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Each ATM is allocated a unique secure network address
searchable via hotspots; your debit card has a touch-sensitive
keypad to pre-key in the required amount and warn via
handshake your machine of choice.
When you want to withdraw funds in a certain area, set up
the transaction from, for
example, your car and then
approach the machine to insert card and complete; no more
worries about skimming etc.
[link]
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If you insert your card and there's a skimmer then
you'll get skimmed. Good skimmers read the
magnetic data or chip data on the card. |
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I know... I got skimmed late last year. |
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The idea is that unless the card is activated to
transact with a selected ATM, it is inert so
anyone getting the card data won't be able to use it.
Each transaction terminates on cash withdrawal and
only the true owner of the card can set a transaction
in progress. |
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We apparently have different definitions of
skimming. |
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I was referring to an electronic capture device,
used to fraudulently obtain card info from the
magnetic stripe on the card. |
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Your idea stipulates you have engaged in a
transaction with a specific ATM. Up to that point;
fine. It's where you then say you'll insert your card
in that ATM to complete the transaction that I
have a problem. |
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That's the point at which my card was skimmed,
by a card reader that had a radio device
transmitting card data to a guy with a laptop in
the nearby McDonald's catching PINs and card
numbers and using them in online transactions. |
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The police did. He caught about 300 people in the
small town where I live. |
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Tricky bastard; he dressed as a bank employee and
went to local businesses, offering to service their
eftpos readers. Then, having got their permission,
"upgraded" them to a new reader, as the "fault" in
the old one "wasn't something he could fix outside
of the workshop". |
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Very tidy scam. He'd stolen about $200,000 before
he was caught. |
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Is there such a thing as a gullible gene, I wonder? |
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I think it was a preponderance of "dim" genes that
caught them out. |
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He's not as dim as the ATM thieves that hit several
locations in Maine a couple of years ago. They used a
forklift to bash drive-through ATMs from their bases and
carry them away. They were caught when the owner of an
equipment rental agency saw surveillance-camera footage
of their antics on the local news and recognized his
machine. |
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Compared to that, phreaking card numbers and hacking
readers is effing brilliant. |
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