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  #1  
Old 11.06.2011, 08:26
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Skimming

I heard in the news yesterday and in the newspaper this morning, that Skimming was more and more frequent, at least in the French part.

So always be careful when you get money from a card.

And it's not only from Banks ATM...
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Old 11.06.2011, 09:10
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Re: Skimming

yes. Always go the cash machine in the bank. and buy other tickets at the counter.
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Old 11.06.2011, 11:10
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Re: Skimming

I'm sorry, what do you mean "skimming"?

I'm assuming it to mean flat out that somehow the machine is set up to take a bill off the stack you're retrieving from the machine (so make sure you count what you take). Is that what you mean?

Or is that the term they use to describe the process where some fancy hacker thing is placed on the machine, reading your card and recording your pin as you type it in, so they can steal your money at their convenience?

(Either is bad, just want to clarify what to look out for)
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Old 11.06.2011, 11:24
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Re: Skimming

its the hacker thing. I have never heard of machine being set up so that not all the notes are paid out
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Old 11.06.2011, 11:43
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Re: Skimming

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I'm sorry, what do you mean "skimming"?
From what they were saying on the TV news yesterday evening, the hacker inserts a miniature reader/camera inside the ATM (presumably pretending to do maintenance on the machine while inserting it). When you go to get money out, the device that they inserted reads your card number and, at the same time, videos you entering your PIN code... so the hacker then has both the card number and the PIN code.
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Old 11.06.2011, 11:48
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Re: Skimming

Thanks ya'll.

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its the hacker thing. I have never heard of machine being set up so that not all the notes are paid out
I hadn't heard of it either but that's pretty much what it's called if someone is cheating at cards or stealing from the register, they secretly "skim" a cards or notes from deck or stack. So, that's why I wanted to be sure I understood.
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Old 11.06.2011, 11:56
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Re: Skimming

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From what they were saying on the TV news yesterday evening, the hacker inserts a miniature reader/camera inside the ATM (presumably pretending to do maintenance on the machine while inserting it). When you go to get money out, the device that they inserted reads your card number and, at the same time, videos you entering your PIN code... so the hacker then has both the card number and the PIN code.
yes. Thats why it's always good to go to the cash machine inside the bank-if they have one-and one that is visible to the staff working at the bank.
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Old 11.06.2011, 11:59
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Re: Skimming

http://www.google.ch/imgres?imgurl=h...Nc7Osgb2hZ2bBg
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Old 11.06.2011, 13:29
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Re: Skimming

The crazy thing is that more and more ATMs get all sorts of gadgets installed around the card slot and elsewhere. When I say gadgets I mean funky looking plastic things that may house mini cameras and other gimmickery. If you enter the bank (provided its open, ha ha) and ask, they tell you that that transparent plastic stuff is ok and meant to prevent skimming devices.

In reality it does exactly the opposite; the customer gets used to all kinds of crazy looking things around the slot and eventually will stop worrying and fall victim to real skimming.
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Old 11.06.2011, 13:54
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Re: Skimming

You should obviously be worried about this sort of stuff and make sure that you have your eye on the ball and note any suspect transactions on your bank account. If that happens you should contact you bank immediately and report it. In 99% of the cases they will just refund your money and then investigate the charge.

Now a days though, banks are becoming very smart with this type of theft. They have dedicated people who look at Fraudulent transactions and correct it internally without ever reporting to the customer. The only way you find out is when your card gets blocked and you call them.. In this case they will send you a new card without a fee or you can opt to cancel your account. Almost all banks worth their salt are also protecting themselves against this liability through Expensive Insurances that they take have to take out to protect their customers.

Stay Sharp and don't wait for the banks to always fix the situation and have a conscience. It's your responsibility to report it but rest assured that the banks are every ability to correct the situation.
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Old 12.06.2011, 00:25
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Re: Skimming

Most skimming is done by letting your card out of your sight.
For instance, you are in a restaurant and hand the card over and they take it away.
Another trick is when you pay for an item and they drop the card at the till - on picking it up it is passed through a machine that provides enough information for the card to be cloned - thus a duplicate can be made.
Never let your card out of sight and always beware overseas -it happens all the time...
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Old 12.06.2011, 00:42
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Re: Skimming

i bought a skimmer for my android phone. now i can skim your credit cards

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Old 12.06.2011, 01:17
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Re: Skimming

This always pops up in the news once in a while. Some don't use a camera. Some put an imitation of the touch pad over the real one and it then sends the data to a computer near by. These have also been found in super markets. What the experts say you should do is use the same few cash machines which you know and remember how they look like then have a pull at the slot and push the number pad around to see if anything moves and cover your hand when tipping the pin. Some of the methods are so good though there's not much you can do.

What I also read is with this data they can make replicates of the cards. But they can only replicate the magnet strip. Most if not all of Europe uses the chip part to identify the cards so the data is not much use here. Victims will thus see transactions from the Middle East and other places where they use the magnet strip. It is so easy enough to identify on your account and prove it wasn't you. The banks have refunded all victims of skimming so I'm not worrying too much about it.
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Old 12.06.2011, 03:43
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Re: Skimming

Previous thread:

Skimming in Basel at ATMs

A recent case in Winterthur, ZH ( translated link ), Bern ( translated link ), Glarus ( translated link ) and Bellinzona ( translated link ).

A recent news report on skimming at SBB stations is here.
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Old 12.06.2011, 19:07
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Re: Skimming

Yeah, skimming. Watch out for that. Some wily bande stuck a fake reader onto one of the ticket machines at the Basel SBB and made off with truckloads of data, including my maestro card details. Mind you, they just copied the magnetic strip, I still have the piece of plastic here. They hung onto my details for over a month and then withdrew 5,000 Fr in 8 withdrawals within one minute from automats in New York. Luckily UBS blocked the card (almost) immediately, but the damage was done. I had to go and file an official police report and about a month later UBS refunded the stolen money.

I had heard about skimming before, but for some reason it didn't click that they didn't need to steal your card as well as your PIN. Now I'm extra paranoid about guarding my PIN while using my card.
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Old 12.06.2011, 19:19
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Re: Skimming

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Yeah, skimming. Watch out for that. Some wily bande stuck a fake reader onto one of the ticket machines at the Basel SBB and made off with truckloads of data, including my maestro card details. Mind you, they just copied the magnetic strip, I still have the piece of plastic here. They hung onto my details for over a month and then withdrew 5,000 Fr in 8 withdrawals within one minute from automats in New York. Luckily UBS blocked the card (almost) immediately, but the damage was done. I had to go and file an official police report and about a month later UBS refunded the stolen money.

I had heard about skimming before, but for some reason it didn't click that they didn't need to steal your card as well as your PIN. Now I'm extra paranoid about guarding my PIN while using my card.
yes, with the pin introduced, the banks can easily argue that it was you being negligent if the pin was stolen and so are responsible for any fraud.
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Old 16.06.2011, 23:10
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Re: Skimming

In most cases of skimming, a device which collects the data contained in the magnetic strip of a bank card has been inserted into the ATM or card reader unbeknownst to anyone but the owner of the device.

The pin is then obtained, either by a camera mounted above the ATM or by somebody watching as the card owner enters it into the machine.

“The most important thing is to protect the pin code,”

More details :http://www.swissinfo.ch/eng/swiss_ne...l?cid=30459748
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Old 16.06.2011, 23:30
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Re: Skimming

As 10:30 says above, an SBB ticket machine was rigged - a few people I know got done by that one.

If they get your PIN then they'll make virtually simultaneous withdrawals in a few cities around the world, to break the daily limit (they create multiple copies of your card and work as a team). If they don't get your PIN they make a fake card just with your strip data and use it in a backwards country (usually the US) where no PIN is used, and so they just use the signature and fake ID to match the name they put on the copied card.

In both cases your card stays with you, and the first you know about it is when you get your statement or the bank blocks your card.
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