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ATM Card Skimming
& PIN capturing –
Customer Awareness Guide




Group Security
Commonwealth Bank of Australia
November 2009
What is ATM card skimming?


     ATM Skimming is a world-wide problem




     Skimming is a method used by criminals to capture
     data from the magnetic strip on the back of an ATM
     card



     The devices used are smaller than a deck of
     cards and are fastened in close proximity to, or over
     the top of the ATM‟s factory-installed card reader



Commonwealth Bank Group Security                             2
What is PIN capturing?

      Personal Identification Number (“PIN”) capturing is a
      world-wide problem




      PIN capturing refers to a method of strategically
      attaching cameras and various other imaging devices
      to ATMs to fraudulently capture PIN numbers



      Once captured, the electronic data is encoded onto
      fraudulent cards and the captured PINs are used to
      withdraw money from customers‟ accounts




Commonwealth Bank Group Security                              3
Spotting devices on an ATM


                                           • Light diffuser area
                                       1

           1
           1                               • Speaker area
                                       2
                      2
                                           • ATM side fascia
                                       3
      3                            3
                          4                • Card reader entry slot
                5                      4

                                           • ATM keyboard area
                                       5




Commonwealth Bank Group Security                                      4
Skimming devices




                                   Could you tell if
                                   this ATM had a
                                   skimming device
                                   fitted to the card
                                   reader?




Commonwealth Bank Group Security                        5
Skimming devices: spot the difference




  - Normal fascia                         - Skimmer device attached near
  An unadulterated ATM fascia. The        the card reader slot.
  flashing lead-through entry indicator   Although the device has been given
  can be easily seen.                     the appearance of being a standard
  Note: Most skimming devices will        part of the terminal, it is in fact an
  obscure the flashing entry indicator.   additional fitted piece - clearly
  This detail serves as a vital clue in   different from the photo on the left.
  identifying suspect tampering.          Note: No flashing lead-through light
                                          can be seen & the shape of the bezel
                                          is clearly different.


Commonwealth Bank Group Security                                                   6
Skimming devices




                                   An example of
                                   a skimming
                                   device being
                                   „piggy-backed‟
                                   onto the card
                                   reader




Commonwealth Bank Group Security                    7
Skimming devices




                                   Another
                                   example of a
                                   skimming
                                   device being
                                   installed on
                                   the ATM‟s card
                                   reader




Commonwealth Bank Group Security                    8
….Now take a closer look




Commonwealth Bank Group Security   9
Skimming devices




                                   An example of
                                   where a hole was
                                   made in the fascia
                                   to insert a
                                   skimming device.
                                   The fascia plate
                                   was then replaced
                                   to conceal the
                                   entry point




Commonwealth Bank Group Security                        10
PIN capturing devices



                                   The ATM fascia
                                   plate
                                   (highlighted in
                                   yellow) has a
                                   PIN capturing
                                   device fitted to
                                   the top of the
                                   ATM – typically,
                                   these devices
                                   are difficult for
                                   the untrained
                                   eye to detect




Commonwealth Bank Group Security                       11
PIN capturing devices
Closed




                                   Open



  The PIN
  capturing
  device has
  been
  installed on
  the inner
  side of the
  fascia plate




Commonwealth Bank Group Security      12
PIN capturing devices

                                1     A brochure holder has been placed
                                      on the side ATM fascia wall




                                       2




    Take a closer look at brochure
  holder….- a pin-hole camera has
    been installed. This is done to
capture images of the keypad and
    customers‟ inputting their PIN


 Commonwealth Bank Group Security                                         13
PIN capturing devices – keyboard fascia




                                   A skimmer plate
                                   can be placed
                                   over the top of
                                   the existing
                                   keyboard as a
                                   method of PIN
                                   capturing




Commonwealth Bank Group Security                     14
PIN capturing devices




                                   An example of
                                   what an ATM
                                   skimmer plate
                                   can look like




Commonwealth Bank Group Security                   15
Facts on skimming devices
1




                       2




                                              3




                                                                    4
    • Skimming             • Length of time       • Successful          • Criminals may
      devices are            skimming               skimming              stay nearby to
      normally               devices can            requires both         observe
      affixed to             be affixed can         a card                proceedings &
      ATMs during            vary, but              skimmer (card         remove
      periods of low         normally are           reader) &             equipment at
      traffic, e.g.          no more than           camera (PIN           short notice in
      early                  for 24 hours           capturing             order to later
      morning/late                                  device) to be         download
      evening                                       fitted to the         information.
                                                    ATM in order        • This data may
                                                    to steal card         be transmitted
                                                    data                  wirelessly to
                                                                          other devices
                                                                          located
                                                                          nearby




Commonwealth Bank Group Security                                                            16
How can you reduce the risk?
1        Familiarise yourself with the appearance of your ATM


2        Inspect the ATM for unusual or non-standard appearance


3        Familiarise yourself with the look/feel of the ATM fascia on the machines


4        Always use your hand to shield your PIN when entering it


5        Inspect all areas of the fascia


6        Is there anything unusual? (card reader, area immediately above the screen)


7        Report any unusual appearance immediately to branch staff or Police


        By being vigilant, you can reduce the risk of skimming

    Commonwealth Bank Group Security                                                   17

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ATM Awareness Guide

  • 1. ATM Card Skimming & PIN capturing – Customer Awareness Guide Group Security Commonwealth Bank of Australia November 2009
  • 2. What is ATM card skimming? ATM Skimming is a world-wide problem Skimming is a method used by criminals to capture data from the magnetic strip on the back of an ATM card The devices used are smaller than a deck of cards and are fastened in close proximity to, or over the top of the ATM‟s factory-installed card reader Commonwealth Bank Group Security 2
  • 3. What is PIN capturing? Personal Identification Number (“PIN”) capturing is a world-wide problem PIN capturing refers to a method of strategically attaching cameras and various other imaging devices to ATMs to fraudulently capture PIN numbers Once captured, the electronic data is encoded onto fraudulent cards and the captured PINs are used to withdraw money from customers‟ accounts Commonwealth Bank Group Security 3
  • 4. Spotting devices on an ATM • Light diffuser area 1 1 1 • Speaker area 2 2 • ATM side fascia 3 3 3 4 • Card reader entry slot 5 4 • ATM keyboard area 5 Commonwealth Bank Group Security 4
  • 5. Skimming devices Could you tell if this ATM had a skimming device fitted to the card reader? Commonwealth Bank Group Security 5
  • 6. Skimming devices: spot the difference - Normal fascia - Skimmer device attached near An unadulterated ATM fascia. The the card reader slot. flashing lead-through entry indicator Although the device has been given can be easily seen. the appearance of being a standard Note: Most skimming devices will part of the terminal, it is in fact an obscure the flashing entry indicator. additional fitted piece - clearly This detail serves as a vital clue in different from the photo on the left. identifying suspect tampering. Note: No flashing lead-through light can be seen & the shape of the bezel is clearly different. Commonwealth Bank Group Security 6
  • 7. Skimming devices An example of a skimming device being „piggy-backed‟ onto the card reader Commonwealth Bank Group Security 7
  • 8. Skimming devices Another example of a skimming device being installed on the ATM‟s card reader Commonwealth Bank Group Security 8
  • 9. ….Now take a closer look Commonwealth Bank Group Security 9
  • 10. Skimming devices An example of where a hole was made in the fascia to insert a skimming device. The fascia plate was then replaced to conceal the entry point Commonwealth Bank Group Security 10
  • 11. PIN capturing devices The ATM fascia plate (highlighted in yellow) has a PIN capturing device fitted to the top of the ATM – typically, these devices are difficult for the untrained eye to detect Commonwealth Bank Group Security 11
  • 12. PIN capturing devices Closed Open The PIN capturing device has been installed on the inner side of the fascia plate Commonwealth Bank Group Security 12
  • 13. PIN capturing devices 1 A brochure holder has been placed on the side ATM fascia wall 2 Take a closer look at brochure holder….- a pin-hole camera has been installed. This is done to capture images of the keypad and customers‟ inputting their PIN Commonwealth Bank Group Security 13
  • 14. PIN capturing devices – keyboard fascia A skimmer plate can be placed over the top of the existing keyboard as a method of PIN capturing Commonwealth Bank Group Security 14
  • 15. PIN capturing devices An example of what an ATM skimmer plate can look like Commonwealth Bank Group Security 15
  • 16. Facts on skimming devices 1 2 3 4 • Skimming • Length of time • Successful • Criminals may devices are skimming skimming stay nearby to normally devices can requires both observe affixed to be affixed can a card proceedings & ATMs during vary, but skimmer (card remove periods of low normally are reader) & equipment at traffic, e.g. no more than camera (PIN short notice in early for 24 hours capturing order to later morning/late device) to be download evening fitted to the information. ATM in order • This data may to steal card be transmitted data wirelessly to other devices located nearby Commonwealth Bank Group Security 16
  • 17. How can you reduce the risk? 1 Familiarise yourself with the appearance of your ATM 2 Inspect the ATM for unusual or non-standard appearance 3 Familiarise yourself with the look/feel of the ATM fascia on the machines 4 Always use your hand to shield your PIN when entering it 5 Inspect all areas of the fascia 6 Is there anything unusual? (card reader, area immediately above the screen) 7 Report any unusual appearance immediately to branch staff or Police By being vigilant, you can reduce the risk of skimming Commonwealth Bank Group Security 17