| ss=MsoNormal>ATM fraud issues in the most part | | | | describe attacks against card processors and other |
| involve credit card fraud and debit card fraud. The | | | | components of the transaction processing network. |
| ATM machine may be the common purchase | | | | The US have experienced a number of high profile |
| point’ (CPP) where analysis shows that a | | | | ATM hack’ attacks against well known |
| significant number of credit cards or debit cards were | | | | credit card and debit card processors. Some of the |
| used genuinely in one specific location prior to detection | | | | systems security breaches have included compromise |
| of subsequent fraudulent transactions. Even when not | | | | of the PIN in addition to the card data, with subsequent |
| the CPP, automated teller machines may be the | | | | fraudulent spend using cloned credit cards and cloned |
| mechanism used to convert compromised credit cards | | | | debit cards at ATMs. |
| and debit cards into hard cash, so long as the credit | | | | Another ATM fraud issue is ATM card theft which |
| card fraud or debit card fraud included compromise of | | | | includes credit card trapping and debit card trapping at |
| the personal identification number (PIN). | | | | ATMs. Originating in South America this type of ATM |
| ATM skimming is now common in most parts of the | | | | fraud has spread globally. Although somewhat |
| world that have a mature network of ATMs, | | | | replaced in terms of volume by ATM skimming |
| self-service terminals and point of sale (POS) terminals | | | | incidents, a re-emergence of card trapping has been |
| that accept magnetic stripe based credit cards and | | | | noticed in regions such as Europe where EMV Chip |
| debit cards. Most bank ATM security issues and ATM | | | | and PIN cards have increased in circulation. |
| fraud issues involving ATM skimming are the result of | | | | ATM funds transfer fraud is prevalent in Asia. This |
| criminals attaching an ATM skimmer to the ATM card | | | | ATM scam involves criminals tricking victims into using |
| reader slot. Europe has historically been one of the | | | | the automated teller machine to transfer money into |
| most targeted geographies for ATM skimming attacks, | | | | the criminals account. |
| although the world-wide spread of such ATM | | | | ATM security attacks involving physical attacks |
| skimming fraud has been, and continues to be | | | | against the ATM security enclosure are widely spread. |
| significant. | | | | ATM explosive attacks although originating and not |
| ATM deposit fraud which includes both cash deposit | | | | uncommon in Europe are more prevalent in Australia |
| fraud and cheque fraud (check fraud) at automated | | | | and South Africa. |
| teller machines is one type of ATM fraud that is | | | | ATM ram raid incidents also occur globally but are |
| particularly common in the US where many banks | | | | most prevalent in the US, perhaps partly due to the |
| have a culture of crediting and allowing drawings | | | | large number of ATMs deployed in soft-target |
| against the deposit prior to manual reconciliation and | | | | locations such as convenience stores.ATM security |
| verification. | | | | incidents involving a high degree of precision to gain |
| ATM hacking should really only be used to describe | | | | access to the ATM security enclosure occur globally. |
| attacks against the internals of the ATMs software or | | | | The UK and Canada have experienced many such |
| the ATMs systems security but is commonly used to | | | | precision ATM security attacks in recent years. |