Chip & Pin security (??)

bxcfilm

"as he agrees the chip cannot be replicated.  "

I'm not sure who you're talking about here, but the more important point is that to work this scam you don't have to produce a duplicate card, you just have to capture the necessary information. Remember that I have first hand experience to demonstrate that. At the time when the fraudulent amounts were charged to my account, I was either in a taxi back to our apartment (paid for in cash, BTW), or resting in the apartment. I had my card with me all the time.

There's nothing sensationalist about that.

DullGreyGuy

bxcfilm said:

"as he agrees the chip cannot be replicated.  "

I'm not sure who you're talking about here, but the more important point is that to work this scam you don't have to produce a duplicate card, you just have to capture the necessary information. Remember that I have first hand experience to demonstrate that. At the time when the fraudulent amounts were charged to my account, I was either in a taxi back to our apartment (paid for in cash, BTW), or resting in the apartment. I had my card with me all the time.

There's nothing sensationalist about that.

The expert in the Daily Hate's spin off website. 

No, the point is that for what you claim has happened... multiple chip and pin transactions with different merchants going through that you didnt authorise and didnt lose your card, the expert in the Daily Hate says it cannot happen. They can get your card details from a compromised chip and pin, or card skimming or a range of other ways but they cannot replicate a chip to be able to do a chip and pin transaction nor a chip and signature which he says can be falsely reported as chip and pin. 

So yes, there is insecurities, in the same way skimming or even just looking over your shoulder and reading the card details but these do not explain your transactions. The only way that he proposes your transactions happen are sex workers distracting you, using your card whilst you're looking at their colleague, and then returning your card to your wallet. 

Nasqueron

Weirdly there is a post on Reddit which is similar to this (albeit Vietnam based fraud while poster was in Thailand) 

The bank and FOS both went against the customer 

https://www.reddit.com/r/UKPersonalFinance/comments/1jkyqth/chip_signature_fraud_claim_rejected_help_request/

sausage_time

For all my cards and apps that allow it I have notifications on my phone for all transactions which - I hope - would let be spot and react to any spurious transactions or inflated amounts quickly.

born_again

bxcfilm said:

"as he agrees the chip cannot be replicated.  "

I'm not sure who you're talking about here, but the more important point is that to work this scam you don't have to produce a duplicate card, you just have to capture the necessary information. Remember that I have first hand experience to demonstrate that. At the time when the fraudulent amounts were charged to my account, I was either in a taxi back to our apartment (paid for in cash, BTW), or resting in the apartment. I had my card with me all the time.

There's nothing sensationalist about that.

For chip & pin to be recorded as the transaction method, you need to either use the original card or a card they have created from details taken from the original card.
There is no other way of doing it. As the card reader needs to read a physical card for the system to recognise the C&P as the method used.

bxcfilm

Nasqueron said:

Weirdly there is a post on Reddit which is similar to this (albeit Vietnam based fraud while poster was in Thailand) 

The bank and FOS both went against the customer 

Many thanks for the heads up. By the way, I don't find it weird at all.

Nasqueron

bxcfilm said:

Nasqueron said:

Weirdly there is a post on Reddit which is similar to this (albeit Vietnam based fraud while poster was in Thailand) 

The bank and FOS both went against the customer 

Many thanks for the heads up. By the way, I don't find it weird at all.

Weirdly like it's two people on other sides of the world both the same problem - perhaps you can use coincidence if you prefer. I actually thought that it might be you until I saw the different countries - the advice on there might help

sausage_time

Nasqueron said:

Weirdly there is a post on Reddit which is similar to this (albeit Vietnam based fraud while poster was in Thailand) 

The bank and FOS both went against the customer 

https://www.reddit.com/r/UKPersonalFinance/comments/1jkyqth/chip_signature_fraud_claim_rejected_help_request/

It's worth reading that thread (and possibly tracking it - it's still evolving).  Seems the PIN was not used in that case - so chip and signature. 

DullGreyGuy

born_again said:

bxcfilm said:

"as he agrees the chip cannot be replicated.  "

I'm not sure who you're talking about here, but the more important point is that to work this scam you don't have to produce a duplicate card, you just have to capture the necessary information. Remember that I have first hand experience to demonstrate that. At the time when the fraudulent amounts were charged to my account, I was either in a taxi back to our apartment (paid for in cash, BTW), or resting in the apartment. I had my card with me all the time.

There's nothing sensationalist about that.

For chip & pin to be recorded as the transaction method, you need to either use the original card or a card they have created from details taken from the original card.
There is no other way of doing it. As the card reader needs to read a physical card for the system to recognise the C&P as the method used.

So you think the experts are wrong @born_again and it is possible to replicate a EMV chip with just the basic card details?

It's possible to make a magnetic strip using them but never heard of any way of making a swipe and sign appear as a chip and pin transaction. 

born_again

DullGreyGuy said:

born_again said:

bxcfilm said:

"as he agrees the chip cannot be replicated.  "

I'm not sure who you're talking about here, but the more important point is that to work this scam you don't have to produce a duplicate card, you just have to capture the necessary information. Remember that I have first hand experience to demonstrate that. At the time when the fraudulent amounts were charged to my account, I was either in a taxi back to our apartment (paid for in cash, BTW), or resting in the apartment. I had my card with me all the time.

There's nothing sensationalist about that.

For chip & pin to be recorded as the transaction method, you need to either use the original card or a card they have created from details taken from the original card.
There is no other way of doing it. As the card reader needs to read a physical card for the system to recognise the C&P as the method used.

So you think the experts are wrong @born_again and it is possible to replicate a EMV chip with just the basic card details?

It's possible to make a magnetic strip using them but never heard of any way of making a swipe and sign appear as a chip and pin transaction. 

It is possible to clone a chip. But it is not cost effective to do so. That can not be done via mag stripe. It needs to read the chip.

Not sure where you have got making a swipe & sign appear as c&p though? As only way that can happen is if the card has a chip with the details encoded to it.

Personally I wonder if OP simply does not recognise retailers & that they were processed using the wrong amount & OP did not realise 🤷‍♀️
Would not be the 1st or last time that happens.