance host, Yuantuo will provide higher quality services for customers.