EAST February 2011 Update
European ATM Security Team (EAST)
What to do with a Stained Banknote?
EAST has recently put up a page on its website offering information and advice relating to stained banknotes, with a view to increasing public awareness.
To deter crime, money dispensed by ATMs is increasingly protected by Intelligent Banknote Neutralisation Systems (IBNS). These systems activate in the event of a robbery or theft, and stain the banknotes (typically red, a purple variant or green).
Stained banknotes are removed from circulation by National Central Banks, but retailers and members of the general public should be aware that if they receive a stained banknote, it is almost certainly a stolen banknote, and should not be accepted.
To find out more, and for links to other sources of information, visit the Stained Notes page on the EAST website.
23rd EAST Meeting held at Automatia in Helsinki
The 23rd Meeting of EAST National Representative Members was hosted by Automatia in Helsinki, Finland on 9th February 2011. National updates were provided by 16 countries. Europol
attended the meeting as an observer, and presentations were made by the Finnish Police, Europol and Automatia (on the Dual Card Reader found on all Otto. ATMs – for information see the Case Study below).
EAST Fraud Update 1 - 2011 will be produced shortly, based on the updates provided at the meeting. EAST Fraud Updates are available on the EAST Website to EAST subscribers.
Case Study - ATM Dual Card Reader
In Finland all ATMs owned by Automatia (the ‘Otto’ brand) have two card readers. Anyone holding a Chip Card must put it into the Blue Card reader, and cards with just a magnetic stripe have to go into the Yellow Card reader. Instructions for use are clearly displayed on the ATM Screen.
Why two card readers? This goes back to the mid 1990’s when the Finnish banks bought an electronic purse scheme (‘Avant’) – in order to credit the electronic purse, which was a card with a Chip, a separate DIP card reader was needed. This reader became the Blue reader. The ‘Avant’ scheme has now been discontinued, but in 2005 the Blue DIP reader was given EMV approval and as a consequence became the only permitted reader for EMV Chip cards for Automatia ATMs, while the Yellow card reader was left as the reader for non-EMV cards. When using the Blue reader, customers with EMV cards are able to keep their card in view at all times. Why was this step taken?
On 1st January 2005 a transfer of liability for fraudulent card use came into effect in Europe, commonly known as the EMV ‘Liability Shift’. For payments and transactions in Europe, this meant that the responsibility for losses due to fraudulent card transactions remained the responsibility of the card issuer (the bank issuing the card) if the card was not an EMV card, but became the responsibility of the acquirer (the bank or company operating the ATM) if the ATM was not upgraded to the EMV standard, or if it did not operate in accordance with the EMV standard. In the context of this, the dual card reader simplified the liability process for the acquirer, as one reader is made available for each type of card.
A dual card reader system is not in use anywhere else in the world, but it has been working well in Finland for several years now, with complete acceptance by both domestic card holders and by visitors to the country.
EAST gains representation from Canada
Interac Association has just joined EAST as the national representative member for Canada. While EAST is focussed on the Single Euro Payments Area (SEPA), Interac Association will participate as a non-SEPA member.
A recognized leader in debit card services, Interac Association is responsible for the development and operations of the Inter-Member Network (IMN), a national payment network that allows Canadians to access their money through Automated Banking Machines and Point-of-Sale terminals across Canada.
Formed in 1984, Interac Association is now composed of a diverse group of members, including banks, trust companies, credit unions, caisses populaires, merchants, and technology and payment related companies.
Both Canada and Russia are now represented at EAST as non-SEPA members.
EAST on Facebook
EAST is now on Facebook. This is to enable the Group to share publicly available information on cardholder security tips, crime prevention, and security awareness with a wider global audience.
You can find the EAST Facebook page at http://www.facebook.com/EASTatm
Become a Fan by visiting the page and choosing to 'Like' it. Fans can participate in discussions, and can post comments and images to the Wall.
EAST National Representative Member Profile – Slovakia
VUB Bank, member of international banking group Intesa Sanpaolo, is the second largest bank in Slovakia with nearly 1.2 million clients and a market share of approximately 20%. It has an extensive branch network across the country and through its Prague branch is present also in the Czech Republic.
As a universal bank, VUB offers a full range of banking products and services. The bank also operates several subsidiaries offering mutual funds, pension savings, consumer financing, leasing and factoring services.
EAST National Representative Contact – Slovakia
Telephone: +421 (2) 50552549