Debit fraud investigation.

James

Has anyone got any links to current figures on fraudulent use of cards in the UK as I have a feeling this may be the start of a long fight?


Click on the title Fraud the Facts 2013 on the link below and download it:


http://www.financialfraudaction.org.uk/downloads.asp?genre=media




Hope this helps.

Lets_get_sorted

So how can I find out if the machines used are chip only ?

jonesMUFCforever

Lets_get_sorted wrote: »

So how can I find out if the machines used are chip only ?

You can't - sorry.

meer53

Lets_get_sorted wrote: »

So how can I find out if the machines used are chip only ?

You will only find out if your daughters bank tell you the chip has been read.

If the card and PIN have been used it doesn't really matter.

VictimOfImpersonation

meer53 wrote: »

You will only find out if your daughters bank tell you the chip has been read.

If the card and PIN have been used it doesn't really matter.

What doesn't matter?

I think it all matters given ATMs are constantly being attacked.

grumbler

meer53 wrote: »

You will only find out if your daughters bank tell you the chip has been read.

Most likely they will - even before/without checking.

meer53 wrote: »

You will only find out if your daughters bank tell you the chip has been read.

If the card and PIN have been used it doesn't really matter.

It does matter - if I was wrong above, magnet strips are accepted in some UK ATMs as a fallback, and the transactions in question were not chip&pin (or bank can't prove that they were)

ChumpusRex wrote: »

There was a more recent case in 2008, involving a chip & PIN card and a Mrs Jane Badger.

In this case, there were mysterious withdrawals from ATMs. The bank pressed charges of fraud after their transaction logs showed that the card was a chip & PIN card. Again, bank experts stated in court that the system was secure and Chip & PIN cards could not be cloned and that the transaction logs clearly showed that the original card was used.

However, in a chip & PIN transaction, the card's chip generates a secure, unforgeable digital signature at the time of the transaction, this is transmitted to the bank and is kept as proof that a specific chip was used to initiate a transaction. The defence asked for a copy of the digital signature for the transactions in question but the bank had no records of the signautres. In this case, the person was aquitted, but not without having been suspended from work.

What the technical reason for not having the signatures was never found. However, the defence successfully argued that the banks logs mistakenly recorded a magstripe read as a chip read (a cloned card with a fake chip), which would explain why no chip signatures could be found.

jonesMUFCforever

All the ATM's I use read the magnetic strip - how do I know?

I never unlocked the PIN for the chip as I never use my debit card for physical shopping.

grumbler

jonesMUFCforever wrote: »

All the ATM's I use read the magnetic strip - how do I know?

How do you know? Have you tried blocking the contacts, say, with sellotape?

I never unlocked the PIN for the chip as I never use my debit card for physical shopping.

What does this mean? PIN is for the card, not for the chip. I have never 'unlocked' any PINs for my cards.
Chip is just a secure tool for verifying the PIN if a chip&pin card is used in chip-enabled devices.

jonesMUFCforever

My Lloyds card has one pin number but if I put 3 wrong PIN numbers in a point of sale machine the shopping PIN is locked.
If I then go to an ATM and withdraw cash it will work.
To go shopping with the card again I would need to unlock the PIN.

grumbler

This doesn't make any sense to me as if you put 3 wrong PINs in ATM your card gets locked similarly and can't be used for any PIN transactions.