This invention generally relates to card reader security. More particularly, this invention relates to preventing placing a skimming reader over a card reader.
Automated teller machines (ATMs) have become well known and widely used. ATMs allow individuals twenty-four hour access to their bank accounts to conduct a number of transactions. One advantage to ATMs is their convenience to bank customers. Another advantage is the ability for banks to have transactions automated, which presents a cost savings to the bank.
One feature of ATMs is that they require a sufficient amount of information regarding a bank customer before allowing a transaction to be completed. The conventional way of providing such information to the ATM is by inserting a card that includes a magnetic strip containing customer information. Following that, the customer enters a personal identification number and gains access to their account(s). Some buildings include a vestibule housing the ATM. When the bank is closed, the vestibule is locked. A customer can temporarily unlock the door by inserting their ATM card in a reader near the door to the vestibule.
Maintaining customer account and access information confidential and secure has recently become problematic. Skimming readers have been developed that are placed over a card reader slot on an ATM or the card reader for entering the vestibule. These skimming readers read the magnetic strip on the card as a bank customer inserts their card for purposes of conducting a transaction with the bank. The skimming reader scans the magnetic strips and gathers the information regarding each individual and their account.
By using a hidden camera or a secretly located individual, the customer's access code (i.e., a manually entered PIN) can be gathered. That information combined with the information gathered by the skimming reader allows an unauthorized individual to gain unauthorized access to the individual's bank account or accounts and make illegal fund withdrawals.
There is a need for protecting against someone placing a skimming reader over the card reader associated with the ATM or the vestibule entry. This invention addresses that need.
This invention provides a card reader configuration that reduces or eliminates the possibility for someone to place a skimming reader over the card reader in a successful manner. With a disclosed example, even if a skimming reader is successfully placed over the card reader, the presence of the skimming reader will be readily visible apparent or it will interfere with the ability for the card reader to operate properly. Under either scenario, the skimming reader will be detectible, which prevents unauthorized access to personal information.
An exemplary disclosed card reading device includes a housing having a slot for receiving the card and an asymmetric exterior surface near the slot that includes a plurality of distinct surface portions aligned at oblique angles to each other.
In one example, the plurality of distinct surface portions are aligned at at least three different oblique angles relative to each other. In one example, each distinct surface portion is at least partially flat.
One disclosed example includes a notch in the housing that has a depth beyond a reference plane and a dimension for receiving at least a portion of a finger. The slot in this example is at least partially within the housing for receiving a card and has a first portion aligned with the notch and a second portion adjacent to the notch. With this example, when a card is inserted within the slot, some of the card is covered by the second portion of the slot and another portion of the card is aligned with the first portion of the slot and the notch such that it is accessible from outside of the housing. The configuration of the notch in one example effectively prevents a skimming reader from being unnoticeably positioned near a reader portion of the device.
The various features and advantages of this invention will become apparent to those skilled in the art from the following detailed description. The drawings that accompany the detailed description can be briefly described as follows.
The example configuration includes a plurality of at least partially flat surface portions 24, 26, 28, 30, 32, 34, 36 and 38, at various oblique angles relative to each other. Having the plurality of surface portions 24-38 at various, different angles makes it difficult, if not impossible, for a skimming reader to be designed to readily fit over the card reader housing 20 in a manner that it cannot be easily detected. In some examples, any attempt to place a skimming reader on top of the card reader housing 20 will fail absent significant efforts or techniques. Further, any appended skimming reader likely will be easily detected by someone attempting to properly use the card reader after the skimming reader is in place.
As can best be appreciated from
Additionally, the orientation of the planes 26′ and 28′ relative to the reference plane 40 are different. The plane 26′, for example, effectively intersects the reference plane 40 along a line 42, which is generally horizontal in the illustration. The plane 28′ intersects the reference plane 40 along a line 44, which is generally vertical in the illustration. The lines 42 and 44 are arranged transverse to each other. In one example, the lines 42 and 44 are perpendicular to each other.
As can be appreciated from
The notch 50 in this example has a dimension corresponding to an average width of an individual's finger. As best appreciated from
Referring to
In the illustrated example as shown in
In this example, the dimension of the notch 50 (and particularly the spacing between the surfaces 56) is arranged to allow the average human finger 70 to fit within the notch 50 during card insertion. If an individual attempted to attach a skimming reader to the housing 20 in a manner that would reduce the spacing between the surfaces 56, the typical finger would not be able to be received within the notch and the card 48 could not be fully inserted into the slot 46. Under these circumstances, the reader 60 will detect a partial read. In some examples, the reader 60 provides an alert indication whenever a number of partial reads exceeding a selected threshold occurs within a selected period of time. A number of partial reads, for example, may provide an indication that some alteration to the housing 20 has been made, which may provide an early alert that a skimming reader has been attached to the housing 20. By restricting the dimensions of the notch 50, the illustrated example make it even more difficult for the attachment of a skimming reader.
It is not possible to fully insert the card 48 without having unhindered access to the slot 50 because some of the card 48 is completely covered by the second portion 54 of the slot 46 when the card is fully inserted as shown in
As can be appreciated from
Strategically positioning and sizing the notch 50 provides enhanced safety in this example. An individual who attempts to gain access to a vestibule, for example, will not be able to fully insert their card because of the presence of a skimming reader that reduces any dimension of the notch 50. Failure to achieve full insertion of the card 48 results in the inability of the electronic reader 60 to properly read the card 48. When the individual is not able to gain access to that vestibule, that provides an indication that something is wrong. After several customer complaints, for example, the bank will be prompted to check the card reader housing 20 and could at that time discover the presence of the skimming reader.
Moreover, if one does not gain access to the vestibule, they will not enter their personal identification number (PIN) into the ATM and, therefore, the potential thief who has placed a skimming reader on the vestibule entry card reader, which may obtain its own full read even if the reader 60 does not, will not be able to gain access to the PIN number and will not be able to use any card information extracted by the skimming reader.
The illustrated example includes various features that provide enhanced safety and security for preventing unauthorized capturing of personal or banking information using a skimming reader, for example. The illustrated example includes a combination of security features. Any one of these, all of them or a sub-combination of them may provide sufficient security for a given situation. Those skilled in the art who have the benefit of this description will be able to select from an asymmetric surface configuration, a non-continuous surface configuration, a strategically dimensioned and positioned notch or a combination of these features to meet the needs of their particular situation.
The preceding description is exemplary rather than limiting in nature. Variations and modifications to the disclosed examples may become apparent to those skilled in the art that do not necessarily depart from the essence of this invention. The scope of legal protection given to this invention can only be determined by studying the following claims.
Filing Document | Filing Date | Country | Kind | 371c Date |
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PCT/US2005/015232 | 5/3/2005 | WO | 00 | 11/3/2006 |
Publishing Document | Publishing Date | Country | Kind |
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WO2005/109326 | 11/17/2005 | WO | A |
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