Problems and challenges facing self-service banks at this stage
With the continuous promotion and use of ATMs and self-service banks in the financial industry, there are more and more environments and places where ATMs are applied, and their security work is becoming more and more important. In addition, as the means and technical content of criminals increase, effective supervision of cardholders' withdrawals needs to be strengthened. For example, in 2006, a violent ATM machine withdrawing RMB 175,000 in a place in Guangdong, and the recent occurrence of various ATM machine credit card frauds across the country, caused people to start looking for prevention of malicious cardholder fraud Behavioral solutions, and effective supervision of various behaviors that disrupt ATMs.
It is a problem that the financial ATM machine monitoring industry pays more attention to completely recording the image of the entire process of the customer from approaching the ATM machine to specific transaction operations and withdrawals, and until leaving. The monitoring systems of some ATMs used by banks in the past are relatively resource-intensive and require continuous recording. With the increase of recording materials, it is not convenient to search. In addition, the effect of video recording is vague, which forms a certain resistance to forensics. However, some of the previous monitoring systems of the bank were not timely enough, the alarm method was single, and the effect was also single. As a result, valid evidence could not be produced when problems occurred, and unnecessary customer disputes occurred.
Through a comprehensive examination of the use of ATMs by various domestic banks' self-service banks, Nanjing Yuantuo Technology found that criminals currently use ATMs to commit crimes, and bank and customer disputes mainly have the following forms.
Due to the ATM's own quality problems and the failure of the communication line, ATM sometimes has the phenomenon of "do not spit money in accounting" or "spit the wrong money". Customers often come to this for complaints and claims, and even lead to illegal crimes, which affects the bank The reputation of
Some criminals use the weaknesses of ATM to carry out criminal activities, install some special equipment on ATM to steal user passwords, and then steal or maliciously overdraw the amount of the bank card after replacing the user's bank card by means of trailing or dropping;
Many units use salary cards to pay their salaries. Because the original passwords of all savings cards are the same, some lawbreakers withdraw money from ATMs after stealing colleagues' savings cards, and then secretly return the savings cards to colleagues. When the victim finds that the amount on the savings card has been erroneously checked by the bank, although the bank can find out the specific time, place and amount of each withdrawal of this card at the bank ATM to prove that the card account transaction is correct, it cannot prove whether Someone else has used this card to withdraw money, and it is even more impossible to make up for the loss of the user. It is difficult to satisfy the user, causing some users to have doubts about the bank and even suspect that there are "hackers" inside the bank;
Because most self-service banks are in an unattended environment, they are often subject to malicious damage by criminals: smashing the display with bricks; using a sharp tool to draw the panel; deliberately modifying the cash outlet; even burning with gasoline; blowing up with explosives And other malignant events;
With the development of technology, most of the bank cards used by ATMs have been easily copied. There have been many cases of domestic and foreign criminals colluding with each other to copy bank cards for malicious overdraft. This is safe for ATMs. The technical prevention work puts forward higher requirements.
How to solve the problem and ensure the stable transaction?
With many years of exploration in the field of financial monitoring, Yuantuo Technology, based on the working characteristics of ATM cash machines, deposit machines and inquiry machines in self-service banks, combined with the special structure of the equipment itself and the use environment and the diversity of machine models, Nanjing Yuan Tuo Technology's independently developed ATM embedded host and network centralized monitoring system based on H.264 image compression technology provides financial customers with a complete set of digital and networked security monitoring solutions for self-service banks.
The host uses the PSOS embedded real-time operating system. The host is small and compact, with a 10-inch high-definition digital LCD screen display function, and can be developed according to the application environment, monitoring objects, and external interface features to meet the needs of ATM machine monitoring and safe work.
Riot-proof and unmovable
Self-service bank ATMs are mostly exposed outdoors, and are unattended, so the design of ATMs is required to be riot-proof and non-portable, and the ATM monitoring host also has these characteristics. The embedded ATM machine monitoring products are designed completely according to the internal space of the ATM case, and can be installed inside the ATM machine without any changes. At the same time, the ATM machine itself comes with a 10-inch LCD screen, which is convenient for on-site operation and maintenance.
24 hours stable operation
The ATM machine requires 24-hour service and is unattended. Therefore, the ATM monitoring host is required to work steadily for 24 hours. At the same time, the bank generally requires the video data to be kept for one to three months, or even half a year. Embedded ATM machine monitoring products use the embedded PSOS operating system, which can run stably in harsh and harsh environments. The video uses H.264 compression algorithm. At the same time, the host passes the national 3C mandatory certification system and Shanghai three authoritative inspections, which can meet Demand for off-line ATM machine self-service banks.
Shield transaction password to ensure data security
Due to the need to protect the user's password, the ATM monitoring host requires that the password keyboard and the user's password information must not be seen in the recording screen. By using a monitoring host that can shield the transaction password, the above function is realized in the monitoring video shielding password area. After the shielding, the password information entered by the user is always used as a shielding option, whether it is in the monitoring screen or the playback screen, to ensure the security of the data .
Video card number overlay
As a unique function of ATM monitoring host, video card number overlay is indispensable. By using the ATM monitoring host with video card number overlay function, the corresponding card number, transaction type, transaction amount and other information can be directly superimposed on the screen, plus the character information on the video screen, which is more convenient to help confirm the post-tracing. Handling disputes with users provides greater credibility. At the same time, according to the provided card number, you can quickly find out all the operating information of the cardholder within the specified time.
Alarm detection and alarm linkage
Accurate alarm detection and powerful alarm linkage function are very important. For example, when tapping the ATM machine, the duration of the vibration YT-JB3 alarm may be only a few tens of milliseconds. If the sensitivity is not enough, a false alarm may occur. Through the use of ATM monitoring host that can support multiple alarm linkage functions, when video loss, partial occlusion, signal alarm occurs, timely and accurate response. The alarm event can trigger the local siren output, trigger the dialer, or can be transmitted to the monitoring center through the network, and the monitoring center will make the corresponding processing. The center can send related information to the mobile phone of the upper-level management personnel through GSM / CDMA 1X SMS To ensure timely and effective handling of the police situation.
Network features
Network function plays a very important role in ATM monitoring host. In the ATM host, you can browse images through the network, playback and backup video data, control alarms, conduct two-way voice intercom, and so on. Almost every local function can be achieved through the network. In the future, the development trend of the financial industry will inevitably follow the regional centralized management model, and the embedded ATM monitoring digital host must have perfect network functions to realize these functions.
New technology contributes to ATM monitoring of self-service banks
From the perspective of the development trend of the monitoring industry, more and more high-tech is being applied to this industry, and the monitoring needs of the financial industry are also changing. The requirements for ATM monitoring will also be constantly updated and improved. About video images The related intelligent technology will also be applied to ATM monitoring products.
Such as verification of customer information through iris, face recognition, fingerprint recognition, etc., to ensure the accuracy of depositor information, to avoid real-time illegal activities of bank cards by criminals, and face recognition technology can also achieve access in self-service banks or financial systems The functions such as control and alarm for the presence of criminals in the control area can also be used to automatically identify the characteristics of bank VIP users by using the monitoring system in the lobby of the mall, and notify the customer service staff to do a good job in time.
The intelligent analysis function of the video file can realize the query of the required data from the massive data, thereby shortening the query time and improving the work efficiency; for the action analysis function of personnel in the specific area of ​​the self-service bank, the system automatically analyzes the wandering, staying, illegal Suspicious behavior such as climbing, and automatically save the behavior and path of suspicious targets. The goal can be a single goal or multiple goals. When the above problems occur, they can directly notify the management personnel.
The post-processing technology for video image data can meet the requirements of self-service bank ATM monitoring data clarity. It can pass the recorded data through a special algorithm to make local image features clearer. For example, when there is a problem, the playback video signal is not clear. The process of dispute transactions or the physical characteristics of criminal suspects cannot be seen clearly, and this technology can solve the above-mentioned solutions to meet the needs of different departments for image data.
Conclusion
Video surveillance technology is developing in the direction of digitalization, networking and intelligence. Yuantuo Technology, as a self-service bank monitoring field in the financial industry, will continue to use new technologies in the field of monitoring. By perfecting the functions of ATM monitoring hosts, it is better and safer. To provide quality services to users.
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