More reasons to always, always, always pay cash: credit card skimmers have started appearing on public transit ticket machines and car park payment terminals. Some determined Latin American crooks have even started making entire ATM fascias. The fake fascias completely replace the front panel of the ATM, and include an LCD display which prompts people for their PIN before announcing the ATM is out of order.
Grabbing and tugging on the bit around the card slot is no longer enough…
“At least five countries have logged skimming attacks against railway, bus or metro ticket machines, the European ATM Security Team (EAST) warns. Further attacks have been recorded against car parking meters, while a further three countries have seen skimming devices fitted to point-of-sale terminals.[…]
Looking further afield, EAST also reports the deployment of fake ATM fascias (placed over genuine ATMs) as part of plastic card scams in Latin America. The fake fascias include screens giving crooks the ability to display messages to victims.
Typically, marks are (falsely) informed that a terminal is “out of order” when they insert a card and attempt to withdraw cash. The fake unit, which comes with a built-in card skimmer, also contains a built-in keypad that fits over the real keypad and makes it much easier to record PINs.
Most skimming-related card fraud stems from countries that are yet to introduce chip-and-PIN cards such as the US, Brazil, Mexico, Peru and Thailand. Skimming attacks carried out in Europe are used to steal the information needed to make counterfeit cards, which are then used to make withdrawals in countries yet to adopt the EMV (short for Europay, MasterCard and Visa) standard. That’s because forging a magnetic strip is simplicity itself, while cloning a chip is extremely difficult.
European banks are attempting to combat this type of fraud by introducing geo-blocking on debit and credit cards.
Crude blags involving theft of cash machines or forcing them open and looting their contents are still prevalent, EAST notes.
“Ram raids and ATM burglary were reported by nine countries,” says the report. “Seven countries reported explosive gas attacks, and this form of attack appears to be increasing across Europe.”
Other scams include the use of cash claws designed to trap cash withdrawals made by genuine customers. The money is not visible by the mark because it’s held behind the cash slot. The ATM will log a fault but is physically unable to retrieve the cash back into the dispenser because it is trapped in the claw. Crooks return after customers have left to force the shutter open and obtain both the claw and any cash it has caught.
“Cash trapping incidents were reported by eighteen countries, with significant increases being reported by three of them,” EAST reports. “Usage of the cash claw for cash trapping is spreading and this device is also being used to assist with transaction reversal fraud.””