Detecting modifications to financial terminals

• US 20100287083A1
• Filed: 12/28/2007
• Published: 11/11/2010
• Est. Priority Date: 12/28/2007
• Status: Abandoned Application

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Blythe, Simon
• Application Number:
  US11/965,946
• Publication Number:
  US 20100287083A1
• Time in Patent Office: Days
• US Class Current: 705/35
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/2055 Anti-skimming aspects at ATMs

Abstract

A method of detecting unauthorized modifications of financial terminals includes receiving an electromagnetic profile from the terminal, comparing the received profile to a stored profile, and determining whether unauthorized modifications have been made based on the comparison. The determination may be based on a correlation coefficient and the method may include transmitting a stimulus profile in an active mode. A system for detecting unauthorized modifications to financial terminals includes a receiver to receive the emitted profile and a computing device. The computing device compares the received profile to the stored profile to determine whether unauthorized modifications have been made. The system may also include a transmitter to transmit a stimulus profile in an active mode, wherein the received profile is emitted by the financial terminal in response to the stimulus profile. The system may also be incorporated in the financial terminal.

Claims

1. A method of detecting an unauthorized modification of a financial terminal comprising:

receiving an electromagnetic profile emitted from the financial terminal;

comparing the received electromagnetic profile to a stored electromagnetic profile associated with the financial terminal; and

determining whether the unauthorized modification has been made to the financial terminal based on the comparison.

2. A method of detecting an unauthorized modification of a financial terminal defined by claim 1, further comprising:

calculating a correlation coefficient based on the comparison; and

determining whether the unauthorized modification has been made to the financial terminal based on the correlation coefficient.

3. A method of detecting an unauthorized modification of a financial terminal defined by claim 1, further comprising transmitting a stimulus profile to the financial terminal in an active mode, the received electromagnetic profile being emitted by the financial terminal in response to the stimulus profile.

4. A method of detecting an unauthorized modification of a financial terminal defined by claim 3, further comprising selecting at least one of a plurality of stimulus profiles adapted to be transmitted to the financial terminal

5. A method of detecting an unauthorized modification of a financial terminal defined by claim 1, further comprising selecting at least one of a plurality of equipment identification designators, the selected equipment identification designator being associated with the financial terminal and the stored electromagnetic profile.

6. A method of detecting an unauthorized modification of a financial terminal defined by claim 1, further comprising authenticating a user as a prerequisite to detecting the unauthorized modification of the financial terminal

7. A system adapted to detect an unauthorized modification of a financial terminal comprising:

a receiver adapted to receive an electromagnetic profile emitted from the financial terminal; and

a computing device operatively coupled to the receiver, the computing device being adapted to compare the received electromagnetic profile to a stored electromagnetic profile associated with the financial terminal, the computing device being adapted to determine whether the unauthorized modification has been made to the financial terminal based on the comparison.

8. A system adapted to detect an unauthorized modification of a financial terminal defined by claim 7, wherein the computing device is adapted to calculate a correlation coefficient based on the comparison, the computing device being adapted to determine whether the unauthorized modification has been made to the financial terminal based on the correlation coefficient.

9. A system adapted to detect an unauthorized modification of a financial terminal defined by claim 7, further comprising a transmitter adapted to transmit a stimulus profile to the financial terminal in an active mode, the received electromagnetic profile being emitted by the financial terminal in response to the stimulus profile.

10. A system adapted to detect an unauthorized modification of a financial terminal defined by claim 9, wherein the computing device is adapted to select at least one of a plurality of stimulus profiles adapted to be transmitted to the financial terminal in response to user selection.

11. A system adapted to detect an unauthorized modification of a financial terminal defined by claim 7, wherein the computing device is adapted to associate at least one of a plurality of equipment identification designators with the financial terminal and the stored electromagnetic profile.

12. A system adapted to detect an unauthorized modification of a financial terminal defined by claim 7, further comprising an authentication device operatively coupled to the computing device, the authentication device being adapted to authenticate a user as a prerequisite to detecting the unauthorized modification of the financial terminal.

13. A system adapted to detect an unauthorized modification of a financial terminal defined by claim 7, further comprising at least one of serial/parallel ports, a monitor, keyboard, variable gain amplifier, and tunable filter.

14. A system adapted to detect an unauthorized modification of a financial terminal defined by claim 7, wherein the transmitter comprises high-speed memory and an analog-to-digital converter (ADC).

15. A system adapted to detect an unauthorized modification of a financial terminal defined by claim 7, wherein the system is adapted to be incorporated in the financial terminal

16. A computer-readable medium comprising instructions, wherein execution of the instructions by at least one computing device detects an unauthorized modification of a financial terminal by:

receiving an electromagnetic profile emitted from the financial terminal;

comparing the received electromagnetic profile to a stored electromagnetic profile associated with the financial terminal; and

determining whether the unauthorized modification has been made to the financial terminal based on the comparison.

17. A computer-readable medium comprising instructions defined by claim 16, wherein execution of the instructions by at least one computing device detects an unauthorized modification of a financial terminal by:

calculating a correlation coefficient based on the comparison; and

determining whether the unauthorized modification has been made to the financial terminal based on the correlation coefficient.

18. A computer-readable medium comprising instructions defined by claim 16, wherein execution of the instructions by at least one computing device detects an unauthorized modification of a financial terminal by transmitting a stimulus profile to the financial terminal in an active mode, the received electromagnetic profile being emitted by the financial terminal in response to the stimulus profile.

19. A computer-readable medium comprising instructions defined by claim 18, wherein execution of the instructions by at least one computing device detects an unauthorized modification of a financial terminal by selecting at least one of a plurality of stimulus profiles adapted to be transmitted to the financial terminal

20. A computer-readable medium comprising instructions defined by claim 16, wherein execution of the instructions by at least one computing device detects an unauthorized modification of a financial terminal by selecting at least one of a plurality of equipment identification designators, the selected equipment identification designator being associated with the financial terminal and the stored electromagnetic profile.