Card cloning is a form of theft or ATM Machine Fraud where fraudsters use a small device to steal Credit/Debit card information. A cloning or skimming device is designed to look like the hardware on an existing ATM, or like a regular and in-store card swiping machine is very difficult to notice as they can be quite Skillfully fitted to the payment machines or ATMs. Cloning devices store the card information from the magnetic strip on the card, which can be program to a new card and can be use for shopping or even directly steal money from bank accounts.
As Technology is getting advance day-by-day, fraudsters come up with new and innovative ideas to steal money, at the same pace, either virtually or hard cash. Now, most of the people are aware about social engineering attacks like vishing, phishing and ATM Machine fraud related to online transactions, but they are not aware about card- cloning fraud, where the fraudsters steal your hard money directly from the debit or credit card.
Debit card is a boon to the banking sectors ,no doubt, it reduces 90 percent work load of bank employees as well as aid the bank customers to withdraw their money. ‘Where there is a boon there will be bane’ and fraudsters know very well how to use this bane part to steal your money. What they do is, they develop a device which creates a duplicate Debit/Credit card and stores complete bank account details in it which helps to do transactions through ATM machine or card swiping machine. In this fraud, attackers misguide the complete ATM machine to steal card details.
Techniques to create clone card | ATM Machine Fraud
- While using the ATM machine to get cash and somehow your procedure gets stuck then an anonymous person might clone your debit card in the name of help.
- Fraudsters Use fake Skimming devices over real-one to clone Debit cards and use fake keypad or camera over keypad to record ATM Pin.
- Sometimes bartenders, wait staff, shop assistants, fuel-station workers are the prime suspects behind card cloning ATM Machine Fraud. they use fake skimmer devices to clone credit/debit cards at the time of the transaction.
The cloning device is divide into two parts- one for reading card details and the other for recording PIN number. The cloning device is design according to the machine. Below are the images of fake skimmer or card cloning devices and you can easily see how capable it is to clone a card.
Precautions:
- Check the ATM machine skimmer and keypad whether it is real or fake before cash withdrawal.
- Check the presence of any camera over and near the keypad.
- Hide the keypad from the other hand when you enter the ATM Pin.
- Avoid any kind of help from strangers during cash withdrawal.
- Avoid strangers’ presence inside ATM during cash withdrawal, it helps to prevent shoulder surfing.
- thus, Avoid crowded places or public places to do any online transaction.
- Do not hand over your credit/Debit card to bartenders, waiters and other hotel staff for transactions.
Sample output of card clone device MSR605:
The MSR605 Device software reads and writes Credit/Debit cards details which are swiped through MSR605 Device.
Process to create a clone card | ATM Machine Fraud
- Connect MSR605 device to Computer or laptop using USB cable .
- Open it’s predefine software to read and also write.
- Click on the read button.
- then, swipe the card through the device.
- Take a blank magnetic stripe card.
- then, Click on the write button.
- Now swipe the blank card through the device.
- For verification, Again Click on the read button and swipe that cloned card and check whether the card information is correct or not.
written by: Nikhil Mehra
Reviewed By: Sayan Chatterjee
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