Daijiworld Media Network - Mangaluru (SP)
Mangaluru, Feb 10: Of late, skimming operations are conducted by fraudsters in ATMs at different parts of the state including the coast, as per reports coming in. This activity helps the concerned to clone the details of the ATM card and siphon off funds available in the accounts of customers. In view of the dangers posed by this trick, the ATM users need to be very alert.
In the recent past, tricksters used this method at three places in the city and outskirts and succeeded in withdrawing money. Similar incidents were also reported from Udupi district.
In this method, the cheaters fix delicate equipment in ATM machines. Through this equipment, they get details of the cards used in that ATM. They steal information provided therein, create fake cards and withdraw money through the ATMs. This method is known as 'skimming'. When an account holder swipes his card or uses ATM card in the machine, the equipment copies 16 digit number on the card and also the three-digit CVC number on the back. By using this method, huge amounts were withdrawn from the ATMs at Chilimbi, Naguri and Kulai here.
It is learnt that the skimming took place at ATMs where the machines are of old model where skimming equipment can be fitted. The police said that these ATMs did not have security staff. NCR ATMs where cards can be swiped are treated as unsafe. Machines which cannot be taken back till all transactions are put through are safer, say cyber experts.
Over 22 such complaints were registered in Mangaluru cyber police station between December 10 and January 31. In 48 cases, first information reports were not registered, treating them as non-cognisable offences. People who accessed the details through skimming machines continue to draw money at various places. The bank officials say that if the complaint is registered with the cyber station within three days of losing money, and if the copy of the complaint is given to the bank, the entire amount they have lost would be refunded, and between four to seven days, only Rs 10,000 would be refunded. In case the delay is more, no money would not be refundable, it is learnt.
What customers can do: Closely observe whether any suspicious equipment is fitted. In case of doubt, such ATMs should not be used. Nearest bank branch or policemen should be informed. If there is suspicion that your card has been skimmed, block the ATM card. It is deemed safer to use machines where swiping is not allowed.
What banks can do: Bank should replace the old ATMs with new ones where skimming is not possible. Security staff should be posted at the ATMs round the clock. CCTV cameras should be functional always. Customers should be sensitised about ATM use and safety measures. In case of complaints, there should be immediate response and customers should be facilitated to register police complaints.