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Crazy Thin ‘Deep Insert’ ATM Skimmers

krebsonsecurity.com

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Re: Crazy Thin ‘Deep Insert’ ATM Skimmers

#131

Post by CSMastermind »

roguesherlock wrote: post #125

Do people not get any messages when they make any transactions? In my county you literally get messages for every transaction. And you also have to add in otp for every transaction online.

No - I only get asked for approval on particularly suspicious transactions, normally based on amount, merchant reputation, and geography.

I believe this difference is because in the US merchants are on the hook for fraudulent transactions and in the rest of the world the customer is on the hook.

So if someone steals my card and makes a bad transaction, I just go into the app, flag it as fraud/not me and no money comes out of my bank account. The merchant ends up eating the cost because it's better for them to eat a small fraud percentage than to add more friction to the checkout process.

Re: Crazy Thin ‘Deep Insert’ ATM Skimmers

#132

Post by grishka »

schwartzworld wrote: post #52
gpt5 wrote: post #30

Earlier quoted context omitted.

Contactless transactions using your phone are fast, secure and easy. Over time they will replace almost all current usage of chip & pin or magnetic stripe.

Sounds like a nightmare

You can also tap with the card but you'll have to enter the PIN if you're paying more than some amount (different for different currencies and/or banks).

Re: Crazy Thin ‘Deep Insert’ ATM Skimmers

#133

Post by reaperducer »

maherbeg wrote: post #32
reaperducer wrote: post #16

Earlier quoted context omitted.

I often just leave the house with my phone and buy stuff with apple pay. I admire your uncomplicated, predictable life. Sometimes I want to buy something from a guy with the ice cream cart at the park. Sometimes I need to tip a valet, a doorman, a hotel maid, or another service worker. Sometimes I want to buy Girl Scout cookies from the girl with the table on the corner. Sometimes I want to buy something from one of…

You'd be surprised how often you can ask "do you have a venmo?" and just tip service workers via the QR code.

Someone tried to tip the valet in my garage with Venmo once. It turned into a near 20-minute ordeal with half a dozen people backed up behind her waiting to get their cars.

Re: Crazy Thin ‘Deep Insert’ ATM Skimmers

#134

Post by tempofinale »

willhackett wrote: post #119
AnssiH wrote: post #97

Earlier quoted context omitted.

For Mastercard: > The magnetic stripe will start to disappear in 2024 from Mastercard payment cards in regions, such as Europe, where chip cards are already widely used. Banks in the U.S. will no longer be required to issue chip cards with a magnetic stripe, starting in 2027. https://www.mastercard.com/news/perspectives/2021/magnetic-s... I think it has been over a decade since my last magstripe transaction (in a con…

The only time I've used magnetic stripe in the last decade was in the US.

My hsa card still only has a mag stripe. Every time I use it, I swear the young receptionist doesn't know what to do with the card lol.

Re: Crazy Thin ‘Deep Insert’ ATM Skimmers

#135

Post by JasonFruit »

callalex wrote: post #84
JasonFruit wrote: post #72

Earlier quoted context omitted.

"Contactless" is not a noun, and I refuse to allow it to become one without opposition.

Why?

Because structure lack gives annoy to understand. If words speech partshift we creation lots of confuse.

Re: Crazy Thin ‘Deep Insert’ ATM Skimmers

#137

Post by tempofinale »

akira2501 wrote: post #38
gpt5 wrote: post #30

Earlier quoted context omitted.

Contactless transactions using your phone are fast, secure and easy. Over time they will replace almost all current usage of chip & pin or magnetic stripe.

No thanks. I like things that work without having to be charged.

Charged for what? I have payment options on my phone so I don't have to bring my wallet everywhere. Works great, even for public transit and it's the same price as the card.

Re: Crazy Thin ‘Deep Insert’ ATM Skimmers

#138

Post by randyrand »

skunkworker wrote: post #22

I'm still a little surprised I can't easily get chip-only credit cards that have no magnetic strip on the rear, but rather have a backup card that has a strip, and use chip/tap for everything else.

Just run a powerful magnet over the stripe a few times.

Re: Crazy Thin ‘Deep Insert’ ATM Skimmers

#139

Post by randyrand »

jlawson wrote: post #66

Can I be safe against this if I just put electrical tape over the magnetic stripe on the credit card? Or any other kind of covering. If I ever actually need it (very rare) I can just pull the tape off.

Electrical tape does not block magnetism.

Re: Crazy Thin ‘Deep Insert’ ATM Skimmers

#140

Post by Mountain_Skies »

bryan0 wrote: post #9

It's crazy how I never carry cash anymore. I can't even think of the last time I used an ATM. I often just leave the house with my phone and buy stuff with apple pay. Also how is magnetic strip still a thing? I thought this was replaced with chip and tap years ago...

The Dairy Queen I stopped by today used a mag strip reader but it is becoming increasingly uncommon. The local grocery store had to revert to using it twice last year when there was something wrong with the chip approval process. This was on all registers so I don't think it was the readers themselves that were the issue unless perhaps they had received a bad update that was later corrected.

But it does seem like the more secure these systems are getting, the less robust they are. Perhaps that's just one of the tradeoffs we have to accept. The college football season started with a game between Nebraska and Illinois in Dublin, Ireland. The beer at the game was free because there was a technical issue with the payment provider. Being a "cashless stadium", they simply had no way of accepting payment.

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