EP2317484A1 - ATM with customer awareness system - Google Patents

Abstract

The machine has sensors (17) e.g. laser sensors, radar sensors, infrared sensors, optical sensors and optoelectronic sensors, for activating an audio-visual system when a customer approaches the machine, and a set of displays with partially reflecting secret mirrors (1). A set of cameras (16) is arranged behind the secret mirrors for monitoring surrounding of the customer, and information about money transfer process and/or operation process of the machine are transmitted to the customer in visual and audio form. An identifying unit identifies the customer. An independent claim is also included for a method for raising awareness to a customer about theft of a personal identification number and a bank card.

Description

The invention relates to an ATM, which contains an audiovisual system, which is triggered when approaching the ATM by means of electronic sensors and which visually and / or audibly communicates information to a customer for money transfer process and / or operation. Furthermore, the invention relates to a method for sensitizing customers when withdrawing and / or depositing amounts of money at an ATM and a system which is integrated in a self-service machine.

The cases of fraud in which a customer of a banking institution withdraws money, the PIN (personal identification number) is copied and the money card is copied, increase drastically. In order to minimize the cases, financial institutions will place signs, notices and stickers with warnings in the customer's area and at the machines, to warn the customer against theft of the PIN or card. This process is called sensitization. However, surveys have shown that the customer does not read these signs in the banking institutions or is distracted by billboards and other information.

Especially the so-called "skimming" attacks are increasing. Here, data from credit cards or bank cards are illegally spied out and the data of the card is read out from magnetic strips and copied onto counterfeit cards. The data of the cash card are applied to a blank blank card, with the fraudsters then - together with the PIN - can withdraw cash at ATMs. As the card remains in the possession of the owner, the holder of the account usually notices this attack when the account statements are collected or when the bank intervenes after the overdraft facility has been overdrawn.

However, there are already different variants to counteract the "skimming" attacks. In the prior art, for example, card readers for ATMs are described to prevent illegal copying of the card. Examples include anti-skimming attachments on the card slots, scanning the electro-magnetic environment, and boosting EPP input fields. An EPP input field comprises an "encrypting PIN pad" for the detection and encrypted processing of the PIN (PIN) and other operating functions for secure and encrypted communication.

Furthermore, the ATMs can be introduced into dwellings, which prevent the attachment of, for example, cameras with which the PIN could be spied. However, most efforts are quickly bypassed by sophisticated adaptations.

It is accordingly an object of the invention to provide a device which causes sensitization of the customer in the money transfer process.

The object is solved by the independent claims. Advantageous embodiments will be apparent from the dependent claims.

a.

ein mit dem Geldautomat verbundenes audiovisuelles System, beim He- rantreten an den Geldautomaten mittels elektronischer Sensoren ausge- löst wird,

b.

der Geldautomat ein oder mehrere Bildschirme umfasst, die eine teilver- spiegelte Spionspiegelfläche aufweisen und hinter der Spionspiegelflä- che ein oder mehrere Kameras zur Überwachung der Kundenumgebung angeordnet sind, wobei

c.

einem Kunden Informationen zum Geldtransfervorgang und/oder Be- dienvorgang visuell und/oder auditiv übermittelt werden.

There is provided an ATM for withdrawing and / or depositing funds, wherein

a.

an audiovisual system connected to the cash dispenser, which is triggered by electronic sensors as it passes through the ATM,

b.

the ATM comprises one or more screens having a partially mirrored spy mirror surface and having behind the spy mirror surface one or more cameras for monitoring the customer environment, wherein

c.

Information about the money transfer process and / or operation is transmitted visually and / or audibly to a customer.

In the ATMs advantageously an audiovisual system is integrated. Such a system, for the purposes of the invention, describes a combination of sensory impressions directed to auditory and visual perception. The system is triggered by coming to the ATM by means of electronic sensors or by operating the ATM. It may be preferable for the audiovisual system to display music and / or pictures while not in use, for example. A customer is preferably a person who wants to deposit and / or withdraw funds.

a.

ein mit dem Automat verbundenes audiovisuelles System, beim Heran- treten an den Automaten ausgelöst wird,

b.

der Automat ein oder mehrere Bildschirme umfasst, die eine teilverspie- gelte Spionspiegelfläche aufweisen und hinter der Spionspiegelfläche ein oder mehrere Kameras zur Überwachung der Kundenumgebung angeordnet sind, wobei

c.

einem Kunden Informationen zum Bedienvorgang visuell und/oder audi- tiv übermittelt werden.

Furthermore, an audiovisual system of a self-service machine is provided, wherein

a.

an audiovisual system connected to the machine, which is triggered when the machine is approached,

b.

the machine comprises one or more screens having a partially mirrored spy mirror surface and having one or more cameras for monitoring the customer environment behind the spy mirror surface, wherein

c.

A customer information about the operation visually and / or auditive are transmitted.

The system can be used to sensitize customers when operating a self-service machine.

The system is preferably integrated in a self-service machine, which is set up, for example, in a bank. A self-service machine (self-service machine) in the sense of the invention is in particular a machine comprising a bank statement printer, an ATM for depositing and / or paying out amounts of money or a service terminal. Advantageously, however, the system can also be used in conjunction with other machines. For example, a customer may be a person who wishes to operate the machine to deposit and / or withdraw funds or retrieve information. The machine can also be set up outside a bank, but connected to the bank. Thus, it may be advantageous if the machine is attached to an outer wall of the banking institution and is accessible to a customer from outside the banking institution. The self-service machine could also be set up in a different location, whereby preferably a permanent connection is established, for example by remote data transmission with the bank.

The identification of the customer at the machine (eg an ATM) preferably takes place by means of identification means, comprising card readers for magnetic and hybrid applications, input of a PIN via a TFT touch screen or a screen and keypad. However, it may also be preferable for a customer to activate the system by entering the sensor area. The system is then started and the customer is provided with audiovisual information about the screens and / or speakers.

It may be preferable for a customer to activate the system by inserting a cash card into the system or machine, touching a TFT touch screen, or pressing a key. At the beginning, the customer is advantageously informed of a brief introduction to the audiovisual system, this being auditory and / or visual means. The customer can start the money transfer process immediately and independently of the audiovisual system.

For this purpose, the customer may prefer to authorize by means of a cash or smart card on which digital information is stored at the ATM. The card can be inserted into a card reader for magnetic and hybrid applications, the information being verified by the ATM. The identification of the customer can advantageously also be effected by entering a PIN via a TFT touch screen or a screen and keypad or via biometric means. After successful authorization or identification, the customer can start a money transfer process. However, it may also be preferred that the customer only wants to retrieve information about his customer account via the ATM or to execute a transaction. Advantageously, the cash card dwells during the operation within the machine.

During the presence of the customer in the sensor area of the machine, information about the sensitization is transmitted visually and / or audibly to the customer. For visual communication, one or more screens are preferably used which are integrated in the ATMs. Advantageously, the screens are arranged in the ATM such that a customer standing in front of the ATM receives a good view of them. For example, the visual information may visually guide the customer through the operation, i. it preferably obtains information on which point of the operation (for example, the money transfer operation) it is currently in and which point follows next.

It is preferred that the audiovisual system include one or more screens and speakers. The screen and / or the layer in front of the screen preferably consists of a spy mirror surface. This is in particular a one-sided mirrored or partially mirrored surface which causes light incident on the mirror surface to reflect on one side and pass through on the other side without being mirrored. In particular, such surfaces have a very low degree of light transmission and a high degree of light reflection. The mirror surfaces may, for example, have a thin metal oxide layer which transmits parts of the incident light and reflects only a certain portion of the light. Thus, the customer gets conveyed that the ATM includes mirrors that allow the customer to observe his backward environment. This means that the customer can make a cash transfer at the ATM and at the same time observe his backward environment. As a result, the customer may own detect if it is observed during the money transfer process and intervene and restore, for example, a safety margin.

On the one hand, screens are arranged behind the spy mirror surfaces, which inform the customer visually about the money transfer process and / or operating procedure and, on the other hand, one or more cameras are located behind the spy mirror surfaces. The cameras prefer to observe the ATM environment and monitor it. It may be preferred, for example, that the cameras are connected by real-time transmission with a surveillance room and there security personnel simultaneously analyzes the environment of the ATM. Advantageously, however, the operating area of the ATM can not be viewed by the cameras, whereby the money transfer process remains unobserved and the privacy of the customer is protected. The cameras can also advantageously serve the recording. As a result, for example, after an illegal intervention, the closer environment of an ATM can be analyzed. Advantageously, the cameras are activated only by pressing the ATM or approaching them.

The auditory system preferably comprises loudspeakers adjustable in volume, which are integrated or incorporated in the machine and / or the dwelling of the machine. Through the loudspeakers, information about the operating procedure can preferably be communicated to the customer during the presence in the sensor area of the machine.

The sensor (s) used to activate the system preferably comprise optical, optoelectronic, infrared, laser or radar sensors or optoelectronic sensors adapted to the field of use, which are preferably integrated in the housing of the machine. The sensors are preferably not visible to the customer. The sensors can be adapted to the design and the Bauhausung of the various functions of a machine. As soon as a customer approaches the machine and enters the detection area of the sensors, a signal, preferably an electrical signal, is sent to a control center, whereby the control center activates the system and audiovisual information is transmitted via the screens and / or the loudspeakers. The control center can be, for example, an electronic device, such as a computer or a chip, for example, integrated in the machine or the control program of the machine. However, it may also be preferred that the control center be present as a separate unit or electronic device in the housing or the vending machine.

The preferred application of the machines according to the invention are banking institutions, but the machines can be adapted to different installation situations by simple design changes. The dwelling of the machines is preferably made of metal, the dwelling can also serve to record the audiovisual means. Advantageously, the dwelling is reinforced steel, to protect against burglary or vandalism. Furthermore, the dwelling can also record a standard video surveillance of the machines. This is preferably arranged behind the spy mirror.

Advantageously, the audiovisual means are adapted in time to the money transfer operation or the operation, wherein during the money transfer process and / or operation preferably predefined audiovisual information is reproduced to the customer. Advantageously, the customer's attention to the particular point of the operation, for. B. the money transfer process directed, for example, the input of the PIN, the input or output of the cash card or the cash dispensing. This will increase the customer's attention while using self-service machines or ATMs. The customer can observe his environment and his concentration is directed by the audiovisual system to the money transfer process.

Also, advantageously, security advice may be passed from the audiovisual system to the customer. This can advantageously be carried out continuously or discontinuously. The safety instructions include warnings regarding skimming attacks, caution when entering the PIN, caution when storing the loyalty card, etc.

The invention further relates to a method for sensitizing customers when withdrawing and / or depositing funds at an ATM, wherein an audiovisual system connected to the ATM is started when approaching the ATM, advantageously by means of electronic sensors, and the ATM one or more screens comprises, which have a spy mirror surface and behind the spy mirror surface one or more cameras are arranged, with a customer information about the operation visually and / or auditory are transmitted. The process allows the customer to be effectively sensitized during a money transfer process. Advantageously, the method can also be integrated into other ATMs known in financial transactions, for example transfer terminals.

Fig. 1

Detaillierte Darstellung der Komponenten des Geldautomaten

Fig. 2

Frontansicht eines Geldautomaten

The invention is explained below by way of example with reference to figures, but without being limited to these. It shows:

Fig. 1

Detailed illustration of the components of the ATM

Fig. 2

Front view of an ATM

Fig. 1 provides a detailed representation of the components of the ATM. The spy mirror 1 is mounted perpendicular to the customer side and should be placed clearly visible on the machine. The tight-fitting OHP film 11 which preferably lies between the carrier plate 2 and the spy mirror 1 can serve both as a colored background and as a shielding region for the openings 3, 4 to form a visual medium 13 and an auditory medium 14. A visual medium 13 may be, for example, a screen. It is advantageously integrated at least one screen in the machine, and it may also be preferable to install multiple screens. The auditory medium 14 preferably includes speakers. Also, if necessary, sensors 17 may be covered by the film 11 and housed in further openings. For example, an OHP (overhead projector) film includes a PVC film.

The openings 3, 4 are arranged so that information can be easily readable transmitted to the customer. The openings 3 are preferably adapted exactly to the visual 13 and auditory 14 media. These are preferably covered by a base plate 5 in which each Kabelführungsnuten 6 are located. The Kabelführungsnuten 6 run together centrally and come together on the recess for the control unit 8. The components are preferably brought together in a housing or dwelling 7. The control unit 10 can be mounted in the region of the recess 8 on, for example, retaining brackets 15. The entire control unit 10 preferably receives a separate housing 9 from which only one cable outlet 12 is necessary.

Fig. 2 shows a front view of an ATM during operation. The customer steps in front of the machine and can observe the rear area through the spy mirror 1. The control unit reproduces a pleasant background noise via the auditory medium 14. Sensitization texts or pictures, which may, for example, represent safety instructions, are permanently flashing. When the customer enters the detection area of the electronic sensor, a contact is preferably triggered. This advantageously activates the visual and / or auditory control. The first visual medium 13 becomes visible and the auditory medium 14 is activated. Time-shifted, the second visual medium becomes visible and the next acoustic medium is played.

Advantageously, further optical and acoustic media are played in a timely manner to the operating process, while the customer enters his PIN and, for example, selects a monetary amount. Thereafter, the money card is ejected preferred. Other optical and acoustic media are reproduced. The machine separates the amount of money and gives the amount of money to the customer. Advantageously, the last visual and auditory medium is reproduced in coordination with the temporal operating sequence and then terminated.

LIST OF REFERENCE NUMBERS

1

Spymirror

2

support plate

3

Opening for visual medium

4

Opening for auditory medium

5

baseplate

6

cable guides

7

housing

8th

recess

9

casing

10

control unit

11

OHP film

12

Cable outlet

13

Visual medium

14

Auditory medium

15

retaining brackets

16

camera

17

sensor

Claims (8)

ATM, for withdrawing and / or depositing funds, characterized in that a. an audiovisual system connected to the cash dispenser, which is triggered by electronic sensors as it passes through the ATM, b. the ATM comprises one or more screens having a partially mirrored spy mirror surface and having behind the spy mirror surface one or more cameras for monitoring the customer environment, wherein c. Information about the money transfer process and / or operation is transmitted visually and / or audibly to a customer. ATM according to claim 1, characterized in that the identification of the customer via identification means is done. An ATM according to claim 1 or 2, characterized in that the audiovisual system comprises one or more screens and speakers. ATM according to one or more of the preceding claims, characterized in that the screens and speakers are integrated in the ATMs and / or the habitation of the ATM. ATM according to one or more of the preceding claims, characterized in that the sensors comprise optical, opto-electronic, infrared, laser or radar sensors. A method for sensitizing customers to withdraw and / or deposit funds at an ATM according to one or more of the preceding claims, wherein an audiovisual system connected to the ATM is started as it approaches the ATM, and the ATM comprises one or more screens which have a spy mirror surface and behind the spy mirror surface, one or more cameras are arranged, with a customer information about the money transfer process and / or operation visually and / or auditory are transmitted. System of a self-service machine, characterized in that a. the audiovisual system connected to the machine is triggered when the machine is approached, b. the machine comprises one or more screens which have a partially mirrored spy-mirror surface and one or more cameras are arranged behind the spy-mirror surface, c. wherein information about the operation visually and / or auditory transmitted to a customer. Use of the system according to claim 7 to sensitize customers when operating a self-service machine.

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