Sponsor Robert Siciliano as he runs the Boston Marathon for Miles for Miracles, Children's Hospital Boston
ROBERT SICILIANO is fiercely committed to informing, educating, and empowering Americans so they can be protected from violence and crime in the physical and virtual worlds.

FREE EBOOK

Check here if you're human

Sponsors

ATM Skimming

ATM Skimming rising, again

…is is called, also refers to capturing the PIN via a hidden camera. With the stolen data, thieves craft phony debit cards, which they then use at ATMs or for purchases. In seconds, your bank account could be sucked dry—poof! ATM users normally do not know that a skimming device is in place; they just swipe their card. The thief will come back to collect the skimmed data (likely in the middle of the night). He downloads your data. He burns it to…

Frequently Asked Questions About Identity Theft

…d credit card statements. Look for questionable activity. Be careful when using ATMs. When you insert your ATM card into a compromised machine or run your credit card through a phony card reader, you could become a victim of skimming. Skimming is where a hacker illegally obtains information from the magnetic strip on the back of your credit or ATM card. This information can then be used to access your accounts or produce a fake credit card with…

10 Ways to protect Yourself while traveling

…in your hotel room that reveals personal information, such as a credit card receipt, passport, checkbook, medical insurance card, etc. If the room does not have a safe, then have these items on you at all times. Use only an ATM that’s inside a bank, never a free-standing one outdoors somewhere. Cover the keypad with your other hand as you enter the PIN to thwart ATM skimmers. Robert Siciliano personal and home security specialist to…

Data Breach Aftermath

…th, for instance, the restaurant server who wants to take your card and go off somewhere to get your payment, then pay cash (if possible). Never use public ATMs; ones inside your bank are less likely to be tampered with with skimming devices. Other than tampered ATMs and retail clerks taking your card out of your view to collect payment, there are tons of ways your personal information could get into a thief’s hands. Here are steps to help…

What is ATM Skimming?

…e above the keypad, in a brochure near the machine, or attached directly to the ATM. To protect yourself from being skimmed, and generally staying safe when using your debit or credit cards, follow these tips: Scrutinize the ATM. This means every ATM, even ones from your bank. You also want to check any of the card sliders like ones at gas stations, etc, especially if you’re using your debit card. If the scanner does not match the color and…

Fear of Fraud trumps Terrorism

…k your credit card statements thoroughly. Don’t put off contacting the company over a suspicious charge. All of your devices should require a password to log on. Use encryption for all of your devices. Always use your bank’s ATM, never a public kiosk. Never let an employee take your card out of your sight. Robert Siciliano is an identity theft expert to BestIDTheftCompanys.com discussing identity theft prevention. For Roberts FREE ebook text-…

Chip and PIN, will It save Us?

…t bay. But is it what it’s cracked up to be? After all, how could the thief, holding your credit card, know your PIN? The magnetic stripe contains account information. This can easily be copied with a thief’s tools such as a skimming device. A chip card uses a microprocessor that’s embedded. This makes the account information non-accessible to a hacker during any point of a sales transaction. There are additional features to chip technology that…

Russian Hackers getting rich from your Identity

…on the upswing. There are three ways criminals obtain credit card data, and selling it is enormous business. And data breaching at the point of sale has been a big issue for the past few years. POS attacks are conducted with skimming tactics or by using Trojans. Unless significant changes are made, look for POS attacks to swell up, not shrivel up. Selling credit card information is such big business that there exist professional wholesalers who…

10 Tips to avoid Scams when traveling

Vacationers and tourists provide a vast feeding ground for all sorts of crooks: from the simple pick-pocketing specialist to the hotel room burglar to the e-thief: credit card skimming and computer crimes. You can even have your identity stolen while sunning on that white beach. Avoid Traveling Scams with These Tips Don’t post your vacation or other travel plans on social media. Thieves peruse social media to see who will be out of town and…

The Credit Card Fraud Mob Boss

There once was a guy named Albert Gonzalez who dressed like a woman—but not because he got off on this, but because he wanted to conceal his actual appearance while he used a ream of phony cards to steal money from an ATM in 2003. A cop noticed the activity and didn’t quite buy the disguise. The police officer nabbed the thin, disheveled Gonzalez, and it turned out he possessed a computer at his New Jersey home loaded with stolen card data. He…

21 ways to Prepare your Credit Cards for Overseas Travel

…re leaving, notify your card company that you’ll be traveling overseas; this way they can monitor your transactions. Before leaving, make sure your debit and gift cards are authorized for international use with merchants and ATMs. Bring with you the phone numbers for all of your cards. This includes non-800 numbers. Make sure you know whether or not your cards come with a foreign transaction fee. Have all the card numbers documented. Get a…

8 Tips to Credit Card Security

…your bank account has been sucked dry. So avoid using a debit card at gas stations, casino machines and other such places where it’s easy for a crook to tamper with the card reader. Better yet, just limit its use to the bank ATM. Think of your debit card as an ATM card. This doesn’t mean that an ATM can’t be tampered with; be on the lookout for signs of tampering such as tiny cameras to capture PINs, or something odd about the card reader. Set…

4 Identity Protection Habits Every College Student Should Have

…ervice. And to learn more about creating strong password, go to www.passwordday.org. Cover the PIN pad when entering your PIN. Your PIN is the gateway to your bank account and thieves want it. This habit can protect you from skimming and video devices at automated teller machines (ATMs) or gas stations. Think twice before giving out your personal information. Hint: Your fraternity or sorority does not need your identification or Social Security…

Prepaid Cards risk of Fraud

…how it works: The thief makes a request to load your cash onto your card (to pay for whatever), and then send over the card number and PIN. This way, the crook can put your money onto their own cards. They then can go to an ATM and take out cash or spend your money at a store. Meanwhile you never receive the item you thought you were purchasing, like that adorable pedigree puppy you saw online. But the scams don’t stop at buying puppies,…

15 ways to prevent Travel related Identity Theft

…ur mobile device is loaded with personal information, it should have a home-screen-locking password. This can even be a fingerprint scan, depending on the model. Androids need antivirus the same as PCs do. #7 Beware of ATMs. ATMs can be fake or skimmers can be installed. A phony ATM kiosk can be set up on a street corner, beckoning for you. You swipe your card, and your card information is stored for later pickup by the thief who put the kiosk…

Bankers on the Front lines of Cyber Defense

…s are another way that financial institutions have improved security measures, replacing keys and keycards. Employees can be “add onto” a badge, and a lost and found badge can be deactivated and activated, respectively. Anti-Skimming Devices Anti-skimming devices can significantly reduce this crime, when a thief puts a phony reader over an ATM device to capture a customer’s card data. The volume of skimming crimes is enormous, yet many ATMs…

Protect your Cards from Multiple Kinds of Skimmers

…ll grant them ATM access; they then install malware that can transmit your PIN to their personal device. PIN hacking’s memory chips and transmitters are thinner and lighter these days, making them go undetected. The crime of ATM skimming racks up $350,000 a day. Wedge skimming. An employee runs a card through a card reader tool that transfers data from the card’s stripe. The crook downloads this to his device, then burns the data onto a phony…

ATM Skimming, Cyber Fraud Keep Bankers up at Night

…ned attack that actually steals data. Payment card skimming hits banks hard. The crook puts a phony card reader over the card-swiping device to collect the card’s data off its magnetic strip. The thief will then create phony ATM cards. The skimming tool can be made at home with a 3D printer—and the cost of the printer can very quickly be recovered with fraudulent use of the phony cards. Skimmers are not traceable, putting a lot of load on…

10 Ways you may get Hacked this Summer

…oofer, that electronically forces car doors open. Short of disabling your keyless entry, what you can do is park your car in lighted areas and keep valuable out of it. Or have your mechanic install a kill switch. Credit Card Skimming Criminals set up those card readers at stores with devices that will steal your card information. If you can’t pay with cash, use a credit card since there’s a delay in payment, whereas a debit card takes money from…

10 simple Ways Identity Thieves steal your Credit Card

…ng The thief will peer over your shoulder to see your transaction (credit card number, password, whatever data is there). To prevent, cover your card number at a cash register and mask your PIN as you enter it in a keypad or ATM. When using your laptop for ecommerce, sit against a wall. If this isn’t possible, keep the screen at an angle that only you can view or get a 3M Privacy Filter. Google it. Phony Call The thief calls you, claiming to be…

13 ways Protect your Credit Cards from Fraud

…erson) and card not present (online) transaction. 5. Go virtual. If your bank offers it, use a virtual credit card number online. These are card numbers that change every time you use them. 6. Skimming awareness. Credit card skimming is when a thief sabotages the card reader (such as an ATM’s), allowing him to get your card’s data. Look for signs of tampering like loose parts on the keypad or a camera looking down on the console. Conceal the…

ID Theft, Medicare Fraud Prevention in People Over 45

…ards. Never have any personal information printed on your checks except your PO box address. Have only your first and middle initial with your last name printed on checks. Have your bank issue an ATM-only card rather than an ATM debit card. Don’t wait till you’re a victim of crime to have a handy list of all your financially related contact information already composed. Update your devices operating systems Update your devices antivirus,…

Skimming Big Business targeting Big Business

…rd (or debit or ATM card). The thief records and copies this data with a counterfeit card reader onto a blank card’s strip, and then makes purchases or cash withdrawals with this fraudulent card—in the account holder’s name. Skimming takes place at ATMs, taxis, gas stations, restaurants, retail stores—any place where an employee will swipe your card to make your purchase. A credit/debit/ATM card reader can be fitted with a skimmer by the thief….

Protecting Yourself from Debit Card Fraud

…00 percent prevent card fraud because thieves hack into computers at banks and retailers to get card information. A clerk, even, can run your card through electronic skimmers to duplicate it. Skimmers are then swiped through ATM machines or gas pumps, ripping you off. However, there are ways you can reduce the fraud. Don’t be phishing bait. An e-mail comes to you claiming you must make a payment and includes a link where to do this. These scam…

8 Tips to prevent post Holiday Credit Card Fraud

…-mails try to convince you there’s a problem with your order. Contact directly the site of purchase to verify whether or not there’s an issue with your order. Do not investigate this through the e-mail message. #6. Beware of skimming. Carefully observe employees whom you hand your credit card to for purchases. A crooked employee may scan the card to obtain your number. #7. Always take the credit card receipt, no matter how small the purchase….

7 Shopping Scams Online during the Holidays

…ir check is fake. 6. Meeting Craigslist sellers and buyers. Meet only in safe, public places. Inform the seller you’ll first meet without any cash, just to inspect the sale item. If you want to buy it, get your money from an ATM. 7. Don’t purchase stolen products. Request proof of ownership. Or, request the serial number and see if your state keeps a database of stolen items. Retailers are also doing a lot behind the scenes to protect consumers,…

6 Shredding Tips To Prevent Identity Theft

…iption bottles, CDs with data on them, and supporting tax documents older than three years (some say seven), including investment statements, bank statements, canceled checks and paystubs. Secondary documents: Documents like ATM receipts, credit card statements, utility bills and insurance policies should all be kept for two years. The only reason to keep these is in case you determine a mistake was made so you can go back and look. Otherwise,…

It’s Even Easier Now For Regular Folks To Conduct Cybercrime

…volves the sale of online tools, or development of tools that can be used by the bad guys to carry out a cybercrime attack. Also it includes the sale of hardware that may be used for financial fraud (for example, credit card skimming) or equipment used to hack into systems. Cybercrime Infrastructure-as-a-Service—Once the toolset has been developed, cybercriminals are faced with the challenge of delivering their exploits to their intended…

Top 10 Identity Theft Scams

…s. Just delete it. Access your account via your browser’s favorites or password manager. Nigerian 419 scam. When General Motumboo Bumbooby emails you because there’s a trunk of money waiting from a dead relative, delete. ATM skimming. Anytime you use an ATM, your bank card is at risk. Look for external skimming devices and cover up the keypad with your other hand as you type your PIN. Credit card skimming. Handing your card over to a store clerk…

15 Tips to Prevent Identity Theft

…you might not know it for days. Watch your credit card statements as closely as your bank statements, especially after you use your card. Watch clerks at checkout to make sure they aren’t double-swiping your credit card and skimming your information off the magnetic strip. Beware of ATM skimmers. Poke around the card slot and make sure there isn’t an extra façade that can be pulled off. 10. Check fraud happens when criminals get hold of your…

The Benefits of Having Keyless Locks

…wise/counterclockwise direction to open. Combo locks are cumbersome, confusing and sometimes don’t pass the “grandmother test”. But today’s keyless locks are push button or touch pads numbered 0-9, like a telephone keypad or ATM. Newer-model automobiles have keyless locks too. Pressing “1276” is much easier for Grandma, and she doesn’t have to worry about fumbling around for or losing her keys. (And, just like combo locks and automobiles,…

5 Ways to Protect Your Credit Card

…but since waiters typically take the card out of sight to process, it really only works in scenarios where the clerk never leaves the terminal. 2. Cover your PIN. This is absolutely necessary at any point-of-sale terminal or ATM. The public nature of these devices makes it very easy for someone to “shoulder surf” and see your PIN. A cell phone video camera over your shoulder, a video camera 50 feet away, binoculars, or even a hidden camera…

Secure Your Identity When Traveling

…orks broadcast messages using radio, and are thus more susceptible to eavesdropping than wired networks. Use Hotspot Shield VPN to protect your data by tunneling through an encrypted wireless network. Overseas skimming. Card skimming is the act of copying credit card data off a magnetic stripe card, whether on an ATM or in person. US-based cards are more vulnerable because they are mostly magnetic. Overseas, particularly in Europe, EMV or “chip…

Credit Card Fraud Really Isn’t Identity Theft

…, we are really referring to credit card fraud. This form of credit card fraud is called account takeover and it occurs when a thief gains access to your credit or debit card number through criminal hacking, dumpster diving, ATM skimming, or perhaps you simply hand it over when paying at a store or restaurant. Another form of credit card fraud is called new account fraud. This occurs when someone gains access to your name, address and, in the…

Breach Means More Retailer Card Fraud

…igured out how to skim customer cards. In Australia, Fast-food, convenience and specialist clothing stores are bearing the brunt of the crime. McDonald’s is among the outlets whose EFTPOS machines have been targeted for card skimming. Officials say the problem is so bad they urged people to change credit and debit card pin numbers weekly to avoid the possibility of having their account balances wiped out, as it was likely more cases would be…

Skimming, Identity Theft and How Online Business Defend Against Cybercrime

Over the past 5 years a scam known as electronic funds transfers at the point of sale (EFTPOS ) or skimming has been prevalent. Consumers commonly swipe both credit and debit cards through the in-store machines to pay for goods and services and hackers have been adept at coming up with ways to skim those customer cards. In one such case, Romanian hackers were indicted when they were charged with remotely accessed hundreds of small businesses’…

What Security Benefits Does Contactless Technology Offer?

…ly come into physical contact with the reader. With the old magnetic striped cards, a card must be physically swiped through a reader device. These point-of-sale readers are found in retail environments, gas stations, and on ATMs. Countless skimming devices installed by criminals have been found in all of these environments. Data breaches: In recent years, there have been hundreds of data breaches resulting in the loss or theft of more than a…

What is Contactless Technology?

…a number of reasons: Contactless tends to be a more secure data transfer method. Classic credit cards often contain sensitive yet unencrypted data, stored in plain text in magnetic stripes that can be compromised by various skimming devices. Contactless technology can handle more data. Devices equipped for contactless transactions contain a small chip, which stores user data and has a vastly greater capacity than a traditional magnetic stripe….

What Differentiates EMV Cards?

…unt number, via tiny, iron-based magnetic particles. When you swipe your card through a card reader, the device accesses the data stored on the magnetic stripe. A quick YouTube search yields numerous vendors offering to sell skimming devices, which can be used to steal data from credit cards as they are swiped in an ATM. EMV, or chip and PIN cards, on the other hand, are far more secure. These so-called “smart cards” contain embedded microchips…

Banks Should Promote EMV

…it card fraud comes in two different flavors: account takeover and new account fraud. Account takeover occurs when an identity thief gains access to your credit or debit card number through criminal hacking, dumpster diving, ATM skimming, or sometimes even when you hand it over to pay at a store or restaurant. Technically, account takeover is the most prevalent form of identity theft, though I’ve always been inclined to categorize it as simple…

Travel Smart With EMV Technology

…ication. These security measures make chip and PIN cards far more secure than the magnetic stripe cards that are standard in the United States, since the magnetic stripes containing sensitive financial data are vulnerable to skimming at ATMs and point of sale terminals. In Europe, chip and PIN technology has significantly reduced the potential for fraud in transactions where the credit card is not physically present. JPMorgan Chase began issuing…

Security Snapshot: How Is EMV Safer?

…urity technology behind the magnetic stripe has been compromised, since the availability of card reading and writing tools makes it easy to decipher the data stored on the magnetic stripe. Criminals use these tools to create skimming devices and other hacking methods. EMV, on the other hand, is a relatively new technology with plenty of built-in encryption. According to the Smartcard Alliance, “[EMV] transactions require an authentic card…

Wanna Buy Some Dumps?

…329^BALANGERO/ JUSTIN M^091110100000014013216000000 41212******22456=09091010000092900000 ; B41212******22456^CORNELL/LORI^09091010000000000 092900000000000 ———————————————— ———————————————— —————— Contacts : icq#: 639512XXX ATM CARDS PLASTIC….yescards. atm Send By DHL 2 days and u get price 300€ or 320$ upfront 150€ or 150$ sure and u past me ur post code and u get after 2 days sure but before i past tracking …… payment Via…

POS Skimming—Bad News for Banks and Merchants

EFTPOS skimming has become increasingly prevalent over the past few years. EFTPOS skimming—which stands for “electronic funds transfers at the point of sale”—involves either replacing the self-swipe point of sale terminals at cash registers with devices that record credit and debit card data, or remotely hacking a retailer’s POS server. In one such case, Romanian hackers are alleged to have remotely accessed hundreds of small businesses’ POS…

Consumer Banking Security Products & Services

…te banking on the go. One option might include receiving notifications of various banking transactions for security purposes. SMS banking is also handy when the consumer wants to check an account balance before heading to an ATM. Ask your bank what they offer to keep you safe and secure. You’d probably be surprised at how much they have evolved with technology. Robert Siciliano, personal security expert contributor to Just Ask Gemalto….

Merchants at Greatest Risk For POS Skimming Fraud

…security is garnering new attention.” In Australia, Fast-food, convenience and specialist clothing stores are bearing the brunt of the crime. McDonald’s is among the outlets whose EFTPOS machines have been targeted for card skimming. Officials say the problem is so bad they urged people to change credit and debit card pin numbers weekly to avoid the possibility of having their account balances wiped out, as it was likely more cases would be…

Credit Card Skimmer Use Portable Point of Sales

…s EMV, which stands for Europay, MasterCard, and Visa. This technology is more secure than regular magnetic stripe cards used in the United States. Nevertheless, the German credit card skimmer possessed 17 devices capable of skimming security and account details from chip and pin card readers. What’s more, these skimming devices were equipped with wireless technology, which would allow the fraudster to access the stolencredit card data remotely….

Underground Forums Selling Stolen Credit Cards

…e victim to enter account information. Phexting or smishing are similar to phishing, but with text messages instead of emails. Some hackers use keylogging software to spy on victims’ PCs. Others affix devices to the faces of ATMs and gas pumps in order to skim credit and debit card data. NPR reports an FBI agent calling himself Master Splynter was assigned to the underground and had created an entire backstory for Master Splyntr to get the…

Securing Your Small Business Like A Bank

…dye packs or even GPS to track stolen cash. Each of these layers is designed to make it harder for a robber to do his job. TicoTimes reported “Banco Nacional installed more than 9,000 security cameras in each of its bank and ATMs this week as part of a new satellite surveillance system. The cameras will provide a live video feed from each bank and ATM location and will be watched by a team of security officials stationed in a monitoring center…

5 FFIEC Compliance Tips For Banks

…gresses toward more stringent controls as the activity unfolds and the risk increases.” What does “multi-factor” authentication actually mean? “A simple example of multi-factor authentication is the use of a debit card at an ATM machine. The plastic debit card is an item that you must physically possess to withdraw cash, but the transaction also requires the PIN number to complete the transaction. The card is one factor, the PIN is a second. The…

Supermarket Skimming Scam Highlights Retailer Risk

…are nor have we been notified of any reports that customer accounts were compromised.” The “tampering” referenced in this letter has been described as skimming, which occurs when a separate piece of hardware is affixed to an ATM or point-of-sale terminal. The hardware is designed to blend in with the face of the machine and record card data whenever a card is swiped. Criminals either remove the skimming device later or retrieve data remotely via…

Cloud-Based ATMs Coming Your Way

…cash machines, as well as various other automated kiosks that dispense DVDs, tickets, or other merchandise. They have discovered numerous techniques for compromising these devices. According to the ATM Industry Association (ATMIA), ATM fraud alone results in over a billion dollars in losses each year. But manufacturers are fighting back. Diebold, a security systems corporation and the largest ATM manufacturer in the US, has developed a…

International Credit Card Hackers Hammered

…national credit card fraud rings. The Register reports, “After investigations that began in 2009, the police executed three search warrants in metropolitan Sydney, retrieving EFTPOS terminals, computers, cash, mobile phones, skimming devices, and several Canadian credit cards. Other seizures in the two-year investigation have included 18,000 blank and counterfeit credit cards, stolen EFTPOS terminals, and skimming devices. The men arrested are…

What to Look for In Cloud Security

…king hacking more difficult than obtaining a simple username and password. To remind, two factor authentication means you have to use two different things to prove your identity. Typically this is something you have, like an ATM card, and something you know like a PIN code. Computer users are responsible for the security of locally stored data, and data that is transmitted via their Internet connection. They can avoid phishing and social…

Security Threat Concerns ATM Industry

Today, there are over 2.2 million ATMs worldwide, and by 2015 there will be around 3 million. ATM skimming accounts for as much as 30% of all data theft. That’s about $350,000 in fraud every day in the United States alone, or more than a billion dollars a year. The ATM Industry Association is now attempting to address the security threat posed by decommissioned ATMs, urging ATM deployers to exercise more caution when discarding old machines….

Most Unwanted Criminals: Phishers, Shoulder Surfers and Keyloggers

McAfee’s most unwanted criminals have included pickpockets, Trojan viruses, and ATM skimmers, dumpster divers, spies, and wireless hackers and now phishers, shoulder surfers, and keyloggers. Identity theft can happen online or on the ground to anyone with a pulse, and even to the deceased. The key is awareness, vigilance, and investing in products and services that are designed to protect you. Tony “Big Phish” Morgan sends emails that appear to…

ATM Scammers’ New Tactic: Glue

…gs. Don’t necessarily use the first ATM you see. Choose ATMs in secure locations, and be on your guard, even when using an ATM at a bank branch. Above all, check your bank statements at least once every two weeks, and refute unauthorized transactions within 30 days. Robert Siciliano personal and home security specialist to Home Security Source discussing ATM skimming on Extra TV. Disclosures….

Security Expert’s Credit Card Hacked

…ser or requesting photos. The scammer used Cringley’s card to buy Badoo credits in numerous countries, making her profile internationally accessible. Cringley surmises that his card data may have been skimmed when he used an ATM or handed his credit card to a store clerk or waiter, or possibly stolen when used to make an online purchase. Even if you are giving your card number to a legitimate online merchant, there’s always the risk they may get…

Most Unwanted Criminals: Dumpster Divers, Sly Spies, and War Drivers

There is no shortage of bad guys, identity thieves, and hackers trying to separate you from your money. They range from previously discussed pickpockets, Trojan viruses, and ATM skimmers to dumpster divers, spies, and wireless hackers. Dumpster Diver Dan is a liar who poses as a garbage man and turns trash into cash. Dan dives into dumpsters and trashcans seeking financial statements, credit card applications, and any other personally…

McAfee’s Most Unwanted Identity Theft Criminals

…enas, convenience stores, and gas stations with the goal of draining your account of cash or credit before you or your bank recognizes the fraud. To avoid having your credit or debit card data skimmed, use the same, familiar ATM whenever possible, and beware of ATMs with devices covering the card slot. Look for external devices like mirrors, brochure holders, or light bars that may hide a camera. Always cover the keypad with your other hand as…

My Top 5 Mobile Commerce Apps

…accept a digital card at this point, but many are, and the number is increasing. Paypal: Send money to your friends, manage your account, and more with the PayPal app. It’s free, secure, and more convenient than going to an ATM, writing checks, or sending gifts the traditional way. I haven’t listed my bank’s application because they don’t currently offer mobile check deposit. But if your bank does, add them to the list, because that’s cool….

Hackerville: The Epicenter of Romanian Hackers

…lapping clotheslines and the luxury Mercedes-Benz dealership in this small Romanian town, where young men in expensive jewelry drive luxury cars, all paid for with money from eBay scams, Craigslist scams, advanced fee scams, ATM skimming, phishing, infiltrating databases, new account fraud, and account takeover fraud. Early scams were obvious but successful. English is a second language to Romanian scammers, so over the past decade, consumers…

Dumb Criminal Tries To Guess PIN 50 Times

What do you do when you are picked up in a cab and the driver suspects your home will be vacant while you are gone? The Manchester Evening News reports “A BUNGLING burglar went to the same ATM more than 50 times – to try and guess the PIN numbers of bank cards he had stolen. He thought he might strike it lucky if he kept on putting in random sets of four numbers into the ATM machine. But, with the odds of correctly guessing a card’s…

The Ever Present Credit Card Scam

…l fraud. Check your credit and banking statements carefully. Scrutinize every charge and call your bank or credit card company immediately to refute any unauthorized transactions. (Be sure to do it within 30 or 60 days at most, depending on the type of card.) Robert Siciliano, personal security and identity theft expert contributor to iovation, discusses ATM skimming on Extra TV. Disclosures….

Retailers’ Point of Sales Terminals “Slurped”

…hop. POS machines are particularly vulnerable because the magnetic stripe technology, which has been around for 40 years, is essentially defenseless against modern fraud techniques. Anyone can easily, and legally, purchase a skimming device for a couple hundred dollars. This problem will continue as long as the current system of accepting magnetic stripe cards is standard in the United States. Our system needs a serious upgrade. In response to…

Black Friday Launches Holiday Fraud Horrors

…ugh a point of sale terminal or keyboard card reader. But if you happen to see your card being swiped through an additional reader that doesn’t coincide with the transaction, your card number may have been stolen. Debit Card Skimming: Without the associate PIN, a skimmed debit card number is difficult to turn into cash. With the help of a hidden camera or a “shoulder surfer,” though, your PIN could be recorded at an ATM or point of sale…

How Much Longer Does the Magstripe Have?

…y of card reading and writing technology, results in billions of dollars in theft and fraud. EAST, the European ATM Security Team, recently released European ATM crime statistics for January through June of 2010. Apparently, skimming at European ATMs increased by 24%, with 5,743 attacks reported in the first six months of 2010, compared with 4,629 during the same period in 2009. There haven’t been so many skimming attacks since EAST began…

“Flash Attacks” Make Big Money for Debit and Credit Card Scammers

…urchased on eBay to access the terminal. Once inside, they unplug a cable that connects the keypad to the display, and piggyback their own device within the mechanism, in order to capture all the unencrypted card data. Dummy ATMs: ATMs can easily be purchased through eBay or other outlets, and installed in any heavily trafficked location. The machine, which might be powered by car batteries or plugged into the nearest outlet, is programmed to…

Protecting Yourself and Family During The Holidays

…e you are of every situation, the safer and more secure you will be. Predators seek people who are unaware. By knowing what’s happening around the perimeter of your body you reduce the chances of being chosen by an attacker. ATM: As you are getting cash look around you, cover the keypad with your other hand as you enter your PIN. If someone makes an attempt to accost you, toss the money and run. Parking lots: Don’t park near windowless vans….

7 Tips To Better Credit Card Security

…pen to see your card swiped through an additional reader that doesn’t coincide with the transaction the card number may have been stolen. #2 Cover your PIN. There may be cameras or “shoulder surfers” recording your PIN at an ATM or point of sale terminal. Cover up the keypad to foil the bad guys’ plan. #3 Change up your card number. This is inconvenient but effective. The more frequently you change your number, the more secure that number will…

Live ATM Skimming Video Confiscated

…e installation of a camera and skimmer. The video shows how criminals collect cardholders’ PINs. It also shows how easily cardholders can protect their PINs. This must-see video is simple, but says a lot. (You can watch more ATM skimming demonstrations on Extra TV.) EAST explains, “while the vast majority of ATM transactions are completely secure, criminals do occasionally target cash machines to try to either steal cards (card trapping) or to…

5 Sneaky Credit Card Scams

…they can make charges on your card. #3 The Loop. You’re at an ATM that isn’t cooperating. Some nice guy injects himself into the scene to help you. During the process he watches you enter your pin. After another attempt the ATM eats your card. After you leave all upset, he pulls the card from the ATMs card slot using a loop of VHS tape he jammed inside the machine. #4 Risky Retailer. When searching for something on the web you come across a…

Top 5 Credit/Debit Card Skimming Attacks

Credit card fraud is a multi-billion dollar industry. Skimming is one of the financial industry’s fastest-growing crimes, according to the U.S. Secret Service. ATM skimming alone is responsible for $350,000 of fraud daily exceeding a billion dollars in losses annually. Skimming can occur in a few different ways; Wedge Skimming The most common skim is when a store clerk/waiter etc. takes your card and runs it through a card reader device that…

Debit Cards Fraud Means Difficult Recovery

…’s liability shall not exceed the lesser of $500 or the sum of: (i) $50 or the amount of unauthorized transfers that occur within the two business days, whichever is less.” Debit card fraud can happen a number of ways. ATM skimming, gas pump skimming, or point of sale skimming are a few. The key, of course, is the bad guy gets your PIN. In the end, the bank doesn’t want to believe that you were defrauded. It’s cheaper for them to conclude…

More ATM Skimmers Being Used By Gangs

…tomers in the process of withdrawing cash from ATMs are more likely to be victims of ATM fraud than a direct, physical crime, and skimmer devices have recently been found on gas pumps and ATMs throughout Northern California. ATM skimming occurs when a device is placed on the face of an ATM, often over the slot where the card is inserted. The skimmer, which may use Bluetooth or cellular technology to transmit the data to criminals wirelessly,…

A Viable Solution to Wave of Skimming and Point of Sale Attacks

…They continually find inventive ways to circumvent existing systems. Electronic funds transfers at the point of sale (EFTPOS) skimming is when the POS is swapped out. EFTPOS (electronic funds transfers at the point of sale) skimming occurs when the point of sale terminal is replaced with a skimming device. People commonly swipe both credit and debit cards through the in-store machines to pay for goods and services at these outlets. In…

ATM Skimming

ATM Security Threats Increase

…rom a bank on their Smartphone requesting login information. #8 Malware or Malicious Software; Researchers found a virus that specifically infects ATMs and takes over the machine logging card numbers and pins. To help combat ATM skimming, ADT unveiled the ADT Anti-Skim ATM Security Solution, which helps prevent skimming attempts and detects skimming devices on all major ATM makes and models. ADT’s Anti-Skim Solution is installed inside an ATM

Old Credit Card Technology Facilitates Skimming Fraud

…ed on the magnetic stripe is accessed. Card readers and magnetic stripe technology are inexpensive and readily available, making the technology highly vulnerable to fraud. One extremely prevalent example of such fraud is ATM skimming. Skimming occurs when a criminal copies the data stored on your card’s magnetic stripe and burns the stolen data onto a blank card, creating a clone can that be used like any normal credit or debit card….

Identity Theft – Common Consumer Errors

…sclose your Social Security number under any circumstances is like refusing to eat because the food might be bad for you. There are always risks. The key is managing those risks and making smarter decisions. Do you know what ATM skimming is? Have you seen a skimmer? Have you been phished? Would you know what a fraudulent auction looks like? Do you put your name on a “stop delivery list” when you travel? Do you know how to update the critical…

How Secure Are You And That ATM Transaction?

…or a cab and persuaded them to pull money out of the ir ATMs while they watched for the PINs. Once they got back to the car one, while making out with him, would pick his pocket and hand off the card to the friend. Beware of ATM skimming and be able to recognize what an ATM skimmer looks like. Here are some excellent pictures of a well made covert skimming device attached to the face of an ATM. You really need to look for it to recognize it. Not…

Published Articles

…it-card-news/protect-credit-online-dating-tips-1282.php http://article.wn.com/view/2010/05/04/New_Jersey_Bankers_Association_Endorses_Services_of_Identity/ http://open.salon.com/blog/robertsiciliano/2010/05/04/secret_service_atm_card_skimming_five_times_higher_this_year http://www.bankinfosecurity.com/articles.php?art_id=2493 http://hothiphopdetroit.com/detroit/rickysmiley/hot-news-debit-card-dangers/…

Media

…yber Fraud Safe Banking On Your Mobile Device Necessary Security Updates for 2012 Phishers Use Social Media 2012 Threats: Are You Ready? Supermarket Skimming Scam Highlights Retailer Risk Securing New Digital Devices The new ATM skimming threats: How gangs skim to finance their activities How your child’s identity could be used to buy cars for criminals Giving your credit card to a hotel? Why you should think twice! Why tight-lipped women are…

Dumb Bungling Home Burglar Jailed

…nd debit cards . Then go to the same ATM more than 50 times – to try and guess the PIN numbers of bank cards he had stolen. He thought he might strike lucky if he kept on putting in random sets of four numbers into the ATM machine. But with the odds of correctly guessing a card’s PIN number ranked at one in 10,000. He never managed to make a single withdrawal. His repeated failed attempts at the same ATM only served to arouse…

Why We Need Secure Identification

…fication. Similar programs around the world use biometrics for voter registration and even financial transactions. Possible uses for the card include identification, driver licenses, collection of tolls, a travel card and an ATM card.” In India, they are in the process of creating the Unique Identification Authority to identify their 1.1 billion citizens. A uniform ID system with biometric data, which should launch next year, will be designed to…

Secret Service: ATM Card Skimming Five Times Higher This Year

Identity Theft Expert Robert Siciliano ATM skimming is approaching a billion-dollar issue . ATM skimming is happening coast to coast and there seems to be no end in sight. Skimming devices have been found recently at ATMs at a Bank of America in Daytona Beach and one weekend last month people came and went from the automated teller machine outside a Chase Bank in Escondido, California. They slipped in their cards, took their money and left. In…

Criminal Hacker Gets 20. Books, Movies and Hollywood Starlet Next

…Buster’s, among other online retail outlets, in one of the largest — if not the largest — cybercrime operations targeting that sort of data thus far. They used some of the stolen numbers to remove cash from ATM machines and sold many of the other numbers to other criminals, including those in Eastern Europe .” Gonzalez provided “sniffer” software used to intercept the credit and debit card numbers for the Russian hackers….

Beware of Door to Door Conmen

…. But when the job was over he would request a significant amount of money that wasn’t previously discussed. In this case he would escalate the situation to yelling and threats. He was so bold he would drive the person to an ATM machine to get the money. In both of these situations the home owners were lucky the situations didn’t escalate to physical violence. It’s unfortunate that elderly are preyed upon in this way. If you have an elderly…

Why Debit Cards Are a Nightmare

…fine print. A debit card is connected directly to a person ’ s bank account and when compromised can devastate your bank balance. I know too many people who’ve fallen victim to some t ype of debit card fraud whether through skimming or unauthorized purchases and never recouped their losses. Sometimes the banks just won’t budge. They tend not to believe a person who’s PIN and card number was leaked. Creditcards.com reports The Federal…

Top 10 Cities for Cyber Crime

…ened in your name. This makes your Social Security number useless to a potential identity thief. 2 . Invest in Intelius identity theft protection and prevention . Not all forms of identity theft can be prevented, but identity theft protection services can dramatically reduce your risk. (Disclosures) Robert Siciliano Identity Theft Speaker discussing ATM Skimming on Fox Boston ….

Copy Machines Can Store Your Private Info

…nts or take over exiting accounts. Where do old peripherals go? Many of them head to warehouses to be resold. Others end up on eBay. A quick search on eBay results in 7845 copiers for sale and 1130 used ones. If I can buy an ATM off Craigslist with over 1000 credit and debit card numbers on it, how much data do you think we can get from used copiers? All the more reason to protect your identity. 1. Get a credit freeze and follow the steps for…

Pay-at-the-Pump Skimming Using Bluetooth

…to skim as many cards as possible. Because every time the skimmer is removed and replaced it becomes another opportunity for the thief to get caught or for something to go wrong. In Utah, a group of criminals one-upped other ATM scammers by installing Bluetooth enabled skimming devices that broadcast the skimmed data to a nearby storage devise, probably a laptop. Bluetooth’s range can be just a few feet to as much as a city block. So the…

Is Chip and PIN the Future?

…curty HERE 3. Go to my website and get my FREE ebook on how to protect yourself from the bad guy. 4. Invest in Intelius identity theft protection and prevention. Not all forms of identity theft can be prevented, but identity theft protection services can dramatically reduce your risk. (Disclosures) Robert Siciliano Identity Theft Speaker discussing ATM skimming on NBC Boston…

The State of Information Security Sucks

…urty HERE 3. Go to my website and get my FREE ebook on how to protect yourself from the bad guy. 4. Invest in Intelius identity theft protection and prevention. Not all forms of identity theft can be prevented, but identity theft protection services can dramatically reduce your risk. (Disclosures) Robert Siciliano Identity Theft Speaker discussing ATM skimming on ExtraTV…

EFT Point of Sales Hackers Net $50 Million

Robert Siciliano Identity Theft Expert Readers of these posts are familiar with ATM skimming. ATM skimming is a billion dollar problem and growing. A relatively new scam over the past few years is electronic funds transfers at the point of sale (EFTPOS ) skimming. People commonly swipe both credit and debit cards through the in-store machines to pay for goods and services at these outlets. In Australia, Fast-food, convenience and specialist…

3 Nabbed in Massachusetts ATM Skimming Ring

…ard gets stuck in the machine or you notice anything odd about the appearance of the machine, such as wires, double sided tape, error messages or the machine seems unusually old and run down, don’t use it. Don’t use just any ATM. Instead, look for ATMs in more secure locations. Ultimately you must pay close attention to your statements. Refute unauthorized transactions within 60 days. Check with your bank to determine what their timeframe is to…

Forget Privacy, Think Security

…that makes up who you are and what you’ve done. But none of these docs are connected to you physically, which results in identity theft, a security issue. Further, every time you visit a website with cookies enabled, use an ATM, credit card, RFID transponder on the highway toll, public transportation pass, make a call on a mobile phone, order a pizza over a home phone or simply use a computer to denote you ate that tuna, chances are –…

Impostor Poses as Secret Service Agent and Police Officer

Robert Siciliano Identity Theft Expert At a friend’s 40th birthday party, we wound up discussing my Craigslist ATM, and that led to a conversation about how easily people can be conned. One friend’s new boyfriend began telling us how frequently he is able to con people in order to get into bars and clubs. “I never wait in lines,” he claimed, “and I always get VIP treatment.” I hate lines, too, but I have a…

How I Wasted 4 Hours with a Criminal Hacker

…:58] robertsicili: youll be 40 before you know it So small talk, getting used to each other. [11:59] robertsicili: what country? your english is fine [11:59] dskimmed2009: CVV,FULZ,DUMPS,BANKLOGINS,BANK TRANSFER,WU TRANSFERS,SKIMMING,ETC He doesn’t want any more small talk. He want to get paid. [12:00] dskimmed2009: What do you need to buy now man? [12:00] robertsicili: all business, i get it. [12:00] robertsicili: i want to tell your story. you…

5 Tips to Credit Card Identity Theft Prevention

…of these devices makes it very easy for someone to shoulder surf and grab your pin. A cell phone video cam over your shoulder, a video camera from 50 feet away, binoculars or even a hidden camera attached the to face of the ATM can all compromise your pin. See here as explained in this video I did on ExtraTV demonstrating how I bought an ATM off Craigslist and rolled it all over Boston. Tip#3 Change your card number. With millions of card…

 

Xtreme School

Featured in

Anderson Cooper John Stossel Robert Siciliano Featured in