Gaze Upon Just How Thin ATM Skimmers Are Getting

September 16, 2022 by Donald Papp 63 Comments

ATM skimmers are electronic devices designed to read financial card information, and they are usually paired with a camera to capture a user’s PIN. These devices always have to hide their presence, and their design has been a bit of an arms race. Skimmers designed to be inserted into a card slot like a parasite have been around for several years, but [Brian Krebs] shows pictures of recently captured skimmer hardware only a fraction of a millimeter thick. And that’s including the battery.

As hardware gets smaller, cameras to capture PIN entry are more easily hidden in things like fake panels.

The goal of these skimmers is to read and log a card’s magnetic strip data. All by itself, that data is not enough to do anything dastardly. That’s why the hardware is complemented by a separate device that captures a user’s PIN as they type it in, and this is usually accomplished with a camera. These are also getting smaller and thinner, which makes them easier to conceal. With a copy of the card’s magnetic strip data and the owner’s PIN, criminals have all they need to create a cloned card that can be used to make withdrawals. (They don’t this so themselves, of course. They coerce or dupe third parties into doing it for them.)

Retrieving data from such skimmers has also led to some cleverness on the part of the criminals. Insertable readers designed to establish a connection to the skimmer and download data is how that gets done. By the way, retrieving data from an installed skimmer is also something criminals don’t do themselves, so that data is encrypted. After all, it just wouldn’t do to have an intermediary getting ideas about using that data for their own purposes. Continue reading “Gaze Upon Just How Thin ATM Skimmers Are Getting” →

Hackaday Links: June 27, 2021

June 27, 2021 by Dan Maloney 24 Comments

When asked why he robbed banks, career criminal Willie Sutton is reported to have said, “Because that’s where the money is.” It turns out that a reporter made up the quote, but it’s a truism that offers by extension insight into why ATMs and point-of-sale terminals are such a fat target for criminals today. There’s something far more valuable to be taken from ATMs than cash, though — data, in the form of credit and debit card numbers. And taking a look at some of the hardware used by criminals to get this information reveals some pretty sophisticated engineering. We’d heard of ATM “skimmers” before, but never the related “shimmers” that are now popping up, at least according to this interesting article on Krebs.

While skimmers target the magnetic stripe on the back of a card, simmers are aimed at reading the data from card chips instead. Shimmers are usually built on flex PCBs and are inserted into the card slot, where traces on the device make contact with the chip reader contacts. The article describes a sophisticated version of shimmer that steals power from the ATM itself, rather than requiring a separate battery. The shimmer sits inside the card slot, completely invisible to external inspection (sorry, Tom), and performs what amounts to man-in-the-middle attacks. Card numbers are either stored on the flash and read after the device is retrieved, or are read over a Bluetooth connection; PINs are stolen with the traditional hidden camera method. While we certainly don’t condone criminal behavior, sometimes you just can’t help but admire the ingenuity thieves apply to their craft.

In a bit of foreshadowing into how weird 2020 was going to be, back in January of that year we mentioned reports of swarms of mysterious UAVs moving in formation at night across the midwest United States. We never heard much else about this — attention shifted to other matters shortly thereafter — but now there are reports out of Arizona of a “super-drone” that can outrun law enforcement helicopters. The incidents allegedly occurred early this year, when a Border Patrol helicopter pilot reported almost colliding with a large unmanned aerial system (UAS) over Tucson, and then engaged them in a 70-mile chase at speeds over 100 knots. The chase was joined by a Tucson police helicopter, with the UAS reaching altitudes of 14,000 feet at one point. The pilots didn’t manage to get a good look at it, describing it only as having a single green light on its underside. The range on the drone was notable; the helicopter pilots hoped to exhaust its batteries and force it to land or return to base, but they themselves ran out of fuel long before the drone quit. We have to admit that we find it a little fishy that there’s apparently no photographic evidence to back this up, especially since law enforcement helicopters are fairly bristling with sensors, camera, and spotlights.

When is a backup not a backup? Apparently, when it’s an iCloud backup. At least that’s the experience of one iCloud user, who uses a long Twitter thread to vent about the loss of many years of drawings, sketches, and assorted files. The user, Erin Sparling, admits their situation is an edge case — he had been using an iPad to make sketches for years, backing everything up to an iCloud account. When he erased the iPad to loan it to a family member for use during the pandemic, he thought he’s be able to restore the drawings from his backups, but alas, more than six months had passed before he purchased a new iPad. Apparently iCloud just up and deletes everythign if you haven’t used the account in six months — ouch! We imagine that important little detail was somehere in the EULA fine print, but while that’s not going to help Erin, it may help you.

And less the Apple pitchfork crowd think that this is something only Cupertino could think up, know that some Western Digital external hard drive users are crying into their beer too, after a mass wiping of an unknown number of drives. The problem impacts users of the WD My Book Live storage devices, which as basically network attached storage (NAS) devices with a cloud-based interface. The data on these external drives is stored locally, but the cloud interface lets you configure the device and access the data from anywhere. You and apparently some random “threat actors”, as WD is calling them, who seem to have gotten into some devices and performed a factory reset. While we feel for the affected users, it is worth noting that WD dropped support for these devices in 2015; six years without patching makes a mighty stable codebase for attackers to work on. WD is recommending that users disconnect these devices from the internet ASAP, and while that seems like solid advice, we can think of like half a dozen other things that need to get done to secure the files that have accumulated on these things.

And finally, because we feel like we need a little palate cleanser after all that, we present this 3D-printed goat helmet for your approval. For whatever reason, the wee goat pictured was born with a hole in its skull, and some helpful humans decided to help the critter out with TPU headgear. Yes, the first picture looks like the helmet was poorly Photoshopped onto the goat, but scroll through the pics and you’ll see it’s really there. The goat looks resplendent in its new chapeau, and seems to be getting along fine in life so far. Here’s hoping that the hole in its skull fills in, but if it doesn’t, at least they can quickly print a new one as it grows.

Credit Card Skimmers Evolve – Shimmers Are Here

November 15, 2019 by Lewin Day 91 Comments

Credit cards are loaded with security features, but the game of cat and mouse goes on. Nefarious syndicates continue to develop technology to steal data in new and innovate ways. After SparkFun did a teardown on some illicit hardware, they were visited by local law enforcement, who requested their help once more.

[Nick] from SparkFun refers to the device in question as a “shimmer”. It’s intended to be installed inside the chip reader of a credit card terminal, in between the terminal and the user’s credit card. Fabricated on a flexible film PCB, it’s thin enough to glue inside without being obvious even during maintenance.

The investigation begins with identification of the major components on board, followed by attempts to communicate with the device. Unfortunately, the hardware was largely unresponsive, even when connected to a card reader. In an effort to learn more, a schematic was produced. [Nick]’s analysis raised more questions than answers, and the suspicion is that the hardware may have been damaged at some point. However, the basic capabilities of the device are obvious, given the ability of the hardware to interact with a card via its contacts and offload the data through the onboard nRF24L01 radio module.

Thanks to people like [Nick], and earlier work from SparkFun, we all now have a better understanding of the risks when using payment terminals out in the wild. Unfortunately, unless your local gas station is willing to let you spend 20 minutes disassembling their card reader before paying, there’s not a whole lot the individual can do about it. Stay vigilant, and if you’ve got the skinny on a skimmer, drop us a line.

When A Skimmer Isn’t A Skimmer

January 2, 2018 by Tom Nardi 163 Comments

I have a confession to make: ever since the first time I read about them online, I’ve been desperate to find an ATM skimmer in the wild. It’s the same kind of morbid curiosity that keeps us from turning away from a car accident, you don’t want to be witness to anyone getting hurt, but there’s still that desire to see the potential for danger up close. While admittedly my interest is largely selfish (I already know on which shelf I would display it), there would still be tangible benefits to the community should an ATM skimmer cross my path. Obviously I would remove it from the machine and prevent others from falling prey to it, and the inevitable teardown would make interesting content for the good readers of Hackaday. It’s a win for everyone, surely fate should be on my side in this quest.

So when my fingers brushed against that unmistakable knobby feel of 3D printed plastic as I went to insert my card at a local ATM, my heart skipped a beat. After all these years, my dream had come true. Nobody should ever be so excited about potentially being a victim of fraud, but there I was, grinning like an idiot in the farmer’s market. Like any hunter I quickly snapped a picture of my quarry for posterity, and then attempted to free it from the host machine.

But things did not go as expected. I spend most of my free time writing blog posts for Hackaday, so it’s safe to say that physical strength is not an attribute I possess in great quantity, but even still it seemed odd I couldn’t get the skimmer detached. I yanked it in every direction, tried to spin it, did everything short of kicking it; but absolutely no movement. In fact, I noticed that when pulling on the skimmer the whole face plate of the ATM bulged out a bit. I realized this thing wasn’t just glued onto the machine, it must have actually been installed inside of it.

I was heartbroken to leave my prize behind, but at the very least I would be able to alert the responsible party. The contact info for the ATM’s owner was written on the machine, so I emailed them the picture as well as all the relevant information in hopes that they could come check the machine out before anyone got ripped off.

Continue reading “When A Skimmer Isn’t A Skimmer” →

Spoof A Skimmer For Peace Of Mind

December 1, 2017 by Dan Maloney 14 Comments

It’s a sad commentary on the state of the world when it becomes a good practice to closely inspect the card reader on every ATM and gas pump for the presence of a skimmer. The trouble is, even physically yanking on the reader may not be enough, as more sophisticated skimmers now reside safely inside the device, sipping on the serial comms output of the reader and caching it for later pickup via Bluetooth. Devilishly clever stuff.

Luckily, there’s an app to detect these devices, and the prudent consumer might take solace when a quick scan of the area reveals no skimmers in operation. But is that enough? After all, how do you know the smartphone app is working? This skimmer scammer scanner — or is that a skimmer scanner scammer? — should help you prove you’re being as safe as possible.

The basic problem that [Ben Kolin] is trying to solve here is: how do you prove a negative? In other words, one could easily write an app with a hard-coded “This Area Certified Zebra-Free” message and market it as a “Zebra Detector,” and 99.999% of the time, it’ll give you the right results. [Ben]’s build provides the zebra, as it were, by posing as an active skimmer to convince the scanner app that a malicious Bluetooth site is nearby. It’s a quick and dirty build with a Nano and a Bluetooth module and a half-dozen lines of code. But it does the trick.

Need a primer on the nefarious world of skimming? Here’s an overview of how easy skimming has become, and a teardown of a skimmer captured in the wild.

Seek Out Scammers With Skimmer Scanner

September 25, 2017 by Jenny List 39 Comments

Last week we reported on some work that Sparkfun had done in reverse engineering a type of hardware card skimmer found installed in gasoline pumps incorporating card payment hardware. The device in question was a man-in-the-middle attack, a PIC microcontroller programmed to listen to the serial communications between card reader and pump computer, and then store the result in an EEPROM.

The devices featured a Bluetooth module through which the crooks could harvest the card details remotely, and this in turn provides a handy way to identify them in the wild. If you find a Bluetooth connection at the pump bearing the right identification and with the right password, it can then be fingered as a skimmer by a simple response test. And to make that extra-easy they had written an app, which when we reported on it was available from a GitHub repository.

In a public-spirited move, they are now calling upon the hardware hacker and maker community to come together today, Monday, September 25th, and draw as much attention as possible to these devices in the wild, and with luck to get a few shut down. To that end, they have put a compiled version of the app in the Google Play Store to make it extra-easy to install on your phone, and they are asking for your help. They are asking for people to first read their tutorial linked above, then install the app and take it on the road. Then should any of you find a skimmer, please Tweet about it including your zip code and the #skimmerscanner hashtag. Perhaps someone with a bit of time on their hands might like to take such a feed of skimmer location data and map it.

It would be nice to think that this work might draw attention to the shocking lack of security in gas pumps that facilitates the skimmers, disrupt the finances of a few villains, and even result in some of them getting a free ride in a police car. We can hope, anyway.

Gasoline pump image: Michael Rivera [CC BY-SA 3.0].

Seriously, Is It That Easy To Skim Cards?

September 20, 2017 by Jenny List 107 Comments

We’ve all heard of card skimmers, nefarious devices that steal the identity of credit and debit cards, attached to ATMs and other machines in which unsuspecting consumers use them. Often they have relied on physical extraction of data from the card itself, such as by inserting a magnetic stripe reader in a fake ATM fascia, or by using a hidden camera to catch a picture of both card and user PIN entry.

The folks at Sparkfun write about an approach they received from a law enforcement agency bearing a selection of card skimmer devices that had been installed in gasoline pumps. These didn’t rely on interception of the card itself, instead they sat as a man-in-the-middle attack in the serial line between the card reader unit and the pump electronics. Let that sink in for a minute: a serial line that is readily accessible to anyone with the pump manufacturer’s standard key, carries card data in an unencrypted form. The owner of the skimming device is the criminal, but the company leaving such a wide-open vulnerability should really be joining them in having to answer to authorities.

The Skimmer Scanner app may help keep you safe.

The device itself is quite simple and well-executed, though it appears that attachment of wires and connectors is a job left to the crook. Some boards boast excellent soldering, while others have joints that are, well, simply criminal. On the board is a PIC microcontroller, a serial Flash chip, and a commodity Bluetooth module. This last component provides the means for the miscreant to harvest their ill-gotten gains, and incidentally a handy means by which compromised pumps can be identified. The Sparkfun people have provided an Android app that interrogates any modules it encounters, and warns of any that return the signature of a skimmer.

It is sad to say that some level of crime is an inevitable feature of the human condition, and therefore it should not be an unreasonable expectation that any entity with which we trust our sensitive data such as a credit card number should take reasonable steps to ensure its security. If a bank transported customer cash through the streets as bundles of $10 bills in open handcarts it is likely that they would get into trouble very quickly, so that the pump manufacturers send card information in the clear over such a readily accessible medium should be a scandal of similar magnitude. That financial institutions prefer to cover up the problem and shift the loss onto the gas stations rather than mandate better device security from the pump manufacturers speaks volumes about their misplaced priorities.

If this topic interests you, we’ve shown you a teardown of a more traditional skimmer in the past.

Thanks [CYK] for the tip.