The Repository @ St. Cloud State

Open Access Knowledge and Scholarship

Date of Award


Culminating Project Type

Starred Paper

Degree Name

Information Assurance: M.S.


Information Assurance and Information Systems


Herberger School of Business

First Advisor

Abdullah Abu Hussein

Second Advisor

Lynn Collen

Third Advisor

Balasubramanian Kasi

Creative Commons License

Creative Commons License
This work is licensed under a Creative Commons Attribution-Noncommercial-No Derivative Works 4.0 License.

Keywords and Subject Headings

ATM, SSL, TLS Ethernet, Forensics


Over the last few decades, consumers have become accustom to the convenience of Automatic Teller Machines (ATMs) to transfer funds between accounts, provide account balance information and to withdraw cash from savings, checking, and other account types. Along with the convenience and ease of locating an ATM through mobile bank apps, there has been a significant increase in ATM fraud across the globe. Consumer confidence in the ATM, bank and credit card issuer is greatly impacted by the perceived level of security in ATM transactions and the technology behind them. Confronting the risk associated with ATM fraud and limiting its impact is an important issue that face financial institutions as the sophistication of fraud techniques have advanced. Largely the process behind the verification of these transactions has moved from Plain Old Telephone System (POTS) to Ethernet connections to the processors, banks and card issuers. The attack surface has grown, both in size and complexity. These security risks should be prompting the industry to research all attack surfaces, and this research looks specifically the Ethernet packets that make up these types of transactions. In this research, I investigate the packet structure and predictability within ATM Ethernet traffic. Even with the proliferation of retail ATMs in the most common of retail spaces, this attack vector has received little attention.


I would like to thank Dr. Abdullah Abu Hussein for his patient help, guidance, and encouragement and Dr. Collen Lynn and Dr. Balasubramanian Kasi for their thoughtful participation on the committee and excellent feedback and of course my wife, Alicia Volkmuth MBA, MA.