Card cloned and used in Australia

simongregson

The pin is not recorded on the magnetic stripe, it is held by the bank. When you use it in a cash machine with the magnetic stripe, the pin gets checked by the bank, i.e. the pin you enter is sent to the bank, if it is correct and the card is not reported stolen/over limit then the machine is basically told 'yes, dispense the cash', so the correct PIN is not transmitted back.

The pin was probably compromised either in a shop or via a tampered cash machine in the UK.

viking30

Thanks, as i said i was only guessing on how that worked:beer:

dealsearcher

Thanks for that Simon. I am also anoyed with the Abbey because both my and my wife's card were stopped last year in Italy. We had enough funds in our account and the correct pin numbers. It was just that the 'system' thought our attempts to take money from our own account were fraudulent.

It seems that the banks system stops people making genuine attempts but allows fraudulent withdrawals! And the fraudulent withdrawal was on the other side of the world at the same time I had used the genuine card in Britain!

Not much of a security system is it?

M_Thomson

dealsearcher wrote: »

Why the confrontational tone M Thomson?

Don't be so touchy! I wasn't being confrontational. I was saying I would be surprised if a modern country like Australia used Paper records only in banking.

James

Where UK cards are being cloned and PINs acquired at the same time.

Latest reported Scam occured in the Leicestershire village, Houghton-on-the-Hill.

Village hit by card scam.

dealsearcher

M_Thomson wrote: »

When you say they use paper records, what do you mean? You make them sound like they are still in the 1800's! ...

It rather looks like you are the touchy one.

Having just had £300 nicked from my account I am not too amused by someone who flames me. As I said I was merely quoting what the bank told me and I made that clear in my post. Maybe the bank made them sound like they are still in the 1800's. Well maybe in banking terms they still are.

LilyThePink

When we first went to Australia in 98 they already had chip and pin (not everywhere but high street definitely). We were back there last year and they were still using it..? Even in the supermarkets you could make card payments with no sig required.

M_Thomson

LilyThePink wrote: »

When we first went to Australia in 98 they already had chip and pin (not everywhere but high street definitely). We were back there last year and they were still using it..? Even in the supermarkets you could make card payments with no sig required.

Australia doesn't use Chip and Pin. They, like America use Swipe and Pin or signature only.

M_Thomson

dealsearcher wrote: »

It rather looks like you are the touchy one.

Having just had £300 nicked from my account I am not too amused by someone who flames me. As I said I was merely quoting what the bank told me and I made that clear in my post. Maybe the bank made them sound like they are still in the 1800's. Well maybe in banking terms they still are.

I didn't flame you. If you are in a bad mood about something than the written word can be taken in a number of ways. You have chosen to take what I said in a bad way, so sorry about that.

dc

There was a story on radio 5 friday where a whole village in Leicestershire has had their cards and pins cloned and used in Austrailia and Far East. Cloning traced to their use at the local garage and its shop. Owner is baffled, police traced source to his business.
Whoops James already posted info.:o :embarasse

Paper Records refer to the point of sale signed receipts, as were used here till chip and pin.

One cloning to be watched out for happens in this country. Hackers use a hacked version of a retailers card security checking computer programme, that actually creates genuine card numbers with the security number.
They then have only to keep trying card numbers on lax secure websites like charities to find a card number that belongs to a card that has been issued, by it being accepted for a donation. Then off they go on a short lived spending spree, till the card company recognises an unusual spending pattern. Seems like a lot of websites will deliver to any address provided without checking cardholders address. :rolleyes2