Definition of a Skimmer
A skimmer is a device that is designed to steal credit card information from unsuspecting victims. It can be installed on ATMs, gas pumps, or other types of payment terminals, and it works by capturing the card’s magnetic stripe data and PIN number when the victim inserts their card. Skimmers are typically small and inconspicuous, making them difficult to detect.
How Skimmers Work
Skimmers are typically installed over the top of the legitimate card reader, making it difficult for the victim to notice that anything is amiss. When the victim inserts their card into the compromised terminal, the skimmer captures the card’s magnetic stripe data. Some skimmers also include a hidden camera or keypad overlay that is designed to capture the victim’s PIN number as they enter it.
Once the skimmer has collected the card data and PIN number, it can then be retrieved by the criminal. This is typically done by removing the skimmer from the compromised terminal and accessing the stolen data. Skimmers often use Bluetooth or other wireless technology to transmit the stolen data to the criminal, so they do not need to physically retrieve the device.
Different Types of Skimmers
Skimmers come in a variety of forms and can be installed in different types of payment terminals. The most common types include:
- ATM Skimmers: These are installed directly over the ATM’s card reader and are typically designed to blend in with the ATM’s appearance.
- Gas Pump Skimmers: These are installed on the outside of the gas pump, typically over the card reader. They may be disguised as part of the pump or as a security seal.
- Point-of-Sale Skimmers: These are installed on the payment terminals at retail stores, restaurants, or other businesses. They can be attached to the card reader or hidden inside the terminal itself.
How to Protect Yourself from Skimmers
While skimmers are becoming increasingly sophisticated, there are steps you can take to protect yourself from falling victim to this type of fraud:
- Be vigilant: Before using any payment terminal, take a close look at the card reader and keypad. Look for any signs of tampering, such as loose or mismatched parts, or anything that seems out of place.
- Use secure ATMs: Stick to ATMs located at reputable banks or in well-lit, busy areas. Criminals are less likely to tamper with these machines.
- Protect your PIN number: Use your hand or another object to shield the keypad as you enter your PIN, to prevent hidden cameras or keystroke loggers from capturing your information.
- Monitor your accounts: Regularly review your bank and credit card statements for any unauthorized transactions. If you spot anything suspicious, report it to your financial institution immediately.
- Use contactless payments: Consider using payment methods such as mobile wallets or contactless cards, which do not require you to physically insert your card into a payment terminal.
A skimmer is a device used by criminals to steal credit card information. It can be installed on ATMs, gas pumps, or other payment terminals and is designed to capture the card’s magnetic stripe data and PIN number. Skimmers are difficult to detect and come in different forms, such as ATM skimmers, gas pump skimmers, and point-of-sale skimmers. To protect yourself from skimmers, it is important to be vigilant, use secure ATMs, protect your PIN number, monitor your accounts, and consider using contactless payment methods. By taking these precautions, you can reduce the risk of falling victim to skimming fraud.
