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  #26 (permalink)  
Old Mar 18, 08
............
 
Join Date: Jul 2004
Vitamin-X will become famous soon enough
I"ve heard amblings of a new system being used in Europe.
Not really sure what it's about, but I hear Signitures are not
part of it.

Apparently it's way more secure.
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  #27 (permalink)  
Old Mar 18, 08
kickitliketae-bo
 
Join Date: Oct 2002
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^micro chip maybe?
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  #28 (permalink)  
Old Mar 18, 08
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Quote:
Originally Posted by Ragga_Wh0re View Post
^micro chip maybe?
thats excatly what i was about to say...

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  #29 (permalink)  
Old Mar 18, 08
kickitliketae-bo
 
Join Date: Oct 2002
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^thats a great picture.
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  #30 (permalink)  
Old Mar 18, 08
Big Deal Lucille
 
Join Date: Nov 2004
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no the micro chip cards require a signature still.
i believe i've seen one of these new euro cards, they require a pin number.
that's more secure, imo.
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  #31 (permalink)  
Old Mar 18, 08
............
 
Join Date: Jul 2004
Vitamin-X will become famous soon enough
Pin are Okay, but they're still vulnerable to Biz based scams; Ie: the "security camera" is set up to look over your shoulder, and there's a
card making factory in the back.

I guess that advanced microchips embedded in the card could make that really hard for the scammers though.
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  #32 (permalink)  
Old Mar 18, 08
sNyx.com
 
Join Date: Nov 2000
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Quote:
Originally Posted by dj_soo View Post
the bad guys mange to clone your card and record you pin. Sometimes it's by swiping your card through their own reader (this is why you should always watch where they swipe the card) or, as happened to me, they have been known to setup quasi-legit, functioning, 3rd party ATM machines that have the card-reading tech installed.

There have also been cases of altering legit bank machines to record the data like this case.

There should be a way to change your pin at will... I know BMO does this but I don't think royal bank does (my bank).
happened to me. shady ATM at 'convenience' store on Thurlow (sp?) across from liquor store (now moved to Granvillie). $200 bucks and a hell hole of issues later I got my money back. wait, fuck. maybe I didnt...
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  #33 (permalink)  
Old Mar 18, 08
prangin' out
 
Join Date: May 2001
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Quote:
Originally Posted by NinjaBoy View Post
A neat trick you can do if your worried about someone finding your credit card and just using it by faking your sig is to write "SEE ID" where the signature is.

Although they only ask for your id about half the time...
yeah but at least you can freak the fuck out on them if they don't ask you, hehe :D
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  #34 (permalink)  
Old Mar 18, 08
GSG9's Avatar
Master Plo Koon
 
Join Date: Sep 2005
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Quote:
Originally Posted by dj_soo View Post

There should be a way to change your pin at will... I know BMO does this but I don't think royal bank does (my bank).
i bank royal, and we can change our pin at any royal bank machine (at least the ones in the banks) i change mine once a month or sometimes every 2.
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  #35 (permalink)  
Old Mar 18, 08
Dance 4 Life
 
Join Date: Oct 2005
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Fuck, now Im a paranoid freaaaaaaak about anything concerning my money haha...I guess this guy at my work just got his account cleaned out by a similar scam. I knew it was out there, but wow, I was so dumb about it...Im going to be so careful now. In fact, Im gonna go change all my passwords and security features for everything that could fuck me over asap.

Glad nothing happen to me, a good slap in the face to wake me out of my innocent reality, geeeze.
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  #36 (permalink)  
Old Mar 18, 08
no clouds in my stones
 
Join Date: May 2001
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Quote:
Originally Posted by Vitamin-X View Post
Some Restaurants will leave a portable Pin machine at your table for ease of use.
Eekk, not very secure.
I'm a loss prevention expert, so here we go:

Actually those are the most secure debit machines because the pinpad is part of the main machine, so it can't be switched out as it's one unit. Most pinpad scams involve the scammers switching out the store's pinpad for a pinpad that records pin numbers and account numbers. The scammers leave that pinpad there for a length of time, then return later to retrieve it and use the numbers it has recorded. Usually, your card won't actually be compromised until 5-10 days after you used it on the compromised machine, so don't assume that it was the last place you shopped - chances are it wasn't. Keep your eyes out for debit pinpads that are not secured to the cash desk (not just the operational cable, there should be a security cable as well) - if there's not, ensure that the store has been keeping the pinpad out of reach of the public when it's not in use. If they're not doing this, don't use your debit card there.

If you work somewhere and you're afraid your pinpad(s) may have been compromised, simply call your service provider (the bank, you should have a manual that came with the machine) and have them confirm that the serial numbers on the back of your pinpad(s) are correct. If they're not, they'll immediately send a technician to replace them - in the meantime, do not use the terminal or the pinpad.

Someone mentioned credit cards with microchips - take a look at your credit card, most new cards have them. The problem is that a lot of companies have not switched to the machines that support the microchip. My store's debit POS terminal has the ability to read the microchips, and it's impossible to put through a credit card purchase (refunds are OK) without inserting the microchip. We use the TD Freedom IV terminal, it's by far the best terminal I've ever used and we love the microchip factor because it's very secure and protects against cloned cards.

Coffee shops and fast food restaurants (especially smaller establishments) are the most prone to debit card fraud because they process a large number of transactions daily and often have their POS terminals sitting on a counter where it's very easy to switch out the pinpads. Scams like this are well planned and executed so quickly that no one notices - it only takes a second for an employee to turn his/her back and someone switch out the pinpad. And it only takes one stupid employee to believe a scammer with a "work order" from the "bank"!
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  #37 (permalink)  
Old Mar 18, 08
not colbert
 
Join Date: Oct 2003
stephen_c will become famous soon enoughstephen_c will become famous soon enough
^
what kind of loss prevention expert are u?
if ur store has a "POS terminal" then isn't it insecure?
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  #38 (permalink)  
Old Mar 19, 08
MissBehavior's Avatar
tee hee!
 
Join Date: Dec 2002
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Quote:
Originally Posted by stephen_c View Post
^
what kind of loss prevention expert are u?
if ur store has a "POS terminal" then isn't it insecure?
POS means "Point of Sale". Secure vs un-secured is as simple as the customer terminals being fixed to the counter (like McDonald's does now, for example). Once locked down, those terminals aren't going ANYWHERE. Plus, more than anything, it's a deterrent...criminals don't want to draw attention to the fact they are doing something they shouldn't be doing.
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  #39 (permalink)  
Old Mar 19, 08
not colbert
 
Join Date: Oct 2003
stephen_c will become famous soon enoughstephen_c will become famous soon enough
not colbert
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  #40 (permalink)  
Old Mar 19, 08
nope.
 
Join Date: Mar 2003
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Quote:
Originally Posted by Revolver View Post
credit cards are FAR easier to catch and have more indepth insurance coverage.


anything that looks suspicious on your end of the month statement you just call....and they fix. CAUSE ITS THERE MONEY.

not your actual 'real' money sittin in a personal account....

your credit card gets hacked and rack...mastercard sweats, your debit card gets hacked and whacked.....your the one sweatn till its fixed.

seriously....i even swipe my mastercard for coffe at tim hortons.
this is actually exactly the opposite of what we did at visa.
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  #41 (permalink)  
Old Mar 19, 08
ultimatebet.com
 
Join Date: Jun 2002
meth0dical will become famous soon enough
and everyone thought debit cards were the greatest thing ever...
im glad my cash doesnt have a magnetic band and pin to steal!
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  #42 (permalink)  
Old Mar 19, 08
............
 
Join Date: Jul 2004
Vitamin-X will become famous soon enough
Quote:
Originally Posted by galaxie View Post
I'm a loss prevention expert, so here we go:

Actually those are the most secure debit machines because the pinpad is part of the main machine, so it can't be switched out as it's one unit. Most pinpad scams involve the scammers switching out the store's pinpad for a pinpad that records pin numbers and account numbers. The scammers leave that pinpad there for a length of time, then return later to retrieve it and use the numbers it has recorded. Usually, your card won't actually be compromised until 5-10 days after you used it on the compromised machine, so don't assume that it was the last place you shopped - chances are it wasn't. Keep your eyes out for debit pinpads that are not secured to the cash desk (not just the operational cable, there should be a security cable as well) - if there's not, ensure that the store has been keeping the pinpad out of reach of the public when it's not in use. If they're not doing this, don't use your debit card there.

If you work somewhere and you're afraid your pinpad(s) may have been compromised, simply call your service provider (the bank, you should have a manual that came with the machine) and have them confirm that the serial numbers on the back of your pinpad(s) are correct. If they're not, they'll immediately send a technician to replace them - in the meantime, do not use the terminal or the pinpad.

Someone mentioned credit cards with microchips - take a look at your credit card, most new cards have them. The problem is that a lot of companies have not switched to the machines that support the microchip. My store's debit POS terminal has the ability to read the microchips, and it's impossible to put through a credit card purchase (refunds are OK) without inserting the microchip. We use the TD Freedom IV terminal, it's by far the best terminal I've ever used and we love the microchip factor because it's very secure and protects against cloned cards.

Coffee shops and fast food restaurants (especially smaller establishments) are the most prone to debit card fraud because they process a large number of transactions daily and often have their POS terminals sitting on a counter where it's very easy to switch out the pinpads. Scams like this are well planned and executed so quickly that no one notices - it only takes a second for an employee to turn his/her back and someone switch out the pinpad. And it only takes one stupid employee to believe a scammer with a "work order" from the "bank"!
Well, now I know. :)
Karma for using paragraphs!
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  #43 (permalink)  
Old Mar 19, 08
no clouds in my stones
 
Join Date: May 2001
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Quote:
Originally Posted by Vitamin-X View Post
Karma for using paragraphs!
Alwaysssssss :)
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  #44 (permalink)  
Old Mar 19, 08
Revolver's Avatar
John RevoLover
 
Join Date: Sep 2002
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Quote:
Originally Posted by robyn View Post
this is actually exactly the opposite of what we did at visa.
and this is why i use mastercard mostly..
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  #45 (permalink)  
Old Mar 19, 08
GSG9's Avatar
Master Plo Koon
 
Join Date: Sep 2005
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yea i mostly use my visa
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