EMV Skimming Device – The New Generation Skimming Device

In the world of financial fraud and identity theft, criminals are constantly evolving their tactics to exploit vulnerabilities in payment systems. One such advancement is the emergence of EMV skimming devices, also known as the new generation of skimming devices. This article explores the workings of EMV skimming device, their impact on consumers and businesses, and measures to mitigate the risk of falling victim to this type of fraud.

Understanding EMV Skimming Devices

EMV skimming devices are high tech tools hackers use to steal sensitive payment card information from individuals using EMV (Europay, Mastercard, and Visa) chip-enabled cards. Unlike traditional skimming devices, which targets magnetic stripe cards, EMV skimmers exploit the contactless or chip-and-PIN technology found in EMV cards.

These devices are designed to look like legitimate card readers or payment terminals and are often installed on ATMs, point-of-sale (POS) systems, or other payment devices. When a card is inserted or tapped on the compromised device, the skimming device captures the cardholder’s information, including the card number, expiry date, and even the PIN.

EMV skimming device

Working Mechanism of EMV Skimming Devices

EMV skimming devices employ various methods to steal card data and enable criminals to conduct fraudulent transactions. Some common techniques used by these devices include:

Card Data Interception: The skimming device intercepts and records the data transmitted between the card and the payment terminal during a legitimate transaction.
Wireless Communication: Some advanced EMV skimmers comes with wireless capabilities, allowing criminals to collect stolen card data remotely using Bluetooth or other wireless technologies.
PIN Capture: EMV skimming devices may also come with hidden cameras or overlays that capture the cardholder’s PIN as they enter it on the compromised device.

Overview of a transaction

The transaction starts after the user of the POS has enter the amount and gives the POS to the cardholder that insert his card into it. The sequence goes as follow:

Power up

The POS will power the chip card (Important because we will use this power for our device, no battery needed)

Answer To Reset – ATR

The Card responds with ATR which is a number telling the POS what kind of card has been inserted

AID

As you may know, each POS supports predefined cards that some of you refer as BIN. In MSR transactions the BIN was used to know where to forward the t. If you look on an EMV receipt you will see which AID on the card was used to process the transaction something like “A0000000041010” which is the Mastercard AID. So POS looks at the AID available on the cards and selects the one that is compatible.

Application Records

The POS will then read records of data associated with the AID selected, the data contained in these records contain (but not limited to) the Cardholder verification methods (CVM or EMV tag 8E). This tells the POS what method of cardholder verification to use.

Some other data read is the Track 2 equivalent data (EMV Tag 57) this represents half of what we are extracting.

Pin Validation

I am skipping some steps in the transaction that are irrelevant to explaining the device.
On most POS devices the PIN is Verified by the card itself, on ATM and unattended devices (kiosks, gas pumps) the PIN is Verified online.

IMPORTANT the device only works on standard POS.
So at this point, the POS will issue a Verify command to the card with the PIN, (the second and last part of the information that we extract), the card will respond and continue the transaction if the PIN is valid.

The rest of the transaction is irrelevant to us, we have all that we need.

How it works

The device is built on a flexible PCB of 100 µm thickness. It is put in the first time in the POS with your card on a regular transaction. When you remove your card the PCB will stay in place because of an adhesive. So from now on whenever you insert a card in the POS our circuit is between the card and the reader. This means that all communication between the POS and card is going thru it.
We just listen on the communication for the TAG 57 (track 2) and pin validation (PIN) and keep those values. Since we had to keep the circuit VERY small we can only store 75 to 90 combinations of track/PIN. To extract the data, we use Bluetooth with an Android app. You just have to be in Bluetooth range when a card is put in the POS (because of power) to receive all the data and go back whenever you need more.

Conclusion

EMV skimming devices represent a new generation of sophisticated tools used by criminals to steal sensitive payment card information. Their ability to exploit the security vulnerabilities of EMV chip-enabled cards poses significant risks to consumers and businesses alike. By remaining vigilant, implementing security measures, and adhering to data security standards. Individuals and businesses can mitigate the risk of falling victim to this type of fraud. And protect their financial well-being and reputation.

FAQs

What is an EMV skimming device?. An EMV skimming device is a sophisticated tool used by criminals to steal cardholder information from EMV chip-enabled cards during payment transactions.
How do EMV skimming devices work?. EMV skimming devices capture cardholder data by intercepting the communication between the card and the compromised payment terminal. Some devices also capture the cardholder’s PIN using hidden cameras or overlays.
What are the risks of EMV skimming devices?. The risks include financial loss, fraudulent activities, compromised customer trust, and compliance and legal consequences for businesses.
How can individuals protect themselves from EMV skimming devices?. Vigilance, using secure payment terminals, regularly monitoring financial statements, and staying informed about the risks are crucial for individuals.

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