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The solution to the broken link - NO MORE FAKE ATM & POS terminals



Fake ATM and Fake POS terminals and Fake Card readers is as we see it, one of the largest threats to a society using card's rather than cash.

Today 2013, we celebrate that CARD as a payment method has its 64 years anniversary and still today terminals verify the card you using and verifying you as the card-holder. The missing link or actually the broken link during all these years is that we as users, we as card-holder haven't had a chance to know if the machine we will use the card in, actually are a trustworthy and proper machine / card-reader I can use.

There is a lot of websites on the internet which describe the different problems we today have with as one example fake-atm machines.





The NEW and most revolutionary innovation ViA TAV (Terminal Authenticity Verification) is a very simple solution which finally allow the card, yes the card itself ViA TAV Logoand you as the card-holder to be part of the verification process so you will not be fooled to use and enter your PIN code in a device, which is not a trustworthy device.

Today, when you will use a Chip based card, we hope that you as the reader do understand that a card without an intelligent built in chip, is part of the past. All the banks in the world will for sure move to CHIP based plastic card products, where the chip is not just a memory, it has a built-in functionality as well as it can handle security and also handle encryption, to truly protect your, the cardholders data and in many cases the money.

So when you insert your Chip Based card in any type of terminal, device which can read the card (chip on the card) the first question will be:


As soon as you have entered your PIN-Code, you are venerable and if the device, the terminal, such as an ATM machine or a typical card-payment terminal also known as POS terminal EFT POS terminals is in the worst case, actually a faked machine, which after you have entered the PIN-Code just kindly will tell you, "Sorry there is a technical Error we can not process your request", the 'bad' guys, the criminals would at this stage have got what they want and all the critical data from your Chip-Card, or got your PIN-Code from using your normal magnetic-strip, on the card, would now be in the hands to those elements.

You likely wouldn't even notice that there was a fake ATM or a manipulated card-reader of any kind. Likely you would just be frustrated and stressed to find another ATM or another card-reader which works.

The criminals, who just have got all the important information, INCLUDING YOUR PERSONAL OIN CODE, could either decide to take whatever amount it was allowed to with-draw from your card at this time, or they might be even smarter and just make a small transaction, but repeat the same over and over again and it might take weeks or month before you would discover that there is funds (money) missing from your account.


You like to look on how it works:


But if you have access to Internet or your bank will arrange so you can send in your own image, maybe your security image would look like this:

It is ONLY you who knows what security image you have selected and the image is highly encrypted on your chip on your card and can not be copied or manipulated with. There is several layers of encryption as well as a veri smart and spearheaded key-management-solution used, which make any efforts to 'hack' the solution, nearly impossible and if someone in the future would 'hack' one terminal or chain of terminals (card-reader) the ViA TAV is designed in such way that a compromised key would be disabled from any other terminals or readers in the world.




Patent application documents

If you like to read more about the Patent of Terminal Authenticity Verification, also known as ViA TAV can be found here on this website, just follow this link and click here




ViA is a holistic Business Model and Financial Model Innovation made by 
        		Lars Olof Kanngard 2005
ViA is a holistic Business and Financial Model Innovation created 2005, by its innovator Lars Olof Kanngard