techeblog.com — This is why you should always pay cash when eating out. A waitress uses a special device to extract data from the credit card?s magnetic strip ? includes name, address, etc. It only takes minutes to prep, and seconds to steal.
Feb 17, 2007 View in Crawl 4
tfizzleFeb 18, 2007
No way Visa pays for fraudulent activity. The consumer never loses and the credit card company never loses.They may tell you that they do, but in fact, the retailers pay for it. It's called a chargeback. When a customer disputes a charge, the retailer gets a chargeback, basically notifying the merchant that the disputed amount WILL be deducted from the merchant account. If the merchant is lucky and has good records, sometimes they can win a chargeback dispute. But, 9 times out of 10 you lose. And with Amex, you will 100% of the time. The customer pretty much always wins, and the credit card company ALWAYS wins--they never lose money on a transaction--ever.
smittingFeb 18, 2007
I was surprised how easy it is the read a credit card the first time I got ahold of some magnetic scanner hardware, but this is all child's play compared to the identity theft possible with RealID. I've changed my credit card number about 5 times in the last 7 years... if RealID uses biometrics then you can't change your "number". Scary! And you might not even require direct contact to read the card? scarier!
zdigglerFeb 18, 2007
Every body use Checks in Montana. I was there a few years back, I have to wait for people writing checks to pay for gas. :(They still got Pump First gas pumps too.
chathackFeb 18, 2007
Skimmerless debit card theft makes your bank account at risk: <a class="user" href="http://www.youtube.com/watch?v=p4O05ibGzls">http://www.youtube.com/watch?v=p4O05ibGzls</a> .
mikeonFeb 18, 2007
Never seen a wireless terminal before. But how easy would it be for someone to create their own terminal to read, and copy the card, and record the pin number you put on it?
zbeastFeb 19, 2007
Skimming credit cards is not real hard technology.If someone skims your credit card who cares.Your credit card company has the eat the charges. This is why you should review your credit cards bills ever month and always call and dispute charges the second you see something wrong.
willethFeb 19, 2007
"in American restaurants the server walks to a terminal that sometimes is very far away from the customer and can do as they like...copy down the credit card number, name, expiration, security code....I could do it in seconds if I wanted to because I write very fast, and I could do it dozens of times a day and have more credit lines available to me than I'd ever know what to do with."And under the current UK system, that's a lot harder to do. Chips are harder to clone, and the customer has to be present when the details are entered. Where PIN fails, sig strips are good, and vice-versa. That was my point.
bobskiFeb 21, 2007
Uh, just how do you "note the PIN" when none is required in a normal restaurant transaction? (at least not here in the States)
kd1sFeb 22, 2007
The problem is, all you need is the account number, expiration, verification code and name on the card to use it elsewhere.
techtractionMar 2, 2007
Nice post because most people think their credit card is only vulnerable when they use it on the Web. This article is a proof positive that even if you don't do any commerce on the web, you're still at risk.
xandrozJun 27, 2007
An article about how information are stored on a magnetic card:<a class="user" href="http://www.jaec.info/Home%20Automation/Magnetic-Cards/Magnetic_Cards_introduction.php">http://www.jaec.info/Home%20Automation/Magnetic-Cards/Magnetic_Cards_introduction.php</a>
abigail41Aug 27, 2008
Normally when people swipe their card it hits the account as an authorization or hold not as a charge. The funds are then deducted from the available balance. Depending on the financial institution the authorization or hold on the funds is released usually after 24 to 48 business hours.Mostly in our country we had a method of dialing the secret number in reverse side, so that the police department came to know that the person is in trouble.... hats of to this type of security....the credit card with chips are the absolute favorite things of carders. The government keeps inventing new stupid technologies to fight carders, and carders love it, they love a challenge.....------------------------------------------------abigailDebit Card Machines
rewer1Mar 6, 2009
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twizzlenicoleAug 5, 2009
Golden rule, never - ever - ever let a waiter or whoever go off with a card...
kookasApr 14, 2010
I think my card's been cloned, cause it's been used to pay the Transport for London LEZ charges, buy some food from JustEat, some drink, and then O2 credit. Lulz, the chances of it xD