Skimming

Skimming - a crime of illegally copying a magnetic strip of a payment card without the knowledge of the holder to produce copies and perform unauthorized payments for goods and services or withdrawals from cash dispensers. Currently skimming is also targeted at chip cards with unprotected SDA class and DDA class chips that are considered safer. Because the copied card in the electronic banking system behaves like an original card, all the transactions made with it are at the expense of the original cardholder and charged to the account.

There are two types of skimming: skimming in a merchant and skimming a cash dispenser.

Skimming at a retail store involves making a copy of the card by the seller or another person who has come into her possession temporarily. Because criminals do not always have the opportunity to know the PIN code of a cloned card, they can use only for cards that do not require PIN authorization, and only for payments for goods and services. They can not use a copied card to collect cash from ATMs.

Much more dangerous is the skimming ATM, where criminals install special devices on the ATM or the reader (reader) to retrieve data from the magnetic strip or chip (reader) and the PIN: camera, fake keyboard or flat circuit board located in the card reader so that you can overhear and manipulate communication between the terminal and the chip and get a PIN. The information that is recorded in this way is most often transmitted via radio and is used to produce fraudulent cards that can be used to collect cash from bank accounts through ATMs.

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