{"id":2393,"date":"2023-05-03T21:25:29","date_gmt":"2023-05-03T20:25:29","guid":{"rendered":"http:\/\/forecourt.ie\/?p=2393"},"modified":"2023-05-03T21:27:01","modified_gmt":"2023-05-03T20:27:01","slug":"retailers-and-card-skimming-copied-from-apea-bulletin-magazine","status":"publish","type":"post","link":"http:\/\/forecourt.ie\/?p=2393","title":{"rendered":"Retailers and Card Skimming (copied from APEA Bulletin Magazine)"},"content":{"rendered":"<p>This article examines both of these insidious criminal activities in<br \/>\nmore detail and provides useful tips on how to avoid becoming the<br \/>\nnext victim.<\/p>\n<p><strong>Card skimming<\/strong><\/p>\n<p>Card skimming is the theft of credit and debit card data and<br \/>\npersonal identification numbers (PIN) when the user is at an<br \/>\nautomated teller machine (ATM) or point of sale (POS).<br \/>\nCard skimming allows thieves to steal money from accounts, make<br \/>\npurchases and sell card information to unscrupulous third parties.<\/p>\n<p>Generally, the scam involves modified payment card reader<br \/>\nhardware that fits over an existing genuine payment device or<br \/>\nATM. The bogus reader collects and passes on payment card<br \/>\ninformation to the thief. Moreover, PINs may be captured using a<br \/>\nhidden camera that records the user punching in their number, or<br \/>\nthrough a keypad overlay that stores the keystrokes.<\/p>\n<p><strong>Prevention is the best policy<\/strong><\/p>\n<p>To safeguard payment devices against fraudsters, it is important to<br \/>\ncheck the equipment regularly to look for skimming devices,<br \/>\nespecially if the site isn\u2019t protected by an effective deterrent, such<br \/>\nas surveillance cameras.<\/p>\n<p>To provide a visual comparison for future checks, it is a good idea<br \/>\nto take a photo of the terminal on installation or once satisfied that<br \/>\nit is free from skimming devices.<\/p>\n<p>Skimming devices can be quite difficult to spot, as they have been<br \/>\npurposely designed to resemble regular card readers and may even<br \/>\nbe fitted over the whole device.<\/p>\n<p><strong>What to look for:<\/strong><\/p>\n<p>\u2022 Is the card reader in alignment with the panel underneath it?<br \/>\n\u2022 Is the card reader firm or does it feel slightly loose?<br \/>\n\u2022 Look inside the card reader for a thin plastic circuit board.<br \/>\n\u2022 Is any part of it crooked or damaged?<br \/>\n\u2022 Are the graphics aligned and does the colour look correct?<br \/>\n\u2022 Are there any cables that look out of place?<br \/>\n\u2022 Is there any damage to the touchscreen?<br \/>\n\u2022 Are there any new scratches that haven\u2019t been noticed before?<br \/>\n\u2022 In some instances mini cameras are installed to collect PIN data<br \/>\n&#8211; so check for any unusual additions around the facia directly in<br \/>\nline with the pin pad.<br \/>\nCarrying out these simple checks on a regular basis can help to prevent<br \/>\ncard fraud \u2013 don\u2019t be a victim!<\/p>\n<p><strong>Drive-offs<\/strong><\/p>\n<p>Drive-off incidents (often referred to as bilkings) are the biggest<br \/>\nscourge facing the fuel retailing industry and they continue to rise<br \/>\nat an exponential rate. Whilst some larger fuel networks accept<br \/>\nthe high probability of incurring drive-off costs, for the thousands<br \/>\nof independent forecourts who already make a low margin on<br \/>\nselling fuel it\u2019s a much bigger challenge, possibly threatening the<br \/>\nviability of some of the smaller operations.<br \/>\nIt is always worth reviewing and, if necessary, tightening pump<br \/>\nauthorisation procedures, but briefing the staff on what to look for<br \/>\nmight be more beneficial.<\/p>\n<p><strong>Typical warning signals of a drive-off:<\/strong><\/p>\n<p>\u2022 The driver is still at the wheel and the passenger is filling up;<br \/>\n\u2022 Open doors or open boot to hide number plate;<br \/>\n\u2022 Number plates obscured or appear altered;<br \/>\n\u2022 Lights of the vehicle still switched on;<br \/>\n\u2022 Engine still running;<br \/>\n\u2022 Vehicle parked facing away from the kiosk towards an exit;<br \/>\n\u2022 Customer trying to hide behind their own or another vehicle<br \/>\nwhen filling up;<br \/>\n\u2022 Motorcyclists wearing a helmet during refuelling.<\/p>\n<p>Tokheim EYETM Security Solution<\/p>\n<p>These are all valuable clues for retailers to consider, but what can<br \/>\nbe done to deter fuel thieves from targeting sites in the first place?<br \/>\nClosed-circuit television (CCTV) cameras are fast becoming today\u2019s<br \/>\nmost cost-effective and reliable answer to crime prevention. One<br \/>\nsuch option is the Tokheim EYETM Security Solution from TSG UK.<br \/>\nThis award-winning closed-circuit television (CCTV) solution was<br \/>\ndesigned specifically for forecourts and has proved to be an<br \/>\nexcellent deterrent to criminals.<br \/>\nTokheim EYE is an advanced high-definition (HD) camera<br \/>\nsurveillance system, activated by the slightest of movements on<br \/>\nthe forecourt, that is able to capture and store images of a<br \/>\nsuspected crime. The footage can be easily retrieved and viewed<br \/>\nby site owners and authorised personnel, retrospectively or live,<br \/>\non any smart device.<\/p>\n<p>The cameras are interfaced with automatic number plate<br \/>\nrecognition (ANPR) software and point-of sale-equipment both at<br \/>\nthe pumps and within the kiosk. This provides a range of valuable<br \/>\ninformation linked to the camera recordings. Real-time and post-<br \/>\nevent data includes details such as the pump number, receipt, staff<br \/>\nmember involved, time\/date and other useful transaction inputs.<br \/>\nAdditionally, operators can make use of the extensive filtering<br \/>\nfeature, allowing them to refine incidents by type, such as tanker<br \/>\ndelivery or unauthorised access to dispenser cabinets. With an<br \/>\neffective pinch zoom feature, users are also able to quickly isolate<br \/>\nand focus on specific elements of the captured frame without<br \/>\nlosing image quality.<\/p>\n<p>Of course, a surefire way of preventing drive-offs is to retrofit all<br \/>\nof the petrol pumps with pre-pay devices, a method which has<br \/>\nalready been widely adopted in many European countries.<br \/>\nHowever, apart from the immediate financial impact to upgrade<br \/>\nthe pumps, many retailers are reluctant to implement pre-payment<br \/>\nfor fear of lost sales of high-profit-margin drinks and snacks from<br \/>\ntheir convenience stores, which is a core part of their business.<br \/>\nTo conclude, whilst there is no magic formula to completely<br \/>\neradicate forecourt crime, these small but important steps can help<br \/>\nalleviate the problem, safeguarding fuel retailers and their<br \/>\ncustomers.<\/p>\n<p>For more information on TSG UK, its products, services and<br \/>\nsolutions visit: https:\/\/www.tsg-solutions.com\/uk\/<\/p>\n","protected":false},"excerpt":{"rendered":"<p>This article examines both of these insidious criminal activities in more detail and provides useful tips on how to avoid becoming the next victim. Card skimming Card skimming is the theft of credit and debit card data and personal identification numbers (PIN) when the user is at an automated teller machine (ATM) or point of [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[19],"tags":[],"class_list":["post-2393","post","type-post","status-publish","format-standard","hentry","category-industry-news"],"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false},"uagb_author_info":{"display_name":"Oliver Lupton","author_link":"http:\/\/forecourt.ie\/?author=2"},"uagb_comment_info":8,"uagb_excerpt":"This article examines both of these insidious criminal activities in more detail and provides useful tips on how to avoid becoming the next victim. Card skimming Card skimming is the theft of credit and debit card data and personal identification numbers (PIN) when the user is at an automated teller machine (ATM) or point of&hellip;","_links":{"self":[{"href":"http:\/\/forecourt.ie\/index.php?rest_route=\/wp\/v2\/posts\/2393","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/forecourt.ie\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/forecourt.ie\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/forecourt.ie\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"http:\/\/forecourt.ie\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2393"}],"version-history":[{"count":3,"href":"http:\/\/forecourt.ie\/index.php?rest_route=\/wp\/v2\/posts\/2393\/revisions"}],"predecessor-version":[{"id":2396,"href":"http:\/\/forecourt.ie\/index.php?rest_route=\/wp\/v2\/posts\/2393\/revisions\/2396"}],"wp:attachment":[{"href":"http:\/\/forecourt.ie\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2393"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/forecourt.ie\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2393"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/forecourt.ie\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2393"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}