Guest post by James Mowery
An ATM skimming device is used by crooks to steal a person’s bank card information and pin number when a victim uses a targeted ATM. And while they are rarely used, you should always be on the look out for this threat to your financial security.
There are usually two pieces to the thief’s equipment. One involves the skimming device itself, which can be very hard to spot. The ATM skimming device is usually designed to look like it belongs on the machine and is fitted over the actual card reader slot.
While some skimmers are much bulkier than the real card reader, others are extremely slim and barely noticeable. Some people will jiggle a card slot reader to see if it is loose or comes off before using an ATM.
Once you enter your ATM card into one of these skimmers, it will capture your card’s information, which will allow a thief to create a fake card with your information on it.
The second part of the ATM skimming equipment is a device or camera to capture a victim’s pin number. A strategically placed camera is the most commonly used device.
Tiny cameras can be hidden almost anywhere on the ATM machine and are very hard to spot. The most common location for a camera is affixed to the inside of the top of the machine so that it is looking down onto the keypad. In this manner, the camera can capture images of the victims’ pin numbers as they punch them in. However, a camera can be located almost anywhere on the machine where it will have a good view of the keypad.
Occasionally, a more sophisticated skimming device will actually capture the numbers, usually by means of a false keypad that can electronically capture the numbers.
For more information on how to detect ATM skimmers, check out this slideshow:
About the author: James Mowery is a computer geek that writes about technology and related topics. To read more blog posts by him, go to monitors.
CC image by Angus Fraser
We wouldn't be F-Secure without the talented and passionate researchers in our Labs. And today we'd like you to meet one whose inquisitive nature has driven him to become an inventor - and a prolific one at that. In his 14-year career with F-Secure, Jarno Niemelä has racked up an impressive 20 patents to his name and has filed 100 patent applications in total. His achievements recently won the title of "Salaried Inventor of 2014" from a group of Finnish inventors' organizations. I sat down to chat with Jarno about where he gets his ideas, and his advice for others. What area do your inventions focus on? I mostly focus on methods to help detect malware on a system, or methods of preventing malware from entering the system in the first place. How do your ideas come about? Inventions mostly happen in the evening when I'm not at work, and not even trying to think about it. I'll be working on some problem at work, and usually a day or two later, when I'm doing something totally unrelated on my own time, it hits me. I understand the problem and come up with a solution. The gym is a really good place for inventions. What motivates you to keep on inventing new solutions? Inventions just happen, pretty much. Whenever I'm able to define a problem, I'm usually always able to come up with a solution. I am lucky to be researching in areas with problems that others have not yet solved. I'll be honest, I don't really like patents that much personally. The fact is though, that companies without patents would pretty much be at the mercy of the competitors. So in my view, patents are basically company self defense. Patents keep things in balance. Were you curious about things growing up? I've always kind of been inventive. You cannot learn to become an inventor, it's either something that's in your nature or it's not. And then you need to hone the talent and learn how to work within the patent framework. Another thing that is very important is good basic education and knowledge about the field. I owe a lot to Metropolia University of Applied Sciences where I studied for my engineering degree. Do you have any advice for people who have this inventive nature and are interested in filing patents? It all starts from defining and understanding the problem. Without a thorough understanding of the problem, you can't come up with a solution. Also, when it comes to patents, it's important to know what has previously been done in your area, and be clear in exactly how your invention is different from those. Otherwise your patent can be easily rejected by the patent examiner. And finally, patents are a long process so you need patience. It can take three to five years to get a patent approved. So this is not for hasty people. What is that rock you're holding? It's my trophy, a piece of Finnish bedrock! Inventors are the bedrock of new products. Do you have any certain goals for your inventions? Before I retire I would like to have at least 50 patents to my name. - Well, he's off to a great start. Congratulations, Jarno! Follow Jarno on Twitter
The EFF has put together a handy guide on choosing the right VPN -- virtual private network -- that explains in simple terms why you'd want to use this type of software. "It enables a computer to send and receive data across shared or public networks as if it is directly connected to the private network—benefiting from the functionality, security, and management policies of the private network," the guide explains. It goes on to clarify the three reasons people typically encrypt their data. Most people already using a VPN do so for the two reasons: They connect to a corporate network remotely or are attempting avoid Internet censorship in countries like China and Iran. But even if you're not using a VPN for business or digital freedom, there is a simple reason why you'd want to use a VPN. "You can also use a commercial VPN to encrypt your data as it travels over a public network, such as the Wi-Fi in an Internet café or a hotel," the EFF writes. I put together this flow chart that explains whether you're a candidate for this third reason to use a VPN: “A good number of open wi-fi providers take the time to tell you in their T&C that there are inherent risks with wireless communications and suggest using a VPN,” F-Secure Security Advisor Sean Sullivan said after we conducted a public Wi-Fi experiment. “So if you don’t take it from me, take it from them.” And even if you aren't on a public network, you may want a VPN to protect you from ubiquitous tracking elements like a perma-cookie. You can try our super simple Freedome VPN solution -- which also includes tracking protection and the ability to set up virtual locations -- free. [Image via Trevor Cummings | Flickr]
First Finland, next the world! We knew it all along, and now it's confirmed: F-Secure Freedome, our super-simple security and online privacy app, has won the Best Mobile Service in Finland award. Freedome took away the award in the Utility and Infotainment category. Freedome's product manager, Paivi, and Samu, head of Consumer Security at F-Secure, were on hand to accept the award. "It's great to see F-Secure, a 25-plus-year-old company, competing among startups --- and winning, thanks to Freedome's fresh and user-friendly design," says Paivi. The competition was organized by Teleforum and The Federation of Finnish Technology Industry together with key industry players such as Microsoft, Nokia, Samsung, IBM and others. 110 mobile services were evaluated in 11 categories. Check out Freedome for yourself to see what the buzz is about!