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Additionally, skimmers have been deployed in fuel stations most notably in Arizona (Krebs, 2016f).
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Notably, while only one store using this PoS system was compromised, numerous other retailers in the United States use VeriFone terminals (Krebs, 2016d).įigure 3 – An overlay credit card skimmer retrieved from an Ingenico self-checkout PoS terminal at a Wal-Mart store with a device (bottom) for offloading stolen data (Adapted from (Krebs, 2016d))Īs with the previous overlay skimmer, this particular device captures PIN and magnetic stripe information and is easy to attach to terminals (Krebs, 2016). The first is a PIN pad overlay necessary to capture a user’s PIN and the second records credit or debit card data stored in the magnetic strip. This overlay skimmer is composed of two components. Skimmers have also been encountered in the wild in point of sale terminals such as for VeriFone terminals (Krebs, 2013c), in several Wal-Mart stores in Virginia and Kentucky (Krebs, 2016d) as well as Safeway credit and debit self-checkout terminals stores in Colorado (Krebs, 2016e).įigure 2 – An overlay skimmer retrieved from a VeriFone self-checkout terminal in use at a Safeway store (Adapted from (Krebs, 2016e)) Information obtained through this attack vector, while likely discoverable by card associations and banks, can last numerous months and are superlatively difficult to prosecute (Krebs, 2015a).įigure 1 – An ATM PIN capture overlay device retracted to reveal the actual PIN entry pad (Adapted from (Krebs, 2010)) The link between skimmers and organized is uniquely chronicled in extant resources (Martinez, 2014 Krebs, 2015b). SkimmersĪutomated teller machine (ATM) and gas pump skimmers are often tied to organized crime (Krebs, 2015a). This section discusses the means or strategies by which financially motivated actors steal credit card data including through ATM skimmers, point of sale (PoS) attacks, and data breaches. These technologies are, in themselves, attack vectors and threats are delivered by means of insider or outsider threats and through third party vendor breaches. Points of weaknesses in this processing infrastructure include point of sales terminals, automated teller machines (ATMs), customer databases such as those operated by electronic commerce sites, Internet banking, and insurance firms, and user or personnel files. For instance, vulnerabilities on the side of the issuing or acquiring bank such as insider threats or processor breaches jeopardize the security of personal information (Krebs, 2015a). The positions of these players in the payment chain represent opportunities for credit card theft and, broadly, identity theft (Anderson, Manifavas & Sutherland, 1996). The issuing bank extends credit to the customer in the form of a credit card while the acquirer bank processes the credit card payment made by the consumer. accepting) and issuing banks and customers (Anderson, Manifavas & Sutherland, 1996). The credit card ecosystem depends on the relationship between acquiring (i.e.
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The multi-page report closes with a set of recommendations and observations on how to increase card information security and reflects on unresolved and emergent vulnerabilities in the card-processing infrastructure. To achieve this objective, this report details the strategies that “carders” use to obtain fraudulently card information and the ecosystem established to ensure that they profit from this information. Due to the increasing sophistication of card theft and the streamlined processes of profiting from the crime, it is imperative that consumers and industry practitioners reflect on the life of a stolen credit card. The later occurs when cardholders’ financial information is obtained by unauthorized individuals and utilized with fraudulent intent. Identity theft is mostly associated with credit card theft. The Life of a Stolen Credit Card Introduction
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