对我们来说，使用信用卡或借记卡进行交易比携带纸币和钱包里的零钱更容易、更好。一方面，塑料卡让我们的生活更轻松，另一方面与信用卡欺诈(credit card frauds)有关，例如偷窃和盗窃 (stealing pins, )密码(skimming)等。这不是一个美好的世界，你不能把信用卡给别人，假设不会发生任何坏事. 随着在 eBay 和其他地方以低至 50 美元的价格出售的设备，刷信用卡从未如此简单。由此获得的数据可以在暗网中出售给其他人或(Darknet)用于制造假卡以谋取个人利益。
什么是信用卡略读
使用非法手段读取存储在磁条部分中的信用卡数据称为信用卡浏览(credit card skimming)。为此，市场上有不同类型的设备可用。这些类型的读者不能被禁止，因为它们并不违法。这些迷你设备可以放入您的裤子口袋，为任何愿意窃取和存储数据的人提供服务。一旦获得数据，就不难得到相关的pin码。
有关的：
有时，可以通过制造假冒的密码垫(counterfeit pin pads)来获得密码，毫无戒心的人可以在其中输入他或她存储在设备中的密码。ATM 掠夺(ATM skimming)是一种犯罪行为，即在您刷信用卡的地方放置一个盘子。甚至在ATM可以读取您的卡数据之前，这些盘子就会读取数据并将其存储在本地或以无线方式将其发送到其他计算机。将一块板小心地水平放置在槽中。一进卡，非法车牌先读取数据，再读取ATM机。在需要信用卡信息的加油站等处可以采用相同的技术。
阅读(Read)：您如何保护自己免受Carding 信用卡欺诈(Carding credit card fraud)？
窃取信用卡密码
这种流行的方法使用热量产生的点(heat generated points)。按下 pin 垫，输入 pin 后不会显示任何物理迹象。但是如果一个人使用特殊的眼镜，他可以看到按键上的绿灯。这种光实际上是按键产生的热量。然后犯罪分子可以创建一个组合。此外，由于首先按下的大头针会比按下的键更热，最后，使用特殊眼镜创建组合变得更容易。换句话说，第一次按下的键将发出较低强度的光信号，而最后按下的键将发出更大的强度。
另一种流行的方法是使用针式相机(pin camera)。一个小型摄像头——用户看不见——安装在密码键盘上，可用于窃取信用卡密码。相机可以保存数据或使用无线信号将其传输到远程计算机。
阅读(Read)：什么是 EMV 信用卡(What Are EMV Credit Cards)？
保护自己免受信用卡掠夺(Credit Card Skimming)欺诈
在与信用卡略读相关的不同网站上列出了几种方法。我在这里为您收集了一些方法：
1] 请勿让他人将信用卡或借记卡带离您的视线。在餐馆等，服务员拿走里面的卡。你不知道他们在里面做什么。他们可能会使用其中一种窃听设备来窃取您的数据。陪伴服务员总是更好。对于某些信用卡公司，现在需要输入密码，因此在刷卡时您需要在场。最好的方法是去他们用来将便携式机器带到您餐桌上的餐厅。
2]如果你被要求刷两次卡或两次输入密码，这可能是一个陷阱。您可能想用现金支付。如果设备看起来可疑，在您获得有关设备的正确信息之前，请勿允许滑动。
3] 为了保护别针，请在输入别针后将手放在别针垫上。那样的话，使用特殊眼镜的人使用加热方法来破译你的密码会失败。将手放在密码键盘上会加热所有按钮，因此，您可以阻止他们使用热波读取您的密码的企图。
4 ] 最后(] Finally)，继续定期检查您的财务报表。这将给出您或您未完成的任何交易。如果发现异常，请通知卡公司并更换卡。在某些情况下，您也可以拿回您的钱。
信用卡掠夺欺诈导致了一种名为(Credit Card Skimming)FormJacking的新型网络犯罪。我们已经在链接的文章中讨论了 FormJacking 是什么以及它的预防措施。
如果您有什么要补充的，请分享。(If you have anything to add, do share.)
现在阅读登机牌条形码中存储的所有信息以及您应该关心的原因。
Credit Card Skimming and Pin Theft Frauds - How to stay safe
It is much easier and better for us to use credit or debit cards for transactions than carrying paper currency and change in our pυrses. While on one side the plastic cards have made our lives easier, the other side is related to credit card frauds like skimming and stealing pins, etc. It is not a good world and you cannot give your credit card to someone assuming nothing bad can happen. With devices as low as $50 being sold on eBay and elsewhere, skimming of credit cards was never easier. The data obtained thus can be sold to others in the Darknet or used to create counterfeit cards for personal gains.
What is Credit Card Skimming
Reading your credit card’s data that is stored in the magnetic strip part using illegal means is called credit card skimming. There are different types of devices available in the market for this purpose. And these types of readers cannot be banned as they are not illegal. These mini devices can fit into your pants’ pocket and serve anyone willing to steal and store the data. Once the data is obtained, it is not hard to get the related pin code.
Related:
Sometimes the pin code can be obtained by producing counterfeit pin pads where the unsuspecting person enters his or her pin that is stored in the device. ATM skimming is a crime where a plate is placed on the place where you swipe your credit card. Even before the ATM can read your cards’ data, the plates read the data and either store it locally or send it to other computers wirelessly. A plate is placed horizontally in the slot carefully. As soon as you enter the card, the illegal plate first reads the data and then the ATM machine. The same technique can be employed at gas stations, etc. that require credit card information.
Read: How do you protect yourself against Carding credit card fraud?
Stealing the Credit Card PIN
This popular method uses the heat generated points. A pin pad when pressed, will not show any physical signs after entering the pin. But if a person employs special eyeglasses, he can see the green light on the keys pressed. This light is actually heat generated by pressing the keys. Then the criminals can create a combination. Also, since the pin pressed first will be less hot than the key pressed, at last, it becomes easier to create combinations using special glasses. In other words, the key pressed at first will give away lower intensity light signals while the key pressed at last will be of greater intensity.
Another popular method is to employ a pin camera. A small camera – invisible to users – is employed over the pin pad and can be used to steal pin of credit cards. The camera can hold the data or transmit it to remote computers using wireless signals.
Read: What Are EMV Credit Cards?
Protect yourself from Credit Card Skimming fraud
There are several methods listed on different websites related to credit card skimming. I have collected some methods for you here:
1] Do not allow people to take credit or debit cards away from your sight. In restaurants etc., waiters take away the card inside. You do not know what they are doing inside. They may use one of the skimming devices to steal your data. It is always better to accompany the waiter. For some credit card companies, it is now necessary to enter a pin so you will be required to be present when the card is swiped. The best method is to go to a restaurant where they use to bring the portable machines to your table.
2] If you are asked to swipe the card twice or enter the pin twice, it could be a trap. You may want to pay up in cash instead. If a device looks suspicious, do not allow swiping until you have proper information about the device.
3] For protecting pins, keep the hand over the pin pad after entering your pin. That way, people using special glasses to decipher your pin using the heat method will fail. Keeping your hand on the pin pad will heat all the buttons and thus, you can foil their attempt to read your pin using heat waves.
4] Finally, keep on checking your financial statements regularly. This will give out any transactions that were not done by you or yours. If you find anomalies, inform the card company and get the card replaced. In some cases, you may get your money back too.
Credit Card Skimming frauds have led to a new type of cybercrime named FormJacking. We have discussed what FormJacking is and its prevention in the linked article.
If you have anything to add, do share.
Now read about what all information is stored in the Boarding Pass Barcode and why you should care.
