Having all your money drained from your bank account from using a Bodega ATM = DUD [NYC]

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Oh OK and Microsoft and Sun use smartcards for authentication now.
Seriously though I doubt we'll ever see banks fully invest in smartcard infrastructure for ATMs. Fraud prevention typically has the highest ROI for the banking business, so they'd do it if they thought it would make a sense.

― TOMBOT, Friday, 7 October 2005 13:29 (7 years ago) Permalink

is your wallet made out of a magnet, tombot?

― RJG (RJG), Friday, 7 October 2005 13:32 (7 years ago) Permalink

Having done consulting for banks, I can tell you that everyone who works for a bank is an asshole. They also give you really opened ended specs for stuff and then insist on idiotic cycles of piecemeal revisions.

― Jonothong Williamsmang (ex machina), Friday, 7 October 2005 13:33 (7 years ago) Permalink

Most ATM fraud and skimming* comes internally from the bank's own ATM departments. Nothing a smart card can do about that. There's little reason for banks to invest in smart card systems here because there is so little actual examples of failure of the card in this manner as described on this thread. All debit/credit card fraud comes internally from the company or from outright identity theft or people physically stealing the card. I mean that's the bottom line. Jon your idea is fantastic and great and smart, but no bank in America is going to shell out that kind of money to prevent .005% of fraud.

* Meaning of the mystery dollar disappearance variety, not the "fucker stole my credit card" variety.

― Allyzay knows a little German (allyzay), Friday, 7 October 2005 13:33 (7 years ago) Permalink

is your wallet made out of a magnet, tombot?

No, it just resembles George's wallet on Seinfeld, so everything in it breaks or falls out unnoticed!

― Allyzay knows a little German (allyzay), Friday, 7 October 2005 13:34 (7 years ago) Permalink

Ally, do you have a reference for that? It seems to me that most ATM fraud would come from stolen card + pins!

― Jonothong Williamsmang (ex machina), Friday, 7 October 2005 13:35 (7 years ago) Permalink

Oh, my reading comprehension sucks, but I'd still like a reference!

― Jonothong Williamsmang (ex machina), Friday, 7 October 2005 13:35 (7 years ago) Permalink

Errr I have no idea how to go about getting an online reference for that, I'm closely acquainted with C1t1's security/fraud VP. (I'm also related to the person who bilked D1me in NY/NJ/CT out of a huge amount of money during their stint as the VP of ATM operations).

Stolen card is #1 obv, I mean there's barely any such thing as a pure ATM card anymore so you don't even need people's PIN# to steal shit out of their account. Incl money, just go to a grocery, buy a carton of smokes and ask for $100 back.

― Allyzay knows a little German (allyzay), Friday, 7 October 2005 13:56 (7 years ago) Permalink

OMG WTF I JUST REALIZED THAT MY ONE AUNT IS THE VP OF SAVING TEH ATM $$$ AND MY OTHER AUNT IS THE VP OF STEALING TEH ATM $$$ OMG WHY DO THEY NOT NINJA FITE THAT WOULD BE SO COOL?????????????????/

― Allyzay knows a little German (allyzay), Friday, 7 October 2005 13:57 (7 years ago) Permalink

Most/All grocery stores only let you get cashback if you use it as an atm card (with pin) to pay instead of a credit card. My understanding was this was to encourage this as credit cards cost more for a biz to process.

― Jonothong Williamsmang (ex machina), Friday, 7 October 2005 13:57 (7 years ago) Permalink

I've gotten cash back at bodegas using my credit card!!! Maybe they're doing something illegal there, shocker.

― Allyzay knows a little German (allyzay), Friday, 7 October 2005 13:59 (7 years ago) Permalink

whoa, ally, you'd think c!t! would fire your aunt just for guilt by, like, relative association.

― hstencil (hstencil), Friday, 7 October 2005 13:59 (7 years ago) Permalink

banks don't care (much) about preventing atm fraud because it's such small potatoes compared to other types of losses resulting from forged documents or bad loans.

btw, (at least here) a lot of generic atms that will charge you that extra fee that your home bank wouldn't, are actually anonymously owned by the bigger banks - so they're kind of double charging their own customers all sneaky like.

― Kim (Kim), Friday, 7 October 2005 14:26 (7 years ago) Permalink

results are in for chip and PIN - http://www.theregister.co.uk/2005/10/10/chip_and_pin/

― Tracer Hand (tracerhand), Monday, 10 October 2005 19:51 (7 years ago) Permalink

So as long as you report it as a crime, and there are cameras showing you actually took the money out, you will always get the money back here.

I had my bank account fleeced of my entire ~~weekend drinking money~~ life savings (about £200) when I was down in London a few years back. It was proved by science (OK, those wee cameras inside the ATMS) that it wasn't me using the machine after the last transaction I told them I'd made and I still had to pay a £50 excess. Bastarding Clyd3sd4le B4nk.

― ailsa (ailsa), Monday, 10 October 2005 20:13 (7 years ago) Permalink

They make such lovely notes, though.

― Tracer Hand (tracerhand), Monday, 10 October 2005 20:14 (7 years ago) Permalink

I don't care, they fucking nicked fifty of mine for no fault of my own (other than being pissed and careless on Camden Parkway on a Saturday night, which is not a crime in itself).

― ailsa (ailsa), Monday, 10 October 2005 20:21 (7 years ago) Permalink

I don't think most UK banks have that excess deduction, so maybe it's time to switch accounts. I once tried to take £50 out of a Barclays machine at Heathrow airport and no money came out, but it still took the money from my account, and I got all of it back a few weeks later after complaining to the bank.

― Colonel Poo (Colonel Poo), Tuesday, 11 October 2005 08:23 (7 years ago) Permalink

Why, thanks for the advice, but surprisingly enough I switched banks about a week later, then bombarded them with tons of letters of complaint which did absolutely diddly squat for getting my money back, but made me feel better anyway.

― ailsa (ailsa), Tuesday, 11 October 2005 15:50 (7 years ago) Permalink

3 years pass...

sigh

2008-12-10 - ABM Withdrawal $160.00
2008-12-10 - ABM Deposit - $1,000.00
2008-12-10 - ABM Withdrawal $200.00

shitty thing is last few purchases made by me were all christmas gifts for kids! way to kick a girl when she's having a nice week, jerks..

― skeletal lexing (Finefinemusic), Thursday, 11 December 2008 03:46 (4 years ago) Permalink

though right now I am +$640 which is nice, I wish they'd let me keep it for emotional suffering

― skeletal lexing (Finefinemusic), Thursday, 11 December 2008 03:47 (4 years ago) Permalink

ooh, the fakey deposit, that's tricky. sucks :(

― ian, Thursday, 11 December 2008 08:20 (4 years ago) Permalink

3 years pass...

Got a weird look from someone when I pulled on the ATM card slot on a gas pump to see if there was a skimmer in there. Explained what I was doing and got an even weirder look.

Have you seen how optimized these things are? http://krebsonsecurity.com/2012/04/skimtacular-all-in-one-atm-skimmer/

― Vini Reilly Invasion (Elvis Telecom), Wednesday, 9 May 2012 01:35 (1 year ago) Permalink

Friend of mine got done just the other day. Her whole account cleaned out completely. The worst part of it is, the bank will sort you out but they dont do so right away, it can take days or weeks. Too bad if you have rent due!

― Pureed Moods (Trayce), Wednesday, 9 May 2012 02:21 (1 year ago) Permalink

I pull on those ATM slots all the time now since my card was skimmed a few years ago. I'm glad i did because twice so far I've had the skimmers pop right off in my hand.

― heated debate over derpy hooves (jon /via/ chi 2.0), Wednesday, 9 May 2012 02:39 (1 year ago) Permalink

no shit

― goole, Wednesday, 9 May 2012 02:46 (1 year ago) Permalink

what the fuck, more things to worry about

― sleeve, Wednesday, 9 May 2012 03:08 (1 year ago) Permalink

Never occurred to me to pull on the slot, but I do cover my hand and stuff. I also try my best nevr to use EFTPOS in taxis, as there's very little oversight going on with those guys in our city right now, and portable ATMs are even more fuck-withable than bank ones are.

― Pureed Moods (Trayce), Wednesday, 9 May 2012 03:19 (1 year ago) Permalink

Jon: what'd you do when you found the skiummer? take it into the branch? I'd be shittin' myself that they thought I'd been messing with the machine!

― Pureed Moods (Trayce), Wednesday, 9 May 2012 03:20 (1 year ago) Permalink

6 months pass...

just got off the phone with My Bank, cuz this may have happened at a My Bank ATM.

(I almost always use My Bank ATMs on principle, fuck fees, but apparently I need to work with tellers from now on.)

― saltwater incursion (Dr Morbius), Monday, 12 November 2012 23:37 (6 months ago) Permalink

so many delightful new experiences this year

― saltwater incursion (Dr Morbius), Monday, 12 November 2012 23:42 (6 months ago) Permalink

Shit. how much?

― the little prince of inane false binary hype (Alfred, Lord Sotosyn), Monday, 12 November 2012 23:43 (6 months ago) Permalink

thats kinna personal

not quite a third of what I recently inherited? (A month ago there wouldn't have been anything worth hacking)

― saltwater incursion (Dr Morbius), Monday, 12 November 2012 23:46 (6 months ago) Permalink

Well, no, I wasn't looking for figures, just trying to understand how much it would hurt.

― the little prince of inane false binary hype (Alfred, Lord Sotosyn), Monday, 12 November 2012 23:48 (6 months ago) Permalink

I assume I'm getting credited for it, or I'm going Full Falling Down.

― saltwater incursion (Dr Morbius), Tuesday, 13 November 2012 00:06 (6 months ago) Permalink

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