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Most of the time, the attackers will also place a hidden camera somewhere in the vicinity with a view of the number pad in order to record personal identification numbers, or PINs.The camera may be in the card reader, mounted at the top of the ATM, or even just to the side inside a plastic case holding brochures.The thief often has to come back to the compromised machine to pick up the file containing all the stolen data, but with that information in hand he can create cloned cards or just break into bank accounts to steal money.Perhaps the scariest part is that skimmers don't prevent the ATM or credit card reader from functioning properly.Instead of skimmers, which sit on top of the magstripe readers, shimmers are inside the devices.These are very, very thin devices and cannot be seen from the outside.These chip cards, or EMV cards, offer more robust security than the painfully simple magstripes of older credit cards.But thieves learn fast, and had years to perfect attacks in Europe and Canada that target chip cards.

The threats are real and evolving; that's why it's so important to give any ATM or credit card reader a quick check before you use it.

When you slide your card in, the shimmer reads the data from the chip on your card, much the same way a skimmer reads the data on your card's magstripe. For one, the integrated security that comes with EMV means that attackers can only get the same information they would from a skimmer.

On his blog, security researcher Brian Krebs explains that "data collected by shimmers cannot be used to fabricate a chip-based card, but it could be used to clone a magnetic stripe card.

That is a sign a skimmer was installed over the existing one, since the real card reader would have some space between the card slot and the arrows.

Also, the mismatched colors are a dead giveaway that something is off with this ATM.

Classic skimming attacks are here to stay, and will likely continue to be a problem even now that banks have made the shift to EMV chip cards, according to Stefan Tanase, a security researcher at Kaspersky Lab. rollout of EMV cards, some merchants still require customers to use the magstripe.

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