Self Filled ATMs Briefing Note (064)
There is a wave moving across Europe which is looking to tighter controls over cash put back into circulation to protect against money laundering and counterfeit threats.
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Briefings
ATMIA Information Alert: Unlimited Operations (ATM Cash-Out)
Unlimited operations, also known as ATM cash-out fraud, involves compromising a card issuer’s authorization system to eliminate or inflate withdrawal limits. Unlike ATM jackpotting, unlimited operations fraud does not exploit vulnerabilities in the ATM itself. The ATM is used to withdraw cash after vulnerabilities in the card issuers authorization system have been exploited.
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Briefing: API ATM
Technology in the banking sector tends to demand own systems, massive investment and complex infrastructure solutions. With changes in technology we now see break throughs which allow technology to connect, be connected and deployed simply, easier and more effectively.
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Briefing: ATM Outsource Solutions
Retail-BCG assists clients with the management, optimization and enhanced functionality of their ATMs. Allowing banks and retailers to focus on other areas of their business.
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Briefing: Windows 10
Retail-BCG’s have been investigating the affects and changes associated with ATM upgrades to Windows 10. Operating Windows 10 on your PC core would have the following benefits:
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Briefing: ATM as a Channel
ATMs have hardly developed at all in the first 50 years, functionality today is very similar to the functionality at the start. ATMs are providing cash based services in the main, however we see pockets where banks are truly championing the ATM and extending the service.
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Briefing: Cheque Imaging
The start of the phased roll-out of a new, image-based cheque clearing system that will speed up cheque processing significantly for customers across the UK begins on 30th October 2017.
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Briefing: ATM Jackpotting
Retail-BCG have become aware of an ATM jackpotting kit that is for sale on the Dark Web which provides step-by-step instructions for gaining access to a cash machine for the purpose of unauthorized ATM dispense.
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Briefing: Transaction Reversal Fraud Solution
TRF involves the creation of an error that makes it appear as though the cash had not been dispensed. The account is re-credited the amount ‘withdrawn’ but the criminal pockets the money. It could be a physical grab (similar to cash trapping) or a corruption of the transaction message.
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Case Study: New Card Scheme Services
The ATM is developing at a rapid rate and the card schemes are trying to change at the same pace. We see functionality at the ATM exploding especially with API technology and with new card scheme services.
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Briefing: Surcharge Briefing
The following covers the scheme rules and our interpretation. Please note the part “Non-discrimination rule”. Non-discrimination is across both domestic and international card schemes. We need to distinguish between surcharging on domestic/ intra-European transactions and international transactions (cards issued outside of Europe).
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Briefing: DCC Review
It has come to our attention in the ATM market that various ATM providers exhibit differing DCC on screen and receipt messages. Periodically we undertake a review of the regulations and the messaging to ensure we are competitive while also remaining compliant.
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Briefing: Threat to Cash
For quite some time now, decades in fact, I have been hearing that cash is under attack, that cash is dying and yet our annual research shows that cash in circulation is on the increase.
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