Cyber Crime
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This document summarizes how debit and credit card fraud works and has become a major crime. It discusses the history of credit cards from the 1940s and debit cards in the 1980s. The document then explains how fraudsters are able to gain card information through hacking, skimming devices, or online purchases of stolen numbers. It also details how criminals produce counterfeit cards and modify ATMs with cameras and card overlays to steal debit card pins and commit fraud. While law enforcement works to prevent fraud through new technologies and investigations, the document notes that information and tools are easily accessible online, making card fraud a low risk and highly profitable crime.
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• Company names mentioned herein are the property of, and may be trademarks of, their respective owners and are for educational purposes only.
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Credit Card Fraud 97
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Running head HOW TO AVOID INTERNET SCAMS AT THE WORKPLACE 1 .docx
Running head: HOW TO AVOID INTERNET SCAMS AT THE WORKPLACE 1
How to avoid internet scams at the workplace
Christophe Bassono
CIST3000: Advanced Composition IS&T
Amanda L. Gutierrez, M.S. & M.A.
UNO-Fall 2018
HOW TO AVOID INTERNET SCAMS AT THE WORKPLACE 2
Online Fraud: How to Avoid Internet Scams in the Workplace
This section outlines how the researcher envisions presenting the report. The outline
demonstrates the different sections in which the report will be broken into and the
information that will be contained in each section
Introduction
Definition
Online fraud refers to deceitful schemes that are done using the internet. Online fraud may
come in the form of financial theft, identity theft or a combination of both.
History of Online Fraud
An influx of online fraud began to be experienced in the 1990s with the increased technology
use and e-commerce. In the beginning, online fraud was done by using the names of famous
celebrities of the time to commit internet crimes. Over time, more technical and sophisticated
plans were developed such as creating card-generator applications with real credit card
numbers, setting up dummy merchant websites and mass identity theft. Today, despite
attempts by various governments to regulate and mitigate online fraud, more sophisticated
online fraud schemes have been established ranging from credit card fraud to phishing,
hacking, and identity theft (Saeger & Probert, 2015).
In the recent past, computer fraud has evolved through a series of advancements outplaying
the traditional security defenses such as the two-factor authentication, antivirus, and SSL
encryption in the process. Zeus and SpyEye are the most common attack tools used by
hackers since they support the gathering of vast volumes of extremely sensitive
authentication data. It has been established that no single application is immune to attacks
and the malicious attackers are focusing more on online banking accounts because they offer
HOW TO AVOID INTERNET SCAMS AT THE WORKPLACE 3
most direct payoff. Online fraud is based on three core technologies: the botnet controllers
capable of handling hundreds of thousands of bots, highly effective data collection, and
sophisticated Trojans that are updateable.
Form grabbing for PCs running IE/Windows has been a simplified approach for fraud. The
technique helps attackers to extract data within browsers. The deployment of form grabbing
on compromised PCs allowed hackers to obtain numerous numbers of online bank account
IDs and passwords. The password-based authentication was termed no longer safe for online
banking prompting the introduction of two-factor authentication (Mellinger, 2011).
Nevertheless, criminals still found the loophole that helps them to challenge the security of
two-factor authentication through web injects. Malicious attackers that promote online fraud
have created various techniques.
Ijcsi 9-4-2-457-462
This document discusses two-factor authentication in the banking sector, specifically evaluating its performance for automated teller machines (ATMs). It provides background on ATMs, including a brief history of their development from the late 1960s onward. It describes how two-factor authentication works for ATM transactions, requiring both the physical ATM card and a personal identification number (PIN). The document examines different factors of authentication and classifications of factors into things the user has, knows, and is (biometrics).
ATM.pdf.pptx
This document discusses automated teller machine (ATM) fraud, including its causes, effects, and controls. It notes that ATM fraud refers to illegal transactions using an ATM, such as fraudulent deposits or skimming card information. Common causes of fraud include customer carelessness with cards and PINs, as well as the use of outdated ATM software by some banks. Effects of fraud include financial costs to individuals, businesses, and governments, as well as legal and psychological costs. The document outlines various types of ATM fraud and recommends controls for customers, such as protecting PINs, and for banks, such as using microchip technology and monitoring ATMs with cameras. In conclusion, the document argues that controlling AT
The Rise and Rise of Web Fraud
Guest talk on Web Fraud to Network Security, Elect Eng Sydney University.
Web1.0 generated revenues from advertising. In Web2.0 new monetization models were sought. Good stuff but eventually all these eCommerce sites wake up to discover that the fraudsters have moved in.
Limited only by their imagination and the monetization model, fraudsters will do things like: login hijacks, false signups, purchases with stolen credit cards, money laundering, nigerian/419 scams etc etc.
This talk talks about a few of these problems, how it gets done and what solution/responses exist.
ATM Security
The document discusses the key components and security features of an ATM system. It describes the parts of an ATM like the card reader, keypad, display screen and cash dispenser. It explains how ATMs connect to a host computer and database to authenticate users and process transactions. The document outlines security measures like physical security of the machine, limits on withdrawal amounts, authentication of users, ensuring data integrity and confidentiality when transmitted over the network. It emphasizes the importance of keeping PINs secure and reporting lost cards. In conclusion, it notes how ATMs have become widely used globally for their convenience of allowing cash access anytime without human assistance.
Smart card emv for dummies
This presentation provides an overview of EMV (Europay, Mastercard, and Visa) chip cards for payment transactions. It defines key terms like smart cards, chip cards, and contactless cards. It explains that EMV uses chip technology and cryptograms to authenticate cards and transactions, improving payment security. It also outlines the different payment methods, verification methods like chip-and-PIN and chip-and-signature, and authentication methods including online PIN and offline cryptogram verification. The presentation aims to help readers better understand the basics of EMV technology.
AN OVERVIEW OF THE BANK FRAUD AND ITS DETECTION TECHNIQUES THROUGH DATA MINING
Using modern methods of the electronic commerce in daily life transactions is increasing because of the
growth and the comfortable access of the people to the internet and social networks. The electronic
payment systems are one of the most important electronic commerce methods and the electronic payment
fraud is a major problem.For example, the credit card fraud loss increases every year and is regarded as
one of the important issues in the credit card institutes and corporations. Therefore, fraud detection is
considered as an important research challenge. Fraud reduction is a complicated process requiring a body
of knowledge in many scientific fields. Based on the kind of the fraud the banks or the credit card institutes
face, different measures may be taken. This paper compares and analyzes the available recent findings on
the credit card fraud detection techniques. The objectives of the present study are first to detect different
credit card and electronic commerce fraud and then to investigate the strategies used for the purpose of
detection.
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The document summarizes a data breach at Target Corporation in which customer payment card data was stolen. It discusses how the network was compromised through malware installed on point-of-sale registers, and that credentials from an HVAC vendor were used to access Target's system. The breach could have been prevented through better compliance with security standards and use of EMV chip technology, which is more widely used internationally than in the US.
Credit Card Fraud 97
Credit card fraud has been an issue since credit cards were first introduced in the 1950s. The document discusses the history of credit cards and common forms of credit card fraud such as skimming, where card information is stolen, and application fraud. It provides examples of famous cases of credit card fraud and recommends precautions like monitoring credit card statements and using encryption to help prevent fraud.
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Automated teller machine (ATM) theft is a major problem, with estimates of 5,500 crimes per year in the US. Criminals use various methods like card skimming, card trapping, and deposit fraud to steal people's card information and PINs to withdraw money from their accounts. Banks can help prevent such theft by implementing better security technologies like biometrics and alert systems, as well as educating customers about common scams.
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This document discusses the use of facial recognition technology at ATMs. It begins with an introduction and outline. It then provides background on the history of ATMs, including their invention in the late 1960s. It discusses the need for facial recognition at ATMs to reduce fraud. The document explains how facial recognition works by analyzing nodal points on the face and creating a unique faceprint. It describes the identification process and advantages of using this technology, such as reduced fraud and convenience. Potential disadvantages include recognition not being unique enough and the need for time to match images. In conclusion, the document argues that additional security like facial recognition is needed due to increasing ATM fraud.
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This document proposes an ATM system that uses facial recognition instead of cards and PINs for verification. It would work by having a camera installed on the ATM that takes a photo of the customer's face and compares it to an image stored in the bank's database associated with the account. This would provide increased security by matching a live photo to the stored image without needing a card or PIN. The document outlines the components, techniques, process and potential benefits of such a biometric-based ATM system for more reliable authentication.
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This document discusses adding facial recognition technology to ATMs. It proposes combining a physical access card, PIN, and facial recognition for added security. The main challenges are keeping verification time negligible, allowing for variation in a customer's face, and enabling credit card use without banks having customer photos. Facial recognition could match a live image to one stored in a bank database associated with the account, neutralizing stolen card and PIN fraud. With appropriate lighting and software, variations could be accounted for, and additional images stored over time to decrease false negatives. This added security could reduce theft by bank employees and the impact of stolen cards and PINs.
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This document describes an automated teller machine (ATM) with enhanced security features that uses facial recognition technology. It discusses how current ATMs use cards and PINs for identity verification and the shortcomings of this approach. The proposed ATM would use a camera to capture a live image of the customer's face and compare it to a stored facial image to verify their identity before dispensing cash, providing a more secure method of authentication. The document outlines how the facial recognition system would work and the benefits of using biometric identification to protect both consumers and financial institutions.
An ATM With Third Eye The Future’s Technological Innovation
Eldad Lieberman started out a company known as elyi systems and supplied hundreds of business's with the capability to have ATM'S to enable customers to get cash to buy things.
DTS Solution - Hacking ATM Machines - The Italian Job Way
This document discusses hacking ATM machines through physical access. It begins by explaining that ATMs are vulnerable targets due to outdated Windows XP systems, internet connectivity, and lack of proper monitoring. It then outlines a methodology for hacking ATMs that involves gathering information on technician access and patterns, bypassing physical security by posing as a technician, exploiting Windows XP weaknesses, manipulating default credentials to control the firmware, installing malware like Backdoor.MSIL.Tyupkin or Backdoor.Ploutus to silently empty cash cassettes, and returning later to withdraw money without detection. The document presents hacking ATMs as an easy task once physical security is overcome.
AN ATM WITH AN EYE BY SAIKIRAN PANJALA
An ATM with facial recognition and iris scanning is proposed to improve security. It would use cameras to capture images of the user's face and iris to match against stored images associated with their bank account, replacing the need for an ATM card and PIN. If the live and stored images match, the user would be verified. This system aims to make ATM transactions more reliable, efficient and secure compared to existing card/PIN verification methods. The document provides background on ATMs, biometric identification techniques, and describes how a facial/iris recognition system could work and the potential benefits.
Ce hv6 module 58 credit card frauds
The document discusses credit card fraud and methods of detecting and preventing it. It defines e-crime as when electronic devices are used to enable criminal offenses. It then explains that credit card fraud involves theft using credit cards and fake payment mechanisms. It also outlines best practices for protecting credit cards, such as signing cards and reporting losses immediately. Additionally, the document describes credit card generators as software that can generate fake credit card details to make fraudulent online purchases.
Cant touch this: cloning any Android HCE contactless card
There is no doubt that mobile contactless payments has grown exponentially and Host Card Emulation – the possibility to emulate payment cards on a mobile device, without dependency on special Secure Element hardware, has also significantly boosted the number of applications.
HCE support for Android is usually delivered as an external, certified “black-box” library to compile in your application. Obviously vendors promise “highest level of security” – including: card data tokenization, “secure element in the cloud”, device fingerprinting, phone unlock requirement, code obfuscation, additional authorization, etc. For mobile payments, they often successfully convince implementing bank that it is technically impossible to “clone” a virtual card from owner’s device to another one.
Based on several assessments, we have noticed that even IT security representatives were surprised by the possibilities of mobile malware to attack the process. Not to mention risk departments, which took into consideration only a few limited-value fraudulent transactions made by an accidental thief using a stolen phone. Therefore, delivering the PoC demo of card cloning to a different device, every time caused confusion and uncertainty the least. Furthermore, proving that the intruder is also able to renew virtual card tokens, or make payments for higher amounts, turned out to be a shock.
With introduction of root-exploiting financial malware, they already have technical means to attack HCE. Therefore it is now crucial to understand associated risks, and properly plan mitigation ahead. This presentation will start with a short introduction on HCE – including “ISIS”‘s role in its complicated history, current coverage and growth predictions, basics of operation, typical infrastructure and differences in hardware Secure Element. We will cover several possibilities to attack HCE including a universal method of cloning any Android contactless payment (including Google’s own Android Pay) to a different device. Several layers of security mechanisms to mitigate the risk will be presented along with some statistics on methods used by current applications. The audience will leave with a deep understanding of HCE technology and its limitations, along with exemplary solutions to potential problems.
EMV and the consumer Final
This document discusses the transition from magnetic stripe credit cards to EMV chip cards in the United States. It provides background on EMV technology and why the US was late to adopt chip cards. The document outlines that counterfeit credit card fraud in the US accounted for over half of all global fraud, driving the transition to EMV. While the US is implementing "chip and signature" instead of "chip and pin" like other countries, the fraud liability shift in 2015 will incentivize merchants to upgrade their card readers to support EMV chip cards. The document warns consumers may see growth in online "card not present" fraud and provides tips to help protect from threats like keyloggers and malware.
Running head HOW TO AVOID INTERNET SCAMS AT THE WORKPLACE 1 .docx
Running head: HOW TO AVOID INTERNET SCAMS AT THE WORKPLACE 1
How to avoid internet scams at the workplace
Christophe Bassono
CIST3000: Advanced Composition IS&T
Amanda L. Gutierrez, M.S. & M.A.
UNO-Fall 2018
HOW TO AVOID INTERNET SCAMS AT THE WORKPLACE 2
Online Fraud: How to Avoid Internet Scams in the Workplace
This section outlines how the researcher envisions presenting the report. The outline
demonstrates the different sections in which the report will be broken into and the
information that will be contained in each section
Introduction
Definition
Online fraud refers to deceitful schemes that are done using the internet. Online fraud may
come in the form of financial theft, identity theft or a combination of both.
History of Online Fraud
An influx of online fraud began to be experienced in the 1990s with the increased technology
use and e-commerce. In the beginning, online fraud was done by using the names of famous
celebrities of the time to commit internet crimes. Over time, more technical and sophisticated
plans were developed such as creating card-generator applications with real credit card
numbers, setting up dummy merchant websites and mass identity theft. Today, despite
attempts by various governments to regulate and mitigate online fraud, more sophisticated
online fraud schemes have been established ranging from credit card fraud to phishing,
hacking, and identity theft (Saeger & Probert, 2015).
In the recent past, computer fraud has evolved through a series of advancements outplaying
the traditional security defenses such as the two-factor authentication, antivirus, and SSL
encryption in the process. Zeus and SpyEye are the most common attack tools used by
hackers since they support the gathering of vast volumes of extremely sensitive
authentication data. It has been established that no single application is immune to attacks
and the malicious attackers are focusing more on online banking accounts because they offer
HOW TO AVOID INTERNET SCAMS AT THE WORKPLACE 3
most direct payoff. Online fraud is based on three core technologies: the botnet controllers
capable of handling hundreds of thousands of bots, highly effective data collection, and
sophisticated Trojans that are updateable.
Form grabbing for PCs running IE/Windows has been a simplified approach for fraud. The
technique helps attackers to extract data within browsers. The deployment of form grabbing
on compromised PCs allowed hackers to obtain numerous numbers of online bank account
IDs and passwords. The password-based authentication was termed no longer safe for online
banking prompting the introduction of two-factor authentication (Mellinger, 2011).
Nevertheless, criminals still found the loophole that helps them to challenge the security of
two-factor authentication through web injects. Malicious attackers that promote online fraud
have created various techniques.
Ijcsi 9-4-2-457-462
This document discusses two-factor authentication in the banking sector, specifically evaluating its performance for automated teller machines (ATMs). It provides background on ATMs, including a brief history of their development from the late 1960s onward. It describes how two-factor authentication works for ATM transactions, requiring both the physical ATM card and a personal identification number (PIN). The document examines different factors of authentication and classifications of factors into things the user has, knows, and is (biometrics).
ATM.pdf.pptx
This document discusses automated teller machine (ATM) fraud, including its causes, effects, and controls. It notes that ATM fraud refers to illegal transactions using an ATM, such as fraudulent deposits or skimming card information. Common causes of fraud include customer carelessness with cards and PINs, as well as the use of outdated ATM software by some banks. Effects of fraud include financial costs to individuals, businesses, and governments, as well as legal and psychological costs. The document outlines various types of ATM fraud and recommends controls for customers, such as protecting PINs, and for banks, such as using microchip technology and monitoring ATMs with cameras. In conclusion, the document argues that controlling AT
The Rise and Rise of Web Fraud
Guest talk on Web Fraud to Network Security, Elect Eng Sydney University.
Web1.0 generated revenues from advertising. In Web2.0 new monetization models were sought. Good stuff but eventually all these eCommerce sites wake up to discover that the fraudsters have moved in.
Limited only by their imagination and the monetization model, fraudsters will do things like: login hijacks, false signups, purchases with stolen credit cards, money laundering, nigerian/419 scams etc etc.
This talk talks about a few of these problems, how it gets done and what solution/responses exist.
ATM Security
The document discusses the key components and security features of an ATM system. It describes the parts of an ATM like the card reader, keypad, display screen and cash dispenser. It explains how ATMs connect to a host computer and database to authenticate users and process transactions. The document outlines security measures like physical security of the machine, limits on withdrawal amounts, authentication of users, ensuring data integrity and confidentiality when transmitted over the network. It emphasizes the importance of keeping PINs secure and reporting lost cards. In conclusion, it notes how ATMs have become widely used globally for their convenience of allowing cash access anytime without human assistance.
Smart card emv for dummies
This presentation provides an overview of EMV (Europay, Mastercard, and Visa) chip cards for payment transactions. It defines key terms like smart cards, chip cards, and contactless cards. It explains that EMV uses chip technology and cryptograms to authenticate cards and transactions, improving payment security. It also outlines the different payment methods, verification methods like chip-and-PIN and chip-and-signature, and authentication methods including online PIN and offline cryptogram verification. The presentation aims to help readers better understand the basics of EMV technology.
AN OVERVIEW OF THE BANK FRAUD AND ITS DETECTION TECHNIQUES THROUGH DATA MINING
Using modern methods of the electronic commerce in daily life transactions is increasing because of the
growth and the comfortable access of the people to the internet and social networks. The electronic
payment systems are one of the most important electronic commerce methods and the electronic payment
fraud is a major problem.For example, the credit card fraud loss increases every year and is regarded as
one of the important issues in the credit card institutes and corporations. Therefore, fraud detection is
considered as an important research challenge. Fraud reduction is a complicated process requiring a body
of knowledge in many scientific fields. Based on the kind of the fraud the banks or the credit card institutes
face, different measures may be taken. This paper compares and analyzes the available recent findings on
the credit card fraud detection techniques. The objectives of the present study are first to detect different
credit card and electronic commerce fraud and then to investigate the strategies used for the purpose of
detection.
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AN OVERVIEW OF THE BANK FRAUD AND ITS DETECTION TECHNIQUES THROUGH DATA MINING
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Cyber Crime
- 1. Cybercrime:Debit/Credit Fraud 1 YevgenBershadsky #100629876 Konstantin Semerdji#100611781 April 07,2010
- 2. Table Of Contends Introduction History How it Works How to Protect Your Self Police Prevention Conclusion 2
- 3. Introduction Debit and Credit card fraud has become an international, underground multimillion dollar business and has become the main source of financial income for many organized crime groups around the world. AND ITS COMING TO AN ATM NEAR YOU! 3
- 4. History First bank issued credit card (1946)(1) First debit cards started appearing around 1980’s in America (2) Fraud Has been an issue ever since criminals realized it is easier and safer to counterfeit information then to rob people. 4
- 5. How it Works: Credit Card Fraud Credit card fraud is fairly simple Hackers gain information Simple reading devices at gas stations, restaurants can be used. Later copied on to blank cards and used Blank cards can easily be modified, skimmers can easily change the name, number, picture to any they choose, using special printers Online purchases are also very common 5
- 6. How it works: Credit Card Fraud Credit Card numbers are gained by spam, computer hacking. Or using mini readers to steal information. (3)(4) 6
- 7. How it works: Debit Card Fraud Trickier then Credit Card Fraud because the pin code is required Debit Cards are more preferred because it is very easy to take out cash from accounts Also very easy to make purchases because of low suspicion Devices have to manufactured. Card over lays are usually created using CNC machines, and Pin Hole cameras are custom made to match the bank machine 7
- 8. How it Works: Debit Fraud The top Picture shows a card slot over lay, which is used to record card information Bottom picture shows a person installing a pinhole camera used to capture the pin number (5) 8
- 9. How it Works: Debit Fraud Pin pad (6) 9
- 10. How it Works: Point of Sale Debit/Credit Fraud Reading Devices installed in to terminals Very hard to spot Hard to Triangulate location of breach 10
- 11. Police Prevention Bank Hired Investigators Banks put in new bank machines Card Chips (already obsolete) Triangulation of point of breach Increased bank security (8)(9)(10) 11
- 12. How it Works: Debit/Credit FraudAccessibility Surprising Fact All of these devices can be very easily purchased of the internet on websites such as http://www.softkeysolution.com/index.html Any training and information needed can be very easily discussed and taught on underground forums such as cardingworld.cc 12
- 13. How it works Video Demonstration YouTube Video http://www.youtube.com/watch?v=_m4jYdu-IJo&feature=PlayList&p=C5A665D5D09BB43F&playnext_from=PL&playnext 13
- 14. How To Protect Your Self Always cover your pin Be careful who you give your card to Be aware of people around you while at ATM Be picky about the sites you use Check your accounts often (7) 14
- 15. Conclusion Debit Card and Credit Card Fraud is easily accessible to anyone Very profitable Popular with the new generation of organized crime Very low punishment 15
- 16. Reference http://inventors.about.com/od/cstartinventions/a/credit_cards.htm (1) http://www.economywatch.com/debit-card/history.html (2) http://www.syns0r.com/site/Cameras_and_Camcorders/Memory_Cards/Sima_Card_Reader/magnetic_stripe_readers.html (3) http://chattahbox.com/images/2009/08/hacker.jpg (4) http://www.theukcardsassociation.org.uk/files/ukca/media/pinhole_camera.jpg (5) http://interiorsavingsnewsletter.com/sept2008/images/ProtectYourPin.jpg (7) Cardingworld.cc http://madukes.files.wordpress.com/2009/03/2005-techart-911-carrera-police-car-porsche-sa-1280x960.jpg (10) http://www.fahad.com/pics/incard_otp_credit_card.jpg (9) http://comsecllc.files.wordpress.com/2009/11/iphone_gps_using_cell_tower_triangulation.jpg (8) 16