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Speaker 1: Get in touch with technology with text Stuff from Stuff stat.

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Speaker 1: Hey there, guys, it's Jonathan. This is Tech Stuff. It's

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Speaker 1: time for another classic episode. Yes, indeed, we are still

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Speaker 1: getting everything ready to go with our new studio. I'm

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Speaker 1: recording this in our old studio, so I'm just guessing

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Speaker 1: that that's true. At any rate, I wanted to talk

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Speaker 1: about a classic episode text Stuff withdraws from the a

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Speaker 1: t M. This one has my old buddy Chris Pallette

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Speaker 1: as the co host in this episode, and we talk

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Speaker 1: all about what a t M S are and I

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Speaker 1: think I say a t M machine and pen number

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Speaker 1: about a billion time. Enjoy. I'm talking about a t

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Speaker 1: M S today. And we've had a few people ask

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Speaker 1: us about how a t M S work. We assume

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Speaker 1: it was all on the up and up, not to

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Speaker 1: find out how they work so that you can exploit them.

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Speaker 1: I did find out an article about how to hack

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Speaker 1: into one. Wow. Well, and that gets a little complicated.

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Speaker 1: We'll talk about that. Why that is in the case, Yeah,

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Speaker 1: because it really does depend. But first let's talk about

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Speaker 1: how a t M S came to be. That's somewhat

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Speaker 1: in dispute. Yes, um, there there are multiple people who

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Speaker 1: were inventing things that resemble what a t M s

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Speaker 1: are today in different parts of the world around the

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Speaker 1: same time, although the earliest one I could find was

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Speaker 1: from a Mr. Luther sim Jean Yes who was born

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Speaker 1: in Turkey. It was the son of Armenians who were

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Speaker 1: sadly his family was was broken up during a genocide

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Speaker 1: in the early twentieth century, and he uh. He eventually

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Speaker 1: immigrated to the United States and he came up with

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Speaker 1: an idea that eventually he called the bank matic Automated

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Speaker 1: Teller machine. So that's where we get t M that's

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Speaker 1: he's the one who came up with the term. And

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Speaker 1: this was around nineteen nine. But this was doesn't really

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Speaker 1: resemble the way a t M s look and and

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Speaker 1: act now. But it was an idea of a of

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Speaker 1: an machine that would dispense money. And it was run

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Speaker 1: for a six month trial at the City Bank of

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Speaker 1: New York, which we now call City Bank. Yes uh.

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Speaker 1: And after the six months the trial ended and City

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Speaker 1: Bank decided not to extend the trial, not to implement it,

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Speaker 1: and um, at least according to one source I read,

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Speaker 1: the reason behind it was that it just didn't get

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Speaker 1: a lot of traction. The people people just didn't want

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Speaker 1: to use a machine to interact with their bank accounts.

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Speaker 1: They preferred to have a person to person interaction in

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Speaker 1: a bank. And apparently the people who were using it

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Speaker 1: were a bunch of air dwells. Yeah, I read about

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Speaker 1: that too. Basically, they they the idea of being that

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Speaker 1: the only people who would not want to talk to

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Speaker 1: a teller are the people who would prefer that you

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Speaker 1: didn't know they were depositing or withdrawing money in the

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Speaker 1: first place. Yea, so we're talking about people with ill

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Speaker 1: gotten game gamblers, for example, places where gambling was not legal,

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Speaker 1: and um, you know, you might not want to have

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Speaker 1: to answer tricky questions like how did you come upon

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Speaker 1: this sum of money, my good man? Yes, yes, exactly. So. Anyway,

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Speaker 1: that was the first recorded incidents I could find of

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Speaker 1: someone trying to create an a t M. Yes, and

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Speaker 1: again it was it was an interesting experiment that ultimately

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Speaker 1: failed at that time. Yeah. Now, a lot of what

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Speaker 1: I read about the early days of a t M

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Speaker 1: s UM, they weren't a t M s. They didn't

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Speaker 1: function like today's machines do. UM. In some cases, you

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Speaker 1: needed a special card that wasn't actually tied to your

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Speaker 1: your bank account. In fact, a lot of them used

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Speaker 1: credit cards instead UM. For a long time credit cards

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Speaker 1: will look down upon UM. But some of them use

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Speaker 1: special vouchers or coins, yes, and a token. Yeah. And

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Speaker 1: in Britain you had to UH on one of the

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Speaker 1: early trials, you had to go inside and get a voucher.

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Speaker 1: You would get a ten pound voucher. So if you

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Speaker 1: wanted fifty pounds, you have to get five vouchers. That

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Speaker 1: would you take outside of the machine, which raises the

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Speaker 1: question why would you not just go and withdraw the

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Speaker 1: money directly while you're there, unless, of course, you just

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Speaker 1: wanted the convenience of being able to get at ten

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Speaker 1: pounds at any given time in the future. And I

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Speaker 1: guess that's the argument you'd have to make, Like, instead

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Speaker 1: of walking out the bank with fifty pounds, which you

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Speaker 1: know you may or may not need at that time,

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Speaker 1: you could have uh five ten pound vouchers, and then

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Speaker 1: as the as you go about your business throughout the

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Speaker 1: coming days, you realize, oh, I need some more walking

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Speaker 1: around money or getting about money, as I like to say,

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Speaker 1: you would go and use one of those vouchers to

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Speaker 1: get some more money out, but it did seem to

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Speaker 1: decrease the convenience factor of the automated teller machine somewhat.

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Speaker 1: But yeah, in this case, you wouldn't need a card

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Speaker 1: with stuff and coded on it. You would just need

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Speaker 1: your voucher to put in and then it would spit

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Speaker 1: money out. It became like a money vending machine. Yeah. Yeah.

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Speaker 1: And uh in n in Britain there was a several

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Speaker 1: banks used a device UM that would use a card,

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Speaker 1: but not a card that you always carried with you.

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Speaker 1: It basically worked like the voucher. You'd stick the card

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Speaker 1: in the machine, you get your money out in the

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Speaker 1: machine would keep your card, which is kind of a

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Speaker 1: pain in the neck. Yeah, it's kind of what happens

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Speaker 1: to you now when your machine eats your card and

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Speaker 1: uh yeah, I've had that happen too. That's not a

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Speaker 1: good feeling, is it, um, Yeah, except this time in

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Speaker 1: this case we're talking about it doing it on purpose.

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Speaker 1: Uh yeah. So some of the other players in this space,

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Speaker 1: and this mainly the real development of a t M

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Speaker 1: S yawned. The early ninety nine example took place in

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Speaker 1: the sixties, so you had people like James Goodfellow who

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Speaker 1: he secured a patent on an A t M like

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Speaker 1: machine in nineteen sixty six. He also came up with

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Speaker 1: the idea of storing a personal identification number on a

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Speaker 1: magnetic strip that would be printed on the back of

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Speaker 1: a card, so that would become the A t M

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Speaker 1: card eventually. Uh. They had also John D. White who

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Speaker 1: invented a free standing automated teller machine. A lot of

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Speaker 1: these other machines were built into the corner of a building.

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Speaker 1: It was actually part of a larger structure. UM. This

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Speaker 1: was more of a free standing UM machine. Uh. And

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Speaker 1: then there's John Shepherd Baron, who I think I think

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Speaker 1: most sources I saw credited him as the true father

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Speaker 1: of the a t M. Yeah, John Shepherd Baron, because

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Speaker 1: he was the guy who created the first real fully

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Speaker 1: electronic automated teller machine and uh, and the very first

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Speaker 1: one wasn't stalled in Barclays Bank in London in nineteen

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Speaker 1: sixty seven. But you also had Don Wetzel. Now he

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Speaker 1: was working in America and his machines started coming out

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Speaker 1: around nineteen sixty eight, and he was known to have

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Speaker 1: worked at least in part on Shepherd Baron's work as well.

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Speaker 1: He kind of took Shepherd Baron's work and then uh

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Speaker 1: change things like enhanced things and drop some things and

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Speaker 1: included other things. So uh, Sora used as a launching

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Speaker 1: point for his own work. So you get a lot

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Speaker 1: of conflicting information about who is really the inventor of

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Speaker 1: the A t M. I think part of it depends

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Speaker 1: on where you're from. If you're from England, then it's

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Speaker 1: John Shepherd Baron, Yeah, and uh in UM, the National

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Speaker 1: Museum of American History, the Smithsonian recognized wet cell Um

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Speaker 1: and his company Docutel, which was a baggage handling company UM,

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Speaker 1: as the people who created the A t M. So

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Speaker 1: it's yeah, I guess. And like I said, it all

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Speaker 1: depends on who you ask, sort of like television, yeah,

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Speaker 1: or radio. Yeah, they're like many other inventions. There's uh

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Speaker 1: the story. The real story is far more complicated than

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Speaker 1: just a factoid that you'll find in a history book. Yeah. Now,

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Speaker 1: I was gonna say. Now, even though in the sixties,

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Speaker 1: UM A t m s became a lot more common,

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Speaker 1: banks started as uh including them as part of their services. UM.

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Speaker 1: As a matter of fact, Uh, the Fortune article I

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Speaker 1: read by Ellen Florian Um and uh. Doris Burke and

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Speaker 1: Jenny Merrow basically was saying that they quoted a chemical

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Speaker 1: bank advertisement and said, um, on September two, our bank

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Speaker 1: will open at nine o'clock and we'll never close again.

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Speaker 1: And that was the Rockville Center branch at ten North

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Speaker 1: Village Avenue on Long Island. Yeah. The idea being that,

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Speaker 1: of course, you could access your account at any time

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Speaker 1: in withdrawals or transfers or whatever without having to go

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Speaker 1: into the bank. Because of course, the reason why people

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Speaker 1: were coming up with this in the first place was

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Speaker 1: for convenience, because bank hours are notoriously um short. Yeah,

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Speaker 1: that will people talk about bankers hours, where you know,

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Speaker 1: in order to actually go and visit the bank, you

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Speaker 1: might have to take time of your work day in

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Speaker 1: order to you know, and then you have to go

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Speaker 1: inside a bank and stand in line. See for some

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Speaker 1: of our listeners, this is going to sound completely foreign

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Speaker 1: to them because apart from maybe opening up a bank

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Speaker 1: account or perhaps going in for a loan or something

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Speaker 1: like that, you just don't have to do that anymore. Yeah,

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Speaker 1: I mean, if you want to do the day to

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Speaker 1: day stuff, depositing a check, finding out how much money

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Speaker 1: you have in the bank making withdrawal, maybe even transferring

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Speaker 1: money between accounts. You can do all that in an

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Speaker 1: a t M. Yea. In some cases you can do

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Speaker 1: some of that through online banking as well. So we've

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Speaker 1: we've almost completely eliminated the need to go into a

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Speaker 1: pysical space. But back in the day, it used to

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Speaker 1: be that if you wanted to do anything to do

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Speaker 1: with your money, you had to go and stand in

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Speaker 1: line and wait to talk to a teller and then

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Speaker 1: they pull up your records and you do all that

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Speaker 1: in person, face to face. And actually in the sixties,

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Speaker 1: back when uh, back when these were launching again, the

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Speaker 1: people weren't flocking to them immediately. There were In fact,

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Speaker 1: some banks were a little skeptical that people would ever

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Speaker 1: want to interact with a machine as opposed to a human.

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Speaker 1: They thought that the human interaction was a key component

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Speaker 1: of the banking process. And it really wasn't until the

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Speaker 1: eighties that a t M s started to truly take off. Well,

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Speaker 1: the Fortune article actually has a particular event that they

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Speaker 1: credit with the takeoff of the a t M and

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Speaker 1: what might that be. Well, as it turns out, it

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Speaker 1: took Mother Nature's involvement to spur people to use the

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Speaker 1: A T M. According to them, it's not nice to

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Speaker 1: fool mother nature. No, we know what side of the

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Speaker 1: bread your butter. Never mind. Anyway, in January in New

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Speaker 1: York they got seventeen inches of snow, which slowed business

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Speaker 1: to a crawl because a lot of places couldn't open.

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Speaker 1: And they said, um, again this is citing the Fortune article. Um.

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Speaker 1: There was a commercial that City Bank released saying, um,

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Speaker 1: you know, hey, you can use these machines anytime, whether

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Speaker 1: the bank's open or not. Uh. And they had a

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Speaker 1: new tagline, the City Never sleeps um, and it said, um,

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Speaker 1: see what they did there. The machines used increased during

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Speaker 1: the storm, and uh. City banks market share in New

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Speaker 1: York City deposits had doubled, and so the rest of

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Speaker 1: the banks moved to catch up, and that basically started

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Speaker 1: to evolution, at least in New York. Um. Of course

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Speaker 1: that's a lot of people, so that that can affect things.

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Speaker 1: And people go in there and see how people are

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Speaker 1: using the A t M s and they go back home,

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Speaker 1: you know yep. Yeah, And like I said, in the eighties,

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Speaker 1: that really started to take off. So I guess now

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Speaker 1: we can finally start getting into what makes up an

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Speaker 1: A t M and how they how they actually work. Uh. Now,

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Speaker 1: part of this involves the way that we access the

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Speaker 1: A t M s uh. And and not just with

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Speaker 1: the key the keypad or the touch screen, depending upon

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Speaker 1: the model that you're using, but the card you have,

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Speaker 1: your A t M card, whatever you're using to access

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Speaker 1: the A t M. And there are variations on this,

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Speaker 1: but all of them have a magnetic stripe or mag

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Speaker 1: stripe on them. And uh, you might say, well, what

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Speaker 1: the heck is a magnetic stripe? Well, it's kind of

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Speaker 1: what sounds like it's a uh, it's it's a plastic

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Speaker 1: like film. It's on the back of your card that

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Speaker 1: has lots and lots and lots of tiny iron based

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Speaker 1: magnetic particles. Yes, as a matter of fact, it's very similar,

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Speaker 1: if not nearly identical to the material that they used

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Speaker 1: to use in recording tape cassette tape cassette tapes, real

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Speaker 1: to real tapes, eight track tapes, also floppy disks. Yeah,

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Speaker 1: the material inside there, I mean, that's even most of

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Speaker 1: them are even the same brownish color. Right. And the

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Speaker 1: way you right to this strip is that you you

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Speaker 1: magnetize these little particles. Each of the particles acts like

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Speaker 1: its own bar magnet, right, and you magnetize them to

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Speaker 1: either have a north or south pole direction on each particle,

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Speaker 1: and so that's like bits, zeros and ones. So by

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Speaker 1: creating them in either a north or south pole direction,

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Speaker 1: and then you you've got thousands of these, right, and

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Speaker 1: in one strip. You can in code information that way,

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Speaker 1: and that information is going to have things like the

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Speaker 1: the account number on it, so that it has you know,

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Speaker 1: it's able to say this card belongs to this account. Uh.

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Speaker 1: It may also have the pin on their the personal

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Speaker 1: identification number, so that you can have that as sort

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Speaker 1: of a key pass entrigue. You know, as long as

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Speaker 1: the pen that you enter into the a t M

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Speaker 1: matches the one that's on the card and in the account,

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Speaker 1: as long as all three of those are are the same,

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Speaker 1: then you'll be able to access your information. So that's

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Speaker 1: on your card, which means of course that the A

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Speaker 1: t M has to have some sort of card reader involved,

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Speaker 1: which you know, it's a magnetic stripe reader that you know,

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Speaker 1: depending on the style of the A t M, it

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Speaker 1: maybe one where you put your card in and it

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Speaker 1: sucks it into the machine. And you hope when your

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Speaker 1: transactions over it will spit it back out again. Or

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Speaker 1: what I see most commonly now are the kinds where

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Speaker 1: you swipe it. You either have a vertical swipe where

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Speaker 1: you just swipe the card down the side of a

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Speaker 1: little reader, or you inserted into a slot and pull

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Speaker 1: it back out again quickly. And in either case, the

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Speaker 1: what happens is those little magnets go past a detector

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Speaker 1: because the magnets are in motion, and the detector detects

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Speaker 1: the difference of the magnetism on each of those little

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Speaker 1: bars and can read that as whatever the information is. Yeah,

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Speaker 1: so all the information that's printed on the card, um

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Speaker 1: the number that's embossed in the card in your name.

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Speaker 1: The machine is not reading or looking at any of

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Speaker 1: that stuff. It's taking everything from the magnetic stripe. Which

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Speaker 1: is why you should not put your your credit cards

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Speaker 1: or a T M S cards or anything like that

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Speaker 1: near powerful magnets, right because that could actually realign those

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Speaker 1: little magnetic particles inside the film. Some people call it

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Speaker 1: de magnetizing, but really it's just realigning those polls so

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Speaker 1: it no longer it might spout out gibberish. Now when

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Speaker 1: you when you swipe it or anyway it's not going

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Speaker 1: to correspond with your information and suddenly your card doesn't

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Speaker 1: work anymore. Yeah, you can also find the same thing

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Speaker 1: if you've used it too much or if the magnetic

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Speaker 1: stripe gets damaged in some way. Um. You know, some

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Speaker 1: people say the eel skin wallets. Yeah, I hear that

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Speaker 1: a lot, because you know, and there are a lot

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Speaker 1: of different theories about. Actually the theory I've heard that

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Speaker 1: seems to explain it the most, or it seems to

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Speaker 1: be the most logical to me. Eel skin wallets. Some

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Speaker 1: people claim came from electric eels and that it somehow

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Speaker 1: has some sort of electric impulse still stored in it

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Speaker 1: and that's what's screwing up the cards. Count me skeptical

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Speaker 1: on that one exactly. But a lot of these have

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Speaker 1: a magnetic clasp so that when you close it, it

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Speaker 1: remains closed. And the magnetic clasp depending on how your

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Speaker 1: card is, how you're storing your card in the wallet. Uh,

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Speaker 1: the stripe might be close enough to the magnetic class

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Speaker 1: that the magnetic class is is realigning those magnetic particles

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Speaker 1: in the film, So don't do that. Well. Yeah, so

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Speaker 1: once that, uh, you're you have the magnetic card reader.

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Speaker 1: We've talked about that and and basically the information is

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Speaker 1: going into a computer. Yeah, very basic CPU inside every

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Speaker 1: a t M and in fact a lot of them

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Speaker 1: run Windows. Yeah, which we'll get to. The earlier A

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Speaker 1: t M s were all proprietary. Oh yeah, Now that

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Speaker 1: was when if you had an account with UM Bank something,

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Speaker 1: you know, First National Bank, and you wanted to go

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Speaker 1: to Second National Bank, you were on your own. You

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00:17:35,280 --> 00:17:36,920
Speaker 1: have to find an a t M for with First

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00:17:37,000 --> 00:17:39,320
Speaker 1: National Bank or you are out of luck because your

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00:17:39,320 --> 00:17:44,200
Speaker 1: card wouldn't work the system wasn't compatible. However, it also

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Speaker 1: meant that those A t M s had the benefit

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Speaker 1: of security through obscurity. That's true because would be thief

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Speaker 1: would have to focus on a particular type of a

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Speaker 1: t M, and the things that might work on the

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Speaker 1: A t M would not necessarily work on a t

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Speaker 1: M s for other banks, So it's somewhat limited the

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Speaker 1: liability and the vulnerability of those machines. Once the machine

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Speaker 1: started to move toward more computer based operating systems like

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Speaker 1: Lenox and Windows, then you opened up new opportunities for

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Speaker 1: thieves to target specific parts of the A t M

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Speaker 1: infrastructure and uh, and made it in some ways more

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Speaker 1: vulnerable than the older models. Now I say that, but

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Speaker 1: the truth is you can actually find these older model

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Speaker 1: A t M s on plenty of sites like eBay

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Speaker 1: where you could buy an A t M if you

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Speaker 1: wanted to, and if your goal was to deconstruct, to

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Speaker 1: hack this a t M so you would learn how

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00:18:43,520 --> 00:18:47,040
Speaker 1: it works, you could potentially find vulnerabilities in that system

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Speaker 1: to exploit. Don't do that, it's illegal. You don't want

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Speaker 1: to do that, but there that That is one of

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Speaker 1: the downsides to the old systems too, is that you know,

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Speaker 1: it's not like these things or it's not like you

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Speaker 1: had to have a license to own one. You know,

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Speaker 1: you just had to buy one. So you just had

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Speaker 1: to find someone willing to sell one and then you

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00:19:07,800 --> 00:19:11,320
Speaker 1: could buy it. So but yes, you've got your CPU

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00:19:11,440 --> 00:19:14,159
Speaker 1: in there. Uh. However, the A t M is not

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00:19:14,280 --> 00:19:19,400
Speaker 1: its own standalone UM machine. Like it's not that it's

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00:19:19,560 --> 00:19:23,040
Speaker 1: it's disconnected from the outside world. No, but if you

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00:19:23,119 --> 00:19:25,160
Speaker 1: if you think about it, it's it's very much like

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00:19:25,400 --> 00:19:28,720
Speaker 1: the computer that sits on your desktop or laptop. So

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00:19:28,960 --> 00:19:32,959
Speaker 1: you've got a screen for a customer, uh. For basically

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00:19:33,040 --> 00:19:35,720
Speaker 1: is an output device. You've got a printer that prints,

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00:19:37,040 --> 00:19:39,080
Speaker 1: you've got an input device or maybe two. You might

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00:19:39,119 --> 00:19:40,840
Speaker 1: have a touch screen, you might have a key pad

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00:19:41,720 --> 00:19:45,480
Speaker 1: to type in members or both, um and hopefully both

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00:19:45,520 --> 00:19:49,520
Speaker 1: for those of people who have vision impairments, right, right.

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Speaker 1: And then you also have uh, basically an internet connection.

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Speaker 1: It may be on a private network. It might be

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00:19:56,840 --> 00:20:01,680
Speaker 1: some kind yeah, very, it might be a closed private connection,

348
00:20:01,760 --> 00:20:06,639
Speaker 1: but it goes to a whatever bank is behind that

349
00:20:06,720 --> 00:20:10,000
Speaker 1: particular a t M. Yeah, it'll have a network connection

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00:20:10,000 --> 00:20:13,600
Speaker 1: of some type to communicate with a server somewhere that

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00:20:13,680 --> 00:20:16,919
Speaker 1: has account information on it. So if you have three

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00:20:17,520 --> 00:20:20,679
Speaker 1: in your account you want to withdraw twenty dollars, it

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Speaker 1: will say, okay, well Jonathan's got three, so I can

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00:20:24,440 --> 00:20:27,960
Speaker 1: give him twenty dollars. And he's withdrawn twenty dollars, so

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00:20:28,240 --> 00:20:30,240
Speaker 1: it makes a note of that in the account, so

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Speaker 1: it says, now he has two left. Yeah. The way

357
00:20:33,040 --> 00:20:35,159
Speaker 1: this works is that so you could think of the

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00:20:35,560 --> 00:20:38,160
Speaker 1: especially the older a t M s Um, we're really

359
00:20:38,200 --> 00:20:40,960
Speaker 1: thin clients. Yeah they were, they were. You know. The

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00:20:40,960 --> 00:20:43,720
Speaker 1: the it had essentially enough power for it to read

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Speaker 1: the strip to uh uh two allow you to input

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00:20:49,440 --> 00:20:53,480
Speaker 1: your pen and to display the information. But then what

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00:20:53,520 --> 00:20:56,480
Speaker 1: it would do is the terminal that you're using would

364
00:20:56,600 --> 00:21:00,080
Speaker 1: connect to a host processor. Now this would be a

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00:21:00,160 --> 00:21:05,560
Speaker 1: computer that belongs to whatever financial institution again is owns

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00:21:05,640 --> 00:21:09,160
Speaker 1: that a t M. Now, if that's your bank, then

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00:21:09,200 --> 00:21:11,680
Speaker 1: that's pretty much where this ends. It goes, it refers

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00:21:11,720 --> 00:21:15,080
Speaker 1: to your account. Make it confirms that you that you

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00:21:15,119 --> 00:21:16,840
Speaker 1: are who you say you are, and that at least

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Speaker 1: according to your pen and that you have the funds

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00:21:19,960 --> 00:21:22,560
Speaker 1: that you require in order for you to get whatever

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00:21:22,600 --> 00:21:24,560
Speaker 1: it is you're asking. So again like in your example,

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Speaker 1: that you have at least twenty dollars you can withdraw um.

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00:21:28,800 --> 00:21:31,600
Speaker 1: And then it will send the information back to the

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Speaker 1: machine that you're at and either confirmed that it can

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00:21:35,200 --> 00:21:38,880
Speaker 1: dispense the cash or deny it, and then the machine

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00:21:38,960 --> 00:21:42,359
Speaker 1: does whatever it's supposed to do. Uh, if your bank

378
00:21:42,480 --> 00:21:44,960
Speaker 1: is a different bank, then what happens is the it

379
00:21:44,960 --> 00:21:47,320
Speaker 1: will go to the host processor. The host processor will

380
00:21:47,359 --> 00:21:52,160
Speaker 1: then route that request to the specific financial institution that

381
00:21:52,359 --> 00:21:56,359
Speaker 1: you belong to and get the permission there, and then

382
00:21:56,920 --> 00:22:01,919
Speaker 1: your bank essentially will wirelessly trays for funds to the

383
00:22:01,960 --> 00:22:05,439
Speaker 1: financial institution and charge of that a t M. And

384
00:22:05,480 --> 00:22:09,240
Speaker 1: then that financial institution will allow the a t M

385
00:22:09,280 --> 00:22:12,320
Speaker 1: to dispense cash because the money has been you know,

386
00:22:12,359 --> 00:22:15,119
Speaker 1: it's not losing money, it's had the wireless transfer from

387
00:22:15,240 --> 00:22:18,920
Speaker 1: your bank. This is also why you'll find a lot

388
00:22:18,920 --> 00:22:22,960
Speaker 1: of a t M s have those fees on them, Yes,

389
00:22:23,160 --> 00:22:27,480
Speaker 1: the usage fees, because otherwise, you know, it's just an

390
00:22:27,480 --> 00:22:29,879
Speaker 1: access thing that you know, banks are doing out of

391
00:22:29,920 --> 00:22:32,879
Speaker 1: the goodness of their hearts. But these are bankers. We

392
00:22:33,000 --> 00:22:36,800
Speaker 1: know they don't have that, right bankers and lawyers right,

393
00:22:37,800 --> 00:22:41,160
Speaker 1: So um, hey, I I watched the documentary Christmas Caroll.

394
00:22:41,320 --> 00:22:45,200
Speaker 1: I know how this works. Uh so, So in order

395
00:22:45,240 --> 00:22:47,280
Speaker 1: to make money off of these transactions, that's why you

396
00:22:47,280 --> 00:22:49,960
Speaker 1: have that usage fee, because you know it's going to

397
00:22:50,040 --> 00:22:53,000
Speaker 1: charge you for the whole process of having the money

398
00:22:53,000 --> 00:22:57,000
Speaker 1: transferred from your financial institution to the bank. And depending

399
00:22:57,040 --> 00:23:00,560
Speaker 1: upon the way that the different financial institution and operate,

400
00:23:00,640 --> 00:23:03,520
Speaker 1: you might actually have multiple fees on one transaction, which

401
00:23:03,560 --> 00:23:06,560
Speaker 1: is really irritating. Yeah, that's when you get the fee

402
00:23:06,680 --> 00:23:09,960
Speaker 1: from the second national bank from using it's a t M,

403
00:23:10,000 --> 00:23:11,800
Speaker 1: and then the fee from the first national bank for

404
00:23:11,920 --> 00:23:15,680
Speaker 1: wirelessly transferring the money to second national bank. You should

405
00:23:15,720 --> 00:23:19,280
Speaker 1: have used our a t M. Yeah, that's uh, that's terrible. However,

406
00:23:19,320 --> 00:23:21,119
Speaker 1: one of the bright sides of using a t M

407
00:23:21,160 --> 00:23:23,280
Speaker 1: S is that if you're in a foreign country and

408
00:23:23,359 --> 00:23:27,440
Speaker 1: you're using your card, it's automatically making the change exchange,

409
00:23:27,480 --> 00:23:30,680
Speaker 1: and it usually makes that exchange at a like you know, normally,

410
00:23:30,720 --> 00:23:33,119
Speaker 1: if you go into a financial institution to exchange currency

411
00:23:33,160 --> 00:23:36,040
Speaker 1: from one format to another, there's a fee placed on

412
00:23:36,119 --> 00:23:39,080
Speaker 1: top of that. So yes, so you're not going to

413
00:23:39,119 --> 00:23:42,720
Speaker 1: get a a perfect exchange from whatever currency you're using

414
00:23:42,760 --> 00:23:45,159
Speaker 1: to whatever you need. You're gonna have some of that

415
00:23:45,200 --> 00:23:47,520
Speaker 1: money taken out. But usually if you're using an a

416
00:23:47,640 --> 00:23:50,040
Speaker 1: t M in a foreign country, you tend to get

417
00:23:50,160 --> 00:23:53,440
Speaker 1: one of the You normally get a really favorable rate.

418
00:23:54,560 --> 00:23:56,640
Speaker 1: You know, it won't be as dramatic as it would

419
00:23:56,640 --> 00:23:58,240
Speaker 1: be if you were to go into some money changing

420
00:23:58,240 --> 00:24:03,600
Speaker 1: place anyway, getting off topic here, So, uh, that's the

421
00:24:03,600 --> 00:24:06,040
Speaker 1: process going on behind the scenes. Now, when the money

422
00:24:06,080 --> 00:24:09,320
Speaker 1: is actually coming out, how does the A t M

423
00:24:09,400 --> 00:24:13,480
Speaker 1: know that it's giving you the right amount of money? Well,

424
00:24:14,640 --> 00:24:17,000
Speaker 1: it has to. Basically, it has cassettes in there with

425
00:24:17,080 --> 00:24:21,080
Speaker 1: the different bills. So assuming that things are lined up correctly,

426
00:24:21,240 --> 00:24:23,200
Speaker 1: assuming that the person who's loaded the a t M

427
00:24:23,280 --> 00:24:26,200
Speaker 1: has done so in the proper way, then it should

428
00:24:26,200 --> 00:24:29,160
Speaker 1: be dispensing the right number of bills. Now it also

429
00:24:29,200 --> 00:24:33,200
Speaker 1: goes by thickness, so it should be able to tell um,

430
00:24:33,760 --> 00:24:37,240
Speaker 1: if you are getting say two bills out, let's say

431
00:24:37,240 --> 00:24:40,640
Speaker 1: two twenties you want, um, then it should be able

432
00:24:40,680 --> 00:24:43,560
Speaker 1: to go, okay, there are two, because I can tell

433
00:24:43,640 --> 00:24:46,800
Speaker 1: by the thickness of these bills. UM. So yeah, you've

434
00:24:46,800 --> 00:24:49,720
Speaker 1: got You've got a couple of different types of sensors

435
00:24:49,760 --> 00:24:52,800
Speaker 1: inside the A t M. There's usually an electrical eye sensor,

436
00:24:52,880 --> 00:24:56,359
Speaker 1: some sort of optical sensor that is optically verifying that

437
00:24:56,440 --> 00:25:00,560
Speaker 1: the the denominations that are being dispensed mat what you

438
00:25:00,640 --> 00:25:04,840
Speaker 1: asked for. And then there's also the thickness sensor, so

439
00:25:04,880 --> 00:25:07,280
Speaker 1: that if uh, if it's supposed to be doing it

440
00:25:07,400 --> 00:25:09,840
Speaker 1: one bill at a time, and the thickness censor says,

441
00:25:09,880 --> 00:25:11,639
Speaker 1: wait a minute, that's too thick for it to be

442
00:25:11,720 --> 00:25:16,240
Speaker 1: one bill, it will send that particular bill or pair

443
00:25:16,280 --> 00:25:18,639
Speaker 1: of bills, or whatever it happens to be to a

444
00:25:18,720 --> 00:25:22,399
Speaker 1: reject been inside the A t M. So the A

445
00:25:22,480 --> 00:25:25,399
Speaker 1: t M has has a bend that collects rejects, and

446
00:25:25,400 --> 00:25:28,760
Speaker 1: this can also be bills that are worn or torn.

447
00:25:29,359 --> 00:25:31,600
Speaker 1: If if it detects that, then's going to send it

448
00:25:31,640 --> 00:25:35,080
Speaker 1: to the reject ben. Uh. And so the ben's just

449
00:25:35,119 --> 00:25:39,160
Speaker 1: gonna keep collecting bills that get rejected through this process.

450
00:25:39,240 --> 00:25:43,560
Speaker 1: And it's all taking just a few seconds, so you know,

451
00:25:43,640 --> 00:25:47,639
Speaker 1: you might be waiting a little bit but thinking like whatever. What. Meanwhile,

452
00:25:47,640 --> 00:25:49,800
Speaker 1: the machine is making sure that it's dispensing the right

453
00:25:49,920 --> 00:25:53,800
Speaker 1: number and denomination of bills to you. Um. There's also

454
00:25:53,840 --> 00:25:57,080
Speaker 1: an electronic journal that's part of an a t M,

455
00:25:57,200 --> 00:26:02,040
Speaker 1: so that it's recording every transaction that's happening with that machine,

456
00:26:02,280 --> 00:26:05,040
Speaker 1: and it also records whenever any bill gets sent to

457
00:26:05,080 --> 00:26:08,840
Speaker 1: the reject ben. And that way, when someone comes into

458
00:26:08,840 --> 00:26:11,320
Speaker 1: service the machine, either to refill it or to fix

459
00:26:11,359 --> 00:26:13,280
Speaker 1: it or whatever, they can take a look at the

460
00:26:13,359 --> 00:26:18,000
Speaker 1: journal and see, uh, you know, how frequently are is

461
00:26:18,000 --> 00:26:20,680
Speaker 1: the reject been getting a bill sent to it and

462
00:26:20,760 --> 00:26:24,000
Speaker 1: it's happening a lot. That might mean that either the

463
00:26:24,040 --> 00:26:27,680
Speaker 1: sensors need to be adjusted, or that the feeding mechanism

464
00:26:27,920 --> 00:26:30,119
Speaker 1: needs to be adjusted so that it's no longer pulling

465
00:26:30,119 --> 00:26:33,280
Speaker 1: more than one bill at a time, or it might

466
00:26:33,359 --> 00:26:36,520
Speaker 1: mean that the actual bills that are being put into

467
00:26:36,560 --> 00:26:41,439
Speaker 1: the machine are of two. They're not they're not fresh

468
00:26:41,520 --> 00:26:44,639
Speaker 1: enough that you know that something needs to change. This

469
00:26:44,720 --> 00:26:47,720
Speaker 1: one's a little stale, Yeah, exactly, because too many of

470
00:26:47,760 --> 00:26:51,240
Speaker 1: them are going into the reject ben So, so it's

471
00:26:51,240 --> 00:26:54,000
Speaker 1: got built built in error correction if you will. Yeah,

472
00:26:54,080 --> 00:26:57,159
Speaker 1: it's and and some of that, again is mechanical, and

473
00:26:57,200 --> 00:27:00,359
Speaker 1: some of it's just saying, hey, stop putting crappy money

474
00:27:00,640 --> 00:27:04,359
Speaker 1: in me because I can't give it to anyone. And

475
00:27:04,400 --> 00:27:07,119
Speaker 1: the bank's like, but we don't want to give money

476
00:27:07,160 --> 00:27:10,600
Speaker 1: to anyone. Yes, And then they twirl their mustaches and

477
00:27:10,680 --> 00:27:14,200
Speaker 1: leap into a giant vault full of gold coins, which,

478
00:27:14,240 --> 00:27:17,520
Speaker 1: by the way, hurts. I don't know how Scrooge McDuck

479
00:27:17,560 --> 00:27:19,840
Speaker 1: did it, No, man, I I scratched that one off

480
00:27:19,840 --> 00:27:22,320
Speaker 1: my bucket list. And then I also broke an arm,

481
00:27:22,480 --> 00:27:27,440
Speaker 1: so not. I do not recommend it. However, if you

482
00:27:27,480 --> 00:27:35,320
Speaker 1: invest tuppens um so yeah, that birds um so Yeah.

483
00:27:35,320 --> 00:27:38,800
Speaker 1: I mean it is basically UM a computer with a

484
00:27:38,840 --> 00:27:44,400
Speaker 1: couple's special sophisticated UM ways to handle error correction. Oh

485
00:27:44,520 --> 00:27:46,920
Speaker 1: and I also wanted to mention that the journal. The

486
00:27:46,960 --> 00:27:49,720
Speaker 1: journal sort of serves two purposes. One, it helps keep

487
00:27:49,720 --> 00:27:51,480
Speaker 1: track of what's going on with a machine so that

488
00:27:51,880 --> 00:27:54,560
Speaker 1: you could see the machines working correctly. Also provides an

489
00:27:54,560 --> 00:27:58,880
Speaker 1: accounting UH in case there's ever any dispute about what

490
00:27:58,920 --> 00:28:01,240
Speaker 1: the machine was just bensing, or whether there was a

491
00:28:01,320 --> 00:28:04,679
Speaker 1: question about UM how the machine was used. And of

492
00:28:04,720 --> 00:28:07,439
Speaker 1: course now m A t M s also usually have

493
00:28:07,640 --> 00:28:12,320
Speaker 1: some kind of security camera UM nearby to watch that

494
00:28:13,040 --> 00:28:15,080
Speaker 1: people are who they say they are. Yeah, so you

495
00:28:15,080 --> 00:28:18,040
Speaker 1: can match up the the time on the security camera

496
00:28:18,119 --> 00:28:20,920
Speaker 1: with the time that was listed in the journal and

497
00:28:21,080 --> 00:28:24,880
Speaker 1: go back and review footage if someone has If any

498
00:28:24,920 --> 00:28:27,600
Speaker 1: of you out there have ever had your card number

499
00:28:28,040 --> 00:28:31,760
Speaker 1: and and penn stolen so that someone else has accessed

500
00:28:31,800 --> 00:28:34,199
Speaker 1: your account through an a t M, you realize, of

501
00:28:34,200 --> 00:28:36,880
Speaker 1: course this would be a really important feature. I'm one

502
00:28:36,880 --> 00:28:40,000
Speaker 1: of those people, by the way. Yeah, that's actually that

503
00:28:40,120 --> 00:28:42,719
Speaker 1: was But my bank was very good at letting me

504
00:28:42,760 --> 00:28:46,040
Speaker 1: know and was very proactive in making sure that that

505
00:28:46,120 --> 00:28:51,040
Speaker 1: got fixed. So yep, yep, now that's that's true. These uh,

506
00:28:51,080 --> 00:28:55,720
Speaker 1: these machines are sophisticated and and specialized, but they're also

507
00:28:56,600 --> 00:28:59,800
Speaker 1: uh in some ways not so sophisticated that they can't

508
00:28:59,800 --> 00:29:03,560
Speaker 1: be fooled or not not necessarily fooled. But UM also

509
00:29:03,640 --> 00:29:06,160
Speaker 1: that other people can come along and take information by

510
00:29:06,240 --> 00:29:09,360
Speaker 1: using devices such as skimmers, which can be put over

511
00:29:09,480 --> 00:29:12,920
Speaker 1: the card reader UM. And basically it is usually a

512
00:29:13,000 --> 00:29:17,800
Speaker 1: very slim uh compact device that can read the magnetic

513
00:29:17,840 --> 00:29:21,080
Speaker 1: strip on there on the card. So basically what happens

514
00:29:21,160 --> 00:29:24,040
Speaker 1: is if if a scammer has installed a skimmer on

515
00:29:24,120 --> 00:29:26,800
Speaker 1: an A t M, when you put your card through it,

516
00:29:27,240 --> 00:29:29,400
Speaker 1: both the skimmer and the A t M are reading

517
00:29:29,600 --> 00:29:32,720
Speaker 1: the card number. Now the pin block them. In the

518
00:29:32,760 --> 00:29:35,760
Speaker 1: United States, federal regulations require that the pin block, which

519
00:29:35,800 --> 00:29:41,440
Speaker 1: is the four digit pin uh information UM, must be

520
00:29:41,520 --> 00:29:45,360
Speaker 1: encrypted when it's sent along. So UH to some degree,

521
00:29:46,320 --> 00:29:49,320
Speaker 1: you would be protected if just your number was going

522
00:29:49,360 --> 00:29:53,080
Speaker 1: through the skimmer, because you would need the pin block encrypted,

523
00:29:53,880 --> 00:29:56,520
Speaker 1: you know, and it's encrypted on the card, so it

524
00:29:56,600 --> 00:29:59,840
Speaker 1: can't the machine has to decipher that. The skimmer can't

525
00:29:59,840 --> 00:30:03,280
Speaker 1: do that. So what the scammers do. They will they

526
00:30:03,280 --> 00:30:06,040
Speaker 1: will install a very tiny camera. You know. Cameras are

527
00:30:06,240 --> 00:30:08,200
Speaker 1: teeny tiny these days. You know, we've got them in

528
00:30:08,200 --> 00:30:11,480
Speaker 1: our smartphones and other types of phones. UM, they're sitting

529
00:30:11,480 --> 00:30:14,440
Speaker 1: on top of our laptops and and and computers. Because

530
00:30:14,440 --> 00:30:18,160
Speaker 1: they're so small. UM, people can in small. In small,

531
00:30:18,560 --> 00:30:23,360
Speaker 1: install a small camera right above the area where the

532
00:30:23,680 --> 00:30:26,400
Speaker 1: you type in your number, and then they'll they'll record

533
00:30:26,800 --> 00:30:29,840
Speaker 1: your keypad punches. And then what they'll do is they'll

534
00:30:29,880 --> 00:30:33,440
Speaker 1: match the keypad punch to the information that they've skimmed

535
00:30:33,560 --> 00:30:36,800
Speaker 1: off your card, and then they've got essentially your card

536
00:30:37,360 --> 00:30:40,520
Speaker 1: number and your pen all in one place and can

537
00:30:40,600 --> 00:30:45,120
Speaker 1: then access money from your account at any a t M.

538
00:30:45,160 --> 00:30:47,280
Speaker 1: And a lot of cases too, they don't try to

539
00:30:47,320 --> 00:30:49,280
Speaker 1: take as much as they can get. A lot of cases,

540
00:30:49,760 --> 00:30:51,560
Speaker 1: banks that I know of here in the United States

541
00:30:51,760 --> 00:30:53,920
Speaker 1: will give you a maximum amount of day, usually something

542
00:30:53,920 --> 00:30:57,520
Speaker 1: like three dollars per day UM. A lot of times

543
00:30:57,520 --> 00:31:00,480
Speaker 1: these scammers won't do that. They'll take out twenty dollars,

544
00:31:00,920 --> 00:31:04,280
Speaker 1: and the idea being that be harder to detect. Yeah,

545
00:31:04,400 --> 00:31:06,080
Speaker 1: oh well I must have I must have taken out

546
00:31:06,080 --> 00:31:07,600
Speaker 1: I don't remember what I what that was. But it

547
00:31:07,640 --> 00:31:09,800
Speaker 1: wasn't that much. It wasn't like somebody was scamming me.

548
00:31:10,360 --> 00:31:13,240
Speaker 1: Although if you do, if you're which this, by the way,

549
00:31:13,320 --> 00:31:15,840
Speaker 1: is why it's important for you to review your your

550
00:31:15,880 --> 00:31:20,000
Speaker 1: bank statements on a regular basis, because you may notice

551
00:31:20,040 --> 00:31:22,640
Speaker 1: that you're withdrawing money from places that you are not

552
00:31:22,760 --> 00:31:27,680
Speaker 1: physically at like Los Angeles or something, when you're not

553
00:31:27,760 --> 00:31:29,160
Speaker 1: in l A. If you're in l A and you

554
00:31:29,160 --> 00:31:31,000
Speaker 1: see that you were drawn from l A, you may

555
00:31:31,080 --> 00:31:32,920
Speaker 1: very well have been the person to have done that.

556
00:31:33,240 --> 00:31:35,120
Speaker 1: I don't mean to say that any withdrawal from l

557
00:31:35,160 --> 00:31:41,560
Speaker 1: A is obviously fraudulent, right people who people everything's on it?

558
00:31:41,640 --> 00:31:43,400
Speaker 1: Does this mean I have to drive to San Jose

559
00:31:43,560 --> 00:31:45,760
Speaker 1: if I want to withdraw money, Yes, that is what

560
00:31:45,880 --> 00:31:49,000
Speaker 1: I meant. Um. There are some some people working on

561
00:31:49,240 --> 00:31:54,840
Speaker 1: newer types of verification technology. I saw one they're trying

562
00:31:54,840 --> 00:31:57,880
Speaker 1: out in Poland, which is using biometrics. They do a

563
00:31:57,920 --> 00:32:00,240
Speaker 1: scan of your finger and they don't use your finger print.

564
00:32:00,240 --> 00:32:02,800
Speaker 1: They're looking at the veins in your finger which is

565
00:32:03,160 --> 00:32:06,880
Speaker 1: pretty smart because again fingerprints, you can lift a fingerprint

566
00:32:07,000 --> 00:32:11,920
Speaker 1: and you can fake fingerprint readers. It. The more sophisticated

567
00:32:11,960 --> 00:32:15,600
Speaker 1: the detection device, the less likely someone's going to go

568
00:32:15,680 --> 00:32:19,200
Speaker 1: through all the trouble to um to fool it, because

569
00:32:19,320 --> 00:32:21,000
Speaker 1: it is a lot of I mean, it takes a

570
00:32:21,040 --> 00:32:23,560
Speaker 1: lot of investment just to get the stuff too to

571
00:32:23,640 --> 00:32:26,200
Speaker 1: be able to fool these devices. But yeah, if you wanna,

572
00:32:26,880 --> 00:32:29,760
Speaker 1: fingerprint is not full proof because you could lift a

573
00:32:30,000 --> 00:32:34,240
Speaker 1: print off of something and then create a latex print

574
00:32:35,080 --> 00:32:39,560
Speaker 1: and fool some machines using that. We've seen that happen before. UM.

575
00:32:39,680 --> 00:32:43,120
Speaker 1: There's also I know you mentioned the cameras, but we

576
00:32:43,120 --> 00:32:46,880
Speaker 1: should also mention some UH some skimmers will also use

577
00:32:46,880 --> 00:32:52,600
Speaker 1: a fake KEYPADAH, which is essentially a key logger that's

578
00:32:52,640 --> 00:32:56,840
Speaker 1: logging up pen entries. So if you ever walk up

579
00:32:56,840 --> 00:32:58,440
Speaker 1: to an a t M and and it looks like

580
00:32:58,760 --> 00:33:02,480
Speaker 1: parts of the machine don't match up exactly like the

581
00:33:02,640 --> 00:33:05,240
Speaker 1: it's just a different coloration or made out of a

582
00:33:05,280 --> 00:33:08,480
Speaker 1: different material, and it just looks a little odd, that's

583
00:33:08,480 --> 00:33:12,200
Speaker 1: a warning sign. Doesn't necessarily mean that a skimmer has

584
00:33:12,360 --> 00:33:14,720
Speaker 1: hit that machine. It may just be that that particular

585
00:33:14,760 --> 00:33:18,200
Speaker 1: machine was manufactured in an odd way. But anything that

586
00:33:18,600 --> 00:33:20,560
Speaker 1: looks a little out of place should be a big

587
00:33:20,600 --> 00:33:23,400
Speaker 1: red flag to you and UH and I would highly

588
00:33:23,440 --> 00:33:25,560
Speaker 1: recommend that if you do notice something when you walk

589
00:33:25,640 --> 00:33:28,360
Speaker 1: up to an a t M UH that's like that,

590
00:33:28,360 --> 00:33:32,880
Speaker 1: that you find a different one, don't use that one. Yeah,

591
00:33:33,120 --> 00:33:35,080
Speaker 1: and and keep in mind where it is to the

592
00:33:35,160 --> 00:33:38,240
Speaker 1: more isolated a t M s are more likely to

593
00:33:38,360 --> 00:33:41,920
Speaker 1: be the ones that UH scammers are going to target.

594
00:33:41,960 --> 00:33:45,560
Speaker 1: Because they will be easier to modify. Um, because this

595
00:33:45,600 --> 00:33:47,760
Speaker 1: stuff takes a little bit of time and effort, and

596
00:33:48,000 --> 00:33:49,880
Speaker 1: if you're doing it in a high traffic area, someone's

597
00:33:49,880 --> 00:33:52,760
Speaker 1: gonna notice. Yeah. Like, for example, the the a t

598
00:33:52,960 --> 00:33:55,880
Speaker 1: m s that you might see in a popular gas station,

599
00:33:56,680 --> 00:33:59,600
Speaker 1: UM are a whole lot likely a whole lot more

600
00:33:59,640 --> 00:34:02,880
Speaker 1: likely to be okay, because if a cashier is standing

601
00:34:02,960 --> 00:34:05,880
Speaker 1: right across from it all day long, it's unlikely that

602
00:34:06,360 --> 00:34:10,839
Speaker 1: a scammer is going to have the time to install

603
00:34:11,440 --> 00:34:14,920
Speaker 1: those devices without getting caught doing what are you doing?

604
00:34:15,120 --> 00:34:17,480
Speaker 1: Or something like a busy airport, Yeah, where there's a

605
00:34:17,560 --> 00:34:19,839
Speaker 1: lot of security already there. I mean, it's just it's

606
00:34:19,880 --> 00:34:21,960
Speaker 1: such a it would be such a high risk endeavor

607
00:34:22,040 --> 00:34:24,440
Speaker 1: that it would you know, you look at risk versus

608
00:34:24,440 --> 00:34:27,480
Speaker 1: reward from a thief standpoint, it could be less likely

609
00:34:27,560 --> 00:34:30,120
Speaker 1: to be hit. That's not saying that some enterprising thief

610
00:34:30,160 --> 00:34:34,000
Speaker 1: hasn't tried it, but but it's less likely. Yeah. Well,

611
00:34:34,000 --> 00:34:36,120
Speaker 1: in fact, we've had a we had a rash here

612
00:34:36,160 --> 00:34:39,520
Speaker 1: in the Atlanta area not terribly long ago where people

613
00:34:39,560 --> 00:34:43,200
Speaker 1: were knocking over a t M s with their cars

614
00:34:43,400 --> 00:34:48,120
Speaker 1: and just taking the alif or bulldozers. Yeah, yeah, basically

615
00:34:48,160 --> 00:34:50,960
Speaker 1: because it's easier to crow bar your way into one

616
00:34:51,040 --> 00:34:54,360
Speaker 1: than bother trying to because we didn't mention the code.

617
00:34:54,360 --> 00:34:56,200
Speaker 1: This soft part of the a t M is it's

618
00:34:56,200 --> 00:34:58,960
Speaker 1: a safe. Yeah, you know it's there's a safe that's

619
00:34:59,000 --> 00:35:00,839
Speaker 1: inside these machines. That's where all the money is kept

620
00:35:00,840 --> 00:35:03,480
Speaker 1: in a vault, in a safe in the machine. So

621
00:35:03,520 --> 00:35:05,680
Speaker 1: if you were to take the whole machine, you're taking

622
00:35:05,719 --> 00:35:09,440
Speaker 1: the vault. Now before before any of you say, hey,

623
00:35:09,520 --> 00:35:11,800
Speaker 1: I'm going to go on a life of crime and

624
00:35:11,840 --> 00:35:14,360
Speaker 1: start knocking over a t M machines, a t M

625
00:35:14,440 --> 00:35:16,840
Speaker 1: S I knew. I told you at the beginning of

626
00:35:16,840 --> 00:35:18,799
Speaker 1: the show that it was going to happen. I caught

627
00:35:18,840 --> 00:35:21,560
Speaker 1: myself that I told you it was gonna happen. Um.

628
00:35:21,600 --> 00:35:24,960
Speaker 1: A lot of these have things inside the vault that

629
00:35:25,040 --> 00:35:28,919
Speaker 1: if if stuff goes wrong, it will ruin the money

630
00:35:28,960 --> 00:35:33,480
Speaker 1: inside there, like essentially a little little explosive charges. Usually

631
00:35:33,840 --> 00:35:37,880
Speaker 1: some of them have um explosive charges full of gas,

632
00:35:38,640 --> 00:35:41,000
Speaker 1: so that if if a thief is trying to use

633
00:35:41,040 --> 00:35:45,200
Speaker 1: a gas explosion to uh to open the vault, that

634
00:35:45,400 --> 00:35:50,200
Speaker 1: it actually has gas that counteracts the explosive gas, rendering

635
00:35:50,200 --> 00:35:53,239
Speaker 1: in inert so and that in that case, it's not

636
00:35:53,280 --> 00:35:55,840
Speaker 1: necessarily destroying the money inside, it's just trying to destroy

637
00:35:55,960 --> 00:35:58,879
Speaker 1: the the methodology that the thief is using to get

638
00:35:58,960 --> 00:36:02,360
Speaker 1: the vault open. So yeah, there's some other tech involved

639
00:36:02,360 --> 00:36:07,160
Speaker 1: here that's kind of interesting. Um. Now I use a

640
00:36:07,239 --> 00:36:09,880
Speaker 1: t M S. I mean, I try to be careful

641
00:36:09,880 --> 00:36:11,600
Speaker 1: about and I try to keep a good eye on

642
00:36:11,680 --> 00:36:14,160
Speaker 1: making sure that whatever device I'm using looks you know,

643
00:36:14,200 --> 00:36:18,600
Speaker 1: totally legit and everything. Uh it's it's says. So I'm

644
00:36:18,640 --> 00:36:20,840
Speaker 1: not saying that a t M s are so dangerous

645
00:36:20,880 --> 00:36:23,840
Speaker 1: that no one should use them, but it does bear

646
00:36:24,080 --> 00:36:27,120
Speaker 1: repeating that you should be vigilant and pay attention when

647
00:36:27,200 --> 00:36:28,520
Speaker 1: you come up to an a t M don't just

648
00:36:28,600 --> 00:36:33,880
Speaker 1: you know, walk up and ignore all uh all safety

649
00:36:34,239 --> 00:36:37,000
Speaker 1: especially you know, not just the machine itself, but you know,

650
00:36:37,320 --> 00:36:39,160
Speaker 1: it's always good to take a quick look around you

651
00:36:39,200 --> 00:36:43,439
Speaker 1: to make sure you're not going to be mugged. I've

652
00:36:43,480 --> 00:36:46,439
Speaker 1: never been mugged. I don't want it to happen. I'm

653
00:36:46,600 --> 00:36:49,839
Speaker 1: going to try and keep that street going. But yeah,

654
00:36:49,840 --> 00:36:51,759
Speaker 1: that's that's one of those things is that you know,

655
00:36:51,840 --> 00:36:56,440
Speaker 1: banks often would tell customers to you know, certain follow

656
00:36:56,480 --> 00:36:59,840
Speaker 1: certain safety guidelines and be alert when you're using those machines,

657
00:36:59,840 --> 00:37:01,800
Speaker 1: and you know, make sure you have your card ready

658
00:37:01,880 --> 00:37:05,520
Speaker 1: before you go up to one. And uh and and uh,

659
00:37:05,680 --> 00:37:09,120
Speaker 1: you know, don't don't linger. Don't count your money as

660
00:37:09,200 --> 00:37:12,880
Speaker 1: your until the dealing is done, I guess um, But

661
00:37:12,880 --> 00:37:14,600
Speaker 1: don't count your money right there at the machine. You know,

662
00:37:14,840 --> 00:37:19,200
Speaker 1: don't give thieves the opportunity to pounce on you in that.

663
00:37:19,400 --> 00:37:21,680
Speaker 1: In those cases. Now, of course, if you're in a nice,

664
00:37:21,680 --> 00:37:24,200
Speaker 1: busy street and there's a lot of people around, you're

665
00:37:24,200 --> 00:37:26,839
Speaker 1: probably in better shape than uh, you know, talk about

666
00:37:26,840 --> 00:37:29,440
Speaker 1: in the middle of the night, after you've gone clubbing

667
00:37:29,480 --> 00:37:31,440
Speaker 1: all night long and you need that cash because you're

668
00:37:31,440 --> 00:37:36,040
Speaker 1: about to go to that all night pancake house that

669
00:37:36,120 --> 00:37:39,879
Speaker 1: only accepts cash. You know, just bear in mind your

670
00:37:39,880 --> 00:37:48,759
Speaker 1: surroundings in the situation and be careful. I hope you

671
00:37:48,880 --> 00:37:51,600
Speaker 1: enjoyed that look back at tech Stuff and remember, if

672
00:37:51,640 --> 00:37:53,239
Speaker 1: you want to get in touch with us, you can

673
00:37:53,280 --> 00:37:55,760
Speaker 1: send me an email. The other address is tech Stuff

674
00:37:55,920 --> 00:37:58,799
Speaker 1: at house stuff works dot com, or drop me a

675
00:37:58,840 --> 00:38:02,080
Speaker 1: line on Facebook, Twitter or Tumbler. The handle of all

676
00:38:02,200 --> 00:38:05,120
Speaker 1: three is tech Stuff H s W. And I'll talk

677
00:38:05,160 --> 00:38:10,600
Speaker 1: to you again really soon for more on this and

678
00:38:10,680 --> 00:38:13,239
Speaker 1: thousands of other topics because it has stuff work dot

679
00:38:13,239 --> 00:38:19,359
Speaker 1: com