Credit Card Skimming in Local Restaurant

"cybercat" <[email hidden]> wrote

Quoted message said:

"Nancy Young" <[email hidden]> wrote

Quoted message said:

Quoted message said:

"Goomba38" <[email hidden]> wrote

Quoted message said:

That is for debit cards, not charge cards. When I use my AMEX at
restaurants I'm never asked for a PIN.

My American Express information was stolen and used by
someone in a local store where no one took my card out of
my sight. I don't know about this swiping business, all they
need to know is printed right there on the card. I was
lucky I just happened to notice the charges piling up on my
card while it was still only $1700.

Quoted message said:

I wonder how they did it?

Got me. They were busted for using other people's card info,
too. They not being the store, they being some employee.

nancy

T said:

In article <[email hidden]>, sf says...

Quoted message said:

On Wed, 5 Dec 2007 22:23:50 -0600, "jmcquown" <[email hidden]>
wrote:

Quoted message said:

Quoted message said:

Normally there's a long wait unless you get there very early. It's a shame
the owner is reporting business has dropped off because of this scheme. It
was certainly not her fault.

Quoted message said:

It's time more restaurants adopted the European style portable card
readers. Your credit card never leaves your sight, so there is less
room for fraud.

There's always room for fraud. Those mobile terminals are wireless
terminals. As it currently stands, a suitably equipped PC can crack WEP
passwords fairly easily. I wouldn't imagine WPA is far behind.

And knowing device manufacturers like I know device manufacturers, they
took the cheap way out as far as encrypting the wireless connection.

There's a lot more to it than WEP or WPA. some of them use cellular
technology and the authorisation piece is done under a separately
encrypted conversation between the card, reader and the authorisation
switch. The PIN pads are encrypted so that no data is transmitted in
the clear and only a valid response from the auth host is acceptable
or the transaction is rejected. If the card is cloned (and here in the
UK we only accept CHIP based transaction, magstrip is old hat) the
Bank will know and the card can be retained

Doc

<<Mr. B's Restaurant in Germantown, TN...Normally there's a long wait
unless you get there very early. It's a shame the owner is reporting
business has dropped off because of this scheme. It was certainly not
her fault. >>

I frequent the Border's Bookstore that's right next to this
restaurant, and the smell of steak wafting from the restaurant is
heavenly. However, I've only eaten at this this restaurant a few
times and I've found the service to be poor. It seems to do very
well, though; I'm sure the business will recover very soon.

Goomba38 <[email hidden]> wrote in message
news:[email hidden]...

Quoted message said:

Nathalie Chiva said:

I have a Mastercard credit card which has a chip and
I do have to enter my PIN. The problem with chipcards
in the US is the NIH syndrome...

National Institute of Health?? Huh?

"Not Invented Here." Not strictly a US-based philosophy but
Industry does like reinventing the wheel often enough...

ObFood: Eggo Waffles, slathered with butter, floating in Log Cabin
syrup.

The Ranger

Nancy Young said:

"Goomba38" <[email hidden]> wrote

Quoted message said:

That is for debit cards, not charge cards. When I use my AMEX at
restaurants I'm never asked for a PIN.

My American Express information was stolen and used by
someone in a local store where no one took my card out of
my sight. I don't know about this swiping business, all they
need to know is printed right there on the card. I was
lucky I just happened to notice the charges piling up on my
card while it was still only $1700.

nancy

I just saw a news report on this. All a criminal has to do is plug in a
reader to the terminal using a machine and a USB cord. You can capture the
credit card numbers and in some cases, the reader will record a person's pin
if they're using a debit card. The news report was stressing the importance
of using credit vs. debit this holiday season.

kili

Nancy Young said:

"cybercat" <[email hidden]> wrote

Quoted message said:

"Nancy Young" <[email hidden]> wrote

Quoted message said:

Quoted message said:

"Goomba38" <[email hidden]> wrote

> That is for debit cards, not charge cards. When I use my AMEX
> at restaurants I'm never asked for a PIN.
My American Express information was stolen and used by someone in
a local store where no one took my card out of my sight. I don't
know about this swiping business, all they need to know is
printed right there on the card. I was lucky I just happened to
notice the charges piling up on my card while it was still only
$1700.

Quoted message said:

I wonder how they did it?

Got me. They were busted for using other people's card info, too.
They not being the store, they being some employee.

nancy

How about just a peculiar knack for memorizing numbers? I know that's
low-tech, but it works.

Bob

"kilikini" <[email hidden]> wrote

Quoted message said:

Nancy Young wrote:

Quoted message said:

Quoted message said:

My American Express information was stolen and used by
someone in a local store where no one took my card out of
my sight. I don't know about this swiping business, all they
need to know is printed right there on the card. I was
lucky I just happened to notice the charges piling up on my
card while it was still only $1700.

Quoted message said:

I just saw a news report on this. All a criminal has to do is plug in a
reader to the terminal using a machine and a USB cord.

Gotcha. I confess that I could pay more attention when I
hand over my card, I'm usually more concerned about bagging,
whatever else catches my attention, but I didn't see the guy do
anything funny.

Quoted message said:

You can capture the credit card numbers and in some cases, the reader will
record a person's pin if they're using a debit card. The news report was
stressing the importance of using credit vs. debit this holiday season.

Debit cards do not offer enough protection for my taste. I
only use debit at the cash machine, even then I don't use them
just anywhere if I can help it, like the machine at the gas station.
Credit cards have so many more advantages, then you just pay
when the bill comes. Debit card actually attached to my bank
account? No thanks, that's too much exposure for me.

nancy

"zxcvbob" <[email hidden]> wrote

Quoted message said:

Nancy Young said:

"cybercat" <[email hidden]> wrote

Quoted message said:

"Nancy Young" <[email hidden]> wrote

Quoted message said:

> "Goomba38" <[email hidden]> wrote
>
>> That is for debit cards, not charge cards. When I use my AMEX
>> at restaurants I'm never asked for a PIN.
> My American Express information was stolen and used by someone in
> a local store where no one took my card out of my sight. I don't
> know about this swiping business, all they need to know is
> printed right there on the card. I was lucky I just happened to
> notice the charges piling up on my card while it was still only
> $1700.

Quoted message said:

I wonder how they did it?

Got me. They were busted for using other people's card info, too.
They not being the store, they being some employee.

How about just a peculiar knack for memorizing numbers? I know that's
low-tech, but it works.

(laugh!) I actually said that, then deleted it. All the information they
need is printed right on the card, if someone is so inclined, what's to
stop them from memorizing it?

nancy

Nancy Young said:

"zxcvbob" <[email hidden]> wrote

Quoted message said:

Nancy Young said:

"cybercat" <[email hidden]> wrote

> "Nancy Young" <[email hidden]> wrote

>> "Goomba38" <[email hidden]> wrote
>>
>>> That is for debit cards, not charge cards. When I use my AMEX
>>> at restaurants I'm never asked for a PIN.
>> My American Express information was stolen and used by someone in
>> a local store where no one took my card out of my sight. I don't
>> know about this swiping business, all they need to know is
>> printed right there on the card. I was lucky I just happened to
>> notice the charges piling up on my card while it was still only
>> $1700.

> I wonder how they did it?

Got me. They were busted for using other people's card info, too.
They not being the store, they being some employee.

How about just a peculiar knack for memorizing numbers? I know
that's low-tech, but it works.

(laugh!) I actually said that, then deleted it. All the information
they need is printed right on the card, if someone is so inclined,
what's to stop them from memorizing it?

nancy

Do stores still use those clunky things that produce a carbon copy of card
information? (You can tell I don't use credit cards to shop much, eh?)

Jill

Nancy Young said:

"Goomba38" <[email hidden]> wrote

Quoted message said:

That is for debit cards, not charge cards. When I use my AMEX at
restaurants I'm never asked for a PIN.

My American Express information was stolen and used by
someone in a local store where no one took my card out of
my sight. �I don't know about this swiping business, all they
need to know is printed right there on the card. �I was
lucky I just happened to notice the charges piling up on my
card while it was still only $1700.

nancy

This is true... all someone needs is the credit card number,
expiration date, code number from the back of the card, and the
billing address... no one needs to swipe a credit card to make a
purchase on line or over the phone... and one can give any shipping
address.

But, the thing is the major credit card companys have very
sophisticated safeties built in so that a card can't make multiple
purchases, can't make simultaneous purchases, can't make purchases
within a short time frame, can't make purchases of similar items
within a particular time frame (ie. will reject for more than one TV,
vacuum cleaner, auto tires, etc. within say a one month period), and
many other features. I know this works because on a few occasions my
Visa has been rejected when I purchased an item and then went back the
next day to buy another identical item... happened at Staples when I
bought a cannon printer, and went the next day to buy one for my
brother as a gift... had to speak with a visa rep on the phone to
explain and supply certain identifying info.

It's a good idea to ask for a new card number with each new card
issued... my visa is good for three years, costs me $5 to get a new
number each time, same fee as for a reissue if you report a card lost/
stolen.

And of course everyone needs a paper shredder, and use it.. makes a
great holiday gift.

Sheldon

On Thu, 6 Dec 2007 11:22:56 -0500, "Nancy Young" <[email hidden]>

Quoted message said:

(laugh!) I actually said that, then deleted it. All the information they
need is printed right on the card, if someone is so inclined, what's to
stop them from memorizing it?

nancy

I saw something on TV about how meth gives people the ability to do
things like that. It was sad and scarry. I don't have a pure past
but I'm glad that's something I never got into.

Lou

Goomba38 said:

Janet Baraclough said:

Quoted message said:

And knowing device manufacturers like I know device manufacturers, they
took the cheap way out as far as encrypting the wireless connection.

passwords?

When the card is in the machine and has been verified, the payer enters
a PIN on the keypad (4-digit Personal Id Number). Out of view of the
waiter.The transaction won't go through without the correct PIN.

Janet. (UK)

That is for debit cards, not charge cards. When I use my AMEX at
restaurants I'm never asked for a PIN.

In the UK? I doubt it. If you don't use your pin, the vendor is
responsible for any fraud.

Doug
--
Doug Weller --
A Director and Moderator of The Hall of Ma'at http://www.hallofmaat.com
Doug's Archaeology Site: http://www.ramtops.co.uk
Amun - co-owner/co-moderator http://groups.yahoo.com/group/Amun/

Wayne Boatwright said:

Oh pshaw, on Thu 06 Dec 2007 12:26:18a, Sqwertz meant to say...

Quoted message said:

Wayne Boatwright said:

Come to think of it, the last place I ate at was this very restaurant
back in 2000 when David and I were on our Drive to Phoenix in our move
out here.

You haven't eaten for over 7 years?

I would certainly be much thinner if that were true. No, it was the last
time I ate at that particular restaurant. <but you knew that>

Not really. The way you worded it left a few avenues of
speculation open.

Just trying to get in as many wiseass remarks to tide you over
for that week you'll be offline :-)

-sw

"Lou Decruss" <[email hidden]> wrote

Quoted message said:

On Thu, 6 Dec 2007 11:22:56 -0500, "Nancy Young" <[email hidden]>

Quoted message said:

(laugh!) I actually said that, then deleted it. All the information they
need is printed right on the card, if someone is so inclined, what's to
stop them from memorizing it?

Quoted message said:

I saw something on TV about how meth gives people the ability to do
things like that.

Who'd have thought. Very interesting.

Quoted message said:

It was sad and scarry. I don't have a pure past
but I'm glad that's something I never got into.

If you have to do drugs, Meth is a nasty choice.

nancy

Oh pshaw, on Thu 06 Dec 2007 03:01:11p, Sqwertz meant to say...

Quoted message said:

Wayne Boatwright said:

Oh pshaw, on Thu 06 Dec 2007 12:26:18a, Sqwertz meant to say...

Quoted message said:

On Thu, 06 Dec 2007 05:04:15 GMT, Wayne Boatwright wrote:

> Come to think of it, the last place I ate at was this very restaurant
> back in 2000 when David and I were on our Drive to Phoenix in our move
> out here.

You haven't eaten for over 7 years?

I would certainly be much thinner if that were true. No, it was the

last

Quoted message said:

Quoted message said:

time I ate at that particular restaurant. <but you knew that>

Not really. The way you worded it left a few avenues of
speculation open.

Just trying to get in as many wiseass remarks to tide you over
for that week you'll be offline :-)

-sw

Oh, well, one can surmise anything. Obviously, I omitted "When I was in
Memphis". No one else seemed to have a comprehension problem.

--
Wayne Boatwright

Date: December 6th,2007

*******************************************
Countdown 'til Christmas
2wks 2dys 8hrs 30mins
*******************************************
Will the information superhighway have
any rest stops?
*******************************************

Nancy Young said...

Quoted message said:

If you have to do drugs, Meth is a nasty choice.

The WORST. My #1 Bud has a non-stop 24-hour voice (except during sleep which
takes alcohol to accomplish) in his head from a long meth binge. The only way
he can shut it off is by talking. When we speak, I can hardly get a word in
edgewise. Began 1991. Refuses medical help. He was convinced it was his
father until he died, then he found someone else to blame.

Andy

Wayne Boatwright said:

Oh pshaw, on Thu 06 Dec 2007 03:01:11p, Sqwertz meant to say...

Quoted message said:

Wayne Boatwright said:

Oh pshaw, on Thu 06 Dec 2007 12:26:18a, Sqwertz meant to say...

> On Thu, 06 Dec 2007 05:04:15 GMT, Wayne Boatwright wrote:
>
>> Come to think of it, the last place I ate at was this very restaurant
>> back in 2000 when David and I were on our Drive to Phoenix in our move
>> out here.
>
> You haven't eaten for over 7 years?

I would certainly be much thinner if that were true. No, it was the

last

Quoted message said:

Quoted message said:

time I ate at that particular restaurant. <but you knew that>

Not really. The way you worded it left a few avenues of
speculation open.

Just trying to get in as many wiseass remarks to tide you over
for that week you'll be offline :-)

Oh, well, one can surmise anything. Obviously, I omitted "When I was in
Memphis". No one else seemed to have a comprehension problem.

<sigh>

-sw

zxcvbob said:

Nancy Young said:

"cybercat" <[email hidden]> wrote

Quoted message said:

Quoted message said:

"Nancy Young" <[email hidden]> wrote

Quoted message said:

Quoted message said:

> "Goomba38" <[email hidden]> wrote

Quoted message said:

Quoted message said:

>> That is for debit cards, not charge cards. When I use my AMEX
>> at restaurants I'm never asked for a PIN.
> My American Express information was stolen and used by someone in
> a local store where no one took my card out of my sight. �I don't
> know about this swiping business, all they need to know is
> printed right there on the card. �I was lucky I just happened to
> notice the charges piling up on my card while it was still only
> $1700.

Quoted message said:

Quoted message said:

I wonder how they did it?

Quoted message said:

Got me. �They were busted for using other people's card info, too.
They not being the store, they being some employee.

Quoted message said:

nancy

How about just a peculiar knack for memorizing numbers? �I know that's
low-tech, but it works.

Bob- Hide quoted text -

- Show quoted text -

Right , I know my AMEX number and , very handy.
Rosie

The message <[email hidden]>
from Goomba38 <[email hidden]> contains these words:

Quoted message said:

Janet Baraclough wrote:

Quoted message said:

Quoted message said:

Quoted message said:

And knowing device manufacturers like I know device manufacturers, they
took the cheap way out as far as encrypting the wireless connection.

passwords?

When the card is in the machine and has been verified, the payer enters
a PIN on the keypad (4-digit Personal Id Number). Out of view of the
waiter.The transaction won't go through without the correct PIN.

Janet. (UK)

Quoted message said:

That is for debit cards, not charge cards.

In the UK, PINS are now used for both debit and credit (charge)
cards. Those mobile card machines used in restaurants here only work
with a PIN keyed in, and we can use both debit and credit (charge) cards
in them.

Janet.

Wayne Boatwright said:

Oh pshaw, on Thu 06 Dec 2007 03:01:11p, Sqwertz meant to say...

Quoted message said:

Wayne Boatwright said:

Oh pshaw, on Thu 06 Dec 2007 12:26:18a, Sqwertz meant to say...

> On Thu, 06 Dec 2007 05:04:15 GMT, Wayne Boatwright wrote:
>
>> Come to think of it, the last place I ate at was this very
>> restaurant back in 2000 when David and I were on our Drive to
>> Phoenix in our move out here.
>
> You haven't eaten for over 7 years?

I would certainly be much thinner if that were true. No, it was
the last time I ate at that particular restaurant. <but you knew
that>

Not really. The way you worded it left a few avenues of
speculation open.

Just trying to get in as many wiseass remarks to tide you over
for that week you'll be offline :-)

-sw

Oh, well, one can surmise anything. Obviously, I omitted "When I was
in Memphis". No one else seemed to have a comprehension problem.

Except technically, the restaurant is in Germantown 😉