2025 ICBC Pub. 4 Issue 3

• Software Vulnerabilities: Malware and cyber threats often exploit outdated or unprotected systems. AI-based endpoint security tools can help safeguard ATM operating systems. • Cash Dispensing and Cash Trapping: Devices placed on ATMs can trap cash during a transaction. Physical sensors and tamper alerts can detect and respond to these threats. • Data Compliance: Encryption of hard drive data ensures that sensitive information is protected, supporting data integrity and privacy requirements. • Transaction Reversal Fraud: Criminals may try to reverse transactions after receiving cash. Monitoring transaction patterns can help identify and mitigate this type of fraud. • Man-in-the-Middle (MITM) Attacks: Attackers may intercept or alter communications between the ATM and its host. Secure communication channels and encryption help guard against interception and impersonation. Integrating ATMs, ITMs and point-of-sale systems into the surveillance network — ATM Terminal Security allows for seamless monitoring of transactional operations. TERMINAL SECURITY SUITE OVERVIEW The Terminal Security suite addresses common security concerns related to ATMs and ITMs by integrating a range of advanced tools: • PikoVIDEO • PikoTERMINAL • PikoVERIFY • PikoANALYTICS • RemoteView Electronic Journals and Security Plus • SAN Camera and Fraudulent Detection Engine This system combines AI-based surveillance, transaction validation and screen recording to help monitor and respond to both physical and digital threats. Key features include real-time monitoring and automated threat detection, which support terminal security operations and assist in dispute investigations. INDEPENDENT REPORT | 29

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