Cash-machine fraud: foiling the tricksters

ATM ball mirrors by Satoru Kusakabe Many of the suggestions dealt with awareness of those around the ATM user

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Have you ever stood at a cash machine and received a friendly tap on the shoulder to alert you to a discarded £20 note on the ground?

If so, then shortly afterwards - after you crouched to pick it up - you probably noticed that your card and perhaps the cash you were withdrawing had disappeared.

Some £33m was lost to cash-machine fraud in the UK in 2010.

Although the figure has been falling in recent years, the industry is still trying to find ways of reducing it further.

As part of this, 13 students were commissioned to come up with designs to make ATM use safer.

Not all of their ideas will make it into production, but some - which have been exhibited at Central St Martins College in London - do raise some interesting views on how consumers can be safer when they take out their cash.


ATM fraud caused losses of £45.7m in 2008 and £36.7m in 2009 in the UK.

Much of this was the result of distraction thefts, and some of the ideas in the Design Against Crime exhibition highlighted ways of ensuring strangers, and potential thieves, did not enter the ATM users' personal space.

ATM ball mirrors by Satoru Kusakabe allows people to see who is around them, by attaching the two round mirrors in their peripheral vision at either side of the ATM.

Queue Pole by Philemon Tcherkassof Some of the designs were relatively simple, such as this queue pole

"It should be cheap and easy to fit," says the 26-year-old student from Tokyo.

The design caught the attention of Graham Mott, head of development at Link, which oversees the UK's ATM network.

"Some ideas are more practical than others, and this would be very easy to do," he says.

"This is an evolving process. We have seen over time that criminals' techniques have changed, so we need to change, too."

Another way of keeping strangers back from an ATM when it is in use is Philemon Tcherkassof's queue pole, which he says taps into people's subconscious by making them wait behind the physical boundary.

Similar techniques have been trialled to create a safe space around ATMs, such as a marked box, and even street art, which prevents people standing too close to the cash-machine user.

Pin protection

Marcus Willcocks, research fellow at Central St Martins, who oversaw the project, says that the students were given a brief to reduce the opportunities for thieves.

The precaution system by Zsofia Ujhelyi  The precaution system by Zsofia Ujhelyi aims to ensure people shield the keypad

This could include preventing the snatching of cash, and reducing the chances of opportunists peering over the shoulder of somebody at a cash machine.

Many machines carry a warning to users to ensure they shield the keypad when entering their four-digit Pin code.

Zsofia Ujhelyi, a 24-year-old student from Budapest, has created a design which means the ATM will not work unless the keypad is shielded.

Users would have to press a series of buttons with the side of their hand to show that they are covering the keypad when entering their Pin.

Charlie Rohan, of NCR, a major manufacturer of ATMs which part-funded the project, says the students' ideas will feed into work carried out by the company's own engineers in Dundee.

Some designs, he admits, will be rejected because of practicalities - such as requirements that the machines do not cause a problem on narrow pavements. These issues often arise when planning permission is sought for new ATM locations.

A new range of ATM designs is brought out every three-to-five years, including new behind-the-screen protection technology, but machines need to be made so they can be updated and upgraded.

Ultimately, he says, designs should encourage people to change their behaviour to ensure they protect their card and code.

NCR has also funded work from Delft University of Technology in the Netherlands.

Students there will exhibit their ideas this week on how technology can be used to reduce ATM fraud.


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  • rate this

    Comment number 34.

    Someone tried that 'note on the floor' scam on me once. I said "Thanks!", put my foot on the note, finished my transaction, picked up the note and walked off with their money. Nice.

  • rate this

    Comment number 32.

    I was working in Greece a couple of years ago and the cash point I used are in what I would describe as a telephone box. It was clear glass so there was no problems with being caught in there and in danger. It was also air conditioned and spotlessly clean. It stops people getting too close to you whilst entering a pin etc. It also had CCTV and a screen showing who's behind you.

  • rate this

    Comment number 20.

    2. zaax
    A line like the ones used at airport check-in would only cost pence to paint and could be (if the banks paid more attention to their customers than their pockets) painted today.
    The banks don't own the pavements. Try and persuade your council to let you paint stuff on the roads and see how long it takes to get planning permission! Card fraud isn't in the banks interest either.

  • rate this

    Comment number 14.

    Combine cash machines with portaloos. Then when you go into the cubicle, not only do you have lots of privacy, but people won't know if you are withdrawing cash or making a deposit. And for those who are a bit shy, they can pretend they have just been in to use the ATM! Whose going to mug somebody who's just done their business? A new meaning for spending a penny!

  • rate this

    Comment number 5.

    I like The precaution system by Zsofia Ujhelyi to ensure people shield the keypad but can think of an obvious flaw, I have a friend whose left arm never fully formed, he would be unable to shield the keypad and type his pin in. Currently he can use an ATM one handed.


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