Data skimming is a sort of cyber-crime that involves the stealing of payment card information, such as credit card or debit card numbers
and associated data, for fraudulent uses.
This practice is known as card skimming or credit card skimming.
Without the cardholders’ knowledge or approval, criminals utilize a variety of techniques and tools to gather this sensitive data. The standard process of data skimming is as follows:
1. Data Storage:
The information taken by skimming devices is often kept on a tiny memory card or another type of storage device. These data may be periodically retrieved by criminals.
2. Skimming Devices:
Criminals install skimming devices on legitimate card readers, such as ATMs, gas station pumps, or point-of-sale (POS) terminals. These devices are often small and inconspicuous, making them difficult to detect.
3. Data Capture:
The magnetic stripe data, which includes the card number, expiration date, and occasionally the cardholder’s name, is captured when a cardholder puts their payment card into a compromised card reader. Through a keypad overlay, some more skilled skimmers can also obtain the card’s PIN.
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