5 ways thieves steal credit card data

The whodunit of stolen credit cards






Suspect: the waitress at the diner

Modus operandi: The waitress whisks away your credit card and swipes it through the restaurant's register. Then, she pulls out a small device, about the size of an ice cube, from her apron and swipes it through that, says Sergeant David Schultz of the Fort Bend County Sheriff's Office in Texas. While you're scraping the last of the chocolate frosting from your plate, your credit card information has been stored in the device, known as a skimmer. The waitress returns your card and performs the same magic trick on dozens of credit cards in a week.

Known whereabouts: The data-stealing waitress has been known to moonlight as a bartender, sales clerk or at any place where she can take your credit card out of sight.

Suspect: the toy store trio

Modus operandi: Sally, Simon and Bud walk into a toy store. Sally and Simon roam the aisles, while Bud waits in line to check out. When Bud is at the register, Simon comes running up to the clerk, screaming that his wife has fainted. As Sally and Simon distract the sales clerk, Bud switches the credit card reader at the register with a modified one of his own, says FICO's Fraud Chief Mike Urban. For the next week, the sales clerk unwittingly collects credit card data on the modified reader until the trio returns, takes back the modified reader and restores the original terminal.

Known whereabouts: The trio will hit other retailers and restaurants, but sometimes the threesome will instead be a duo or a solo criminal.

Suspect: The gas lass

Modus operandi: The Gas Lass parks her car in front of a gasoline station off the turnpike. It's late. There's no one around except a sleepy attendant at the register inside. The Gas Lass attaches a skimmer over the credit card reader at the pump. It's a special skimmer: It emits a Bluetooth signal to a laptop close by, says Noonan. The Gas Lass pays, heads off to the motel next door and sets up her laptop to receive the data from the compromised pump over the next several days.

Known whereabouts: The Gas Lass installs skimmers over ATMs, parking meters, vending machines and any other places with unmanned credit card readers.

Suspects: Harry the Hacker and Phishing Phil

Modus operandi: Harry the Hacker installs malware -- a type of software that damages or infiltrates a computer or network -- onto a legitimate website with low security. The malware instantly downloads onto your computer when you visit the site and allows Harry to access your information. In another scenario, Harry puts malware on public computers and gathers the information you share with that computer, says Urban. Harry also infiltrates the computer system of banks, retailers and other businesses and extracts personal account information, Noonan says.

Phishing Phil uses malware to go after your laptop. He sends emails with attachments that promise dancing kittens or some other bait. When the user opens the attachment, malware instantly downloads onto the computer and leaves confidential information vulnerable. Phil also sends emails from a familiar sender with a link to a contaminated website that installs malware onto your computer. Some malware, called spyware, allows Phil to capture every keystroke including passwords to your financial accounts.

Suspect: the rest of the criminal crew



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