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Dear Reader;

This month we will discuss ID Theft. It is a constant and growing problem. Using credit cards locally or on the Internet, be aware of the situation.  Click Here.

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Gregory Walther
Press-F1 Computer Service

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Feature Article

ID Theft


Every time I use my credit card online I suffer a momentary feeling of anxiety, even though I know that it's still safer than handing my card over to a waiter. The impersonal nature of the Internet and the perception that I lose control of my data after I hit "submit" contributes to this lack of sense of security.

Also contributing to this paranoid feeling are all the reports of phishing scams, including IRS and tax-related scams; data breaches at retailers like TJX, where more than 45 million accounts were exposed.

This all got me to wondering exactly how the data gets from my credit card or keyboard ends up as money in the pockets of criminals.

How does the data get stolen from my computer?
There are many ways sensitive data can be pried out of computer users. In a typical social-engineering phishing attack, a consumer opens an e-mail that looks like it was sent by the consumer's bank, Amazon, PayPal, or some other trusted source. With a bogus excuse, such as suggesting there was a security incident and the user needs to verify his or her account details, the e-mail will prompt the recipient to provide username and password via a link to a Web site that looks legitimate but isn't. The consumer enters the information and continues on, not knowing that the data is now being sent to criminals.

In other cases, criminals create fake e-commerce Web sites where consumers provide their credit card information to pay for a product that will never arrive. Attackers also have ways of rendering legitimate Web sites risky by injecting malicious code into the Web sites with cross-site scripting, SQL injection, and click jacking attacks. Such attacks, typically invisible to the consumer, can be used to steal data that a consumer types in.

Other attacks are accomplished by getting spyware onto a victim's computer. For instance, attackers can distribute a worm via an e-mail attachment that downloads a keystroke logger onto the recipient's computer when it is opened. Attackers also can create programs that exploit unpatched holes in Windows or holes in a browser that haven't been fixed and download keyloggers onto computers. The keyloggers can be written to send data to a remote server every time the computer user types a password or social security number, for example.

If I don't use my credit or debit card on the Internet, how does the data get stolen?
Attackers can steal data by planting a skimming device that reads the magnetic-stripe data from the card when a user slides it through a payment card reader at a register or using a skimmer on an ATM machine combined with a video camera that records the PIN when someone is making a transaction. The magnetic-stripe data includes name, credit card number, and expiration date.

Attackers can steal more people's payment card data at a time by hacking into a retail firm or payment processor's computer network. In the TJX incident, experts believe attackers made their way into the company's system by first gaining access through a wireless regional hub for the company's store controllers, which handle the point-of-sale system. Attackers also can grab unencrypted PINs from bank systems during the authorization process using specially crafted malware that scrapes the data from the memory of the bank's computer. Or attackers can trick a misconfigured hardware security module, which decrypts and re-encrypts PINs as they make their way across various bank networks, into revealing the encryption key.

What do the criminals do with the data when they get it?
Cybercriminals tend to have specialties. The data thieves, also called "harvesters," sell it to brokers who either use the data themselves, hire others to do the leg work to withdraw the money, or sell it to others, private peer-to-peer networks, carder sites, and other organized underground marketplaces.

Often, the data is sold with a money-back guarantee in the event that the cards are found to have been reported as stolen or if the data is incorrect. Brokers have a number of ways of verifying cards. They can break into an e-commerce Web site and process small transactions on the card with a payment processor to see if the transactions go through. Or they can use the card data to make a $1 donation to a charity.

Once the data is verified, the criminals can turn it into cash by either moving the money from the victim's account to an account they control, wiring themselves the money, creating counterfeit checks, or even just withdrawing small amounts (under $50) on a regular basis that may not get noticed by the cardholder.

Many of the criminals are located outside of the data's country of origin and will need to be able to either transfer funds or make international purchases without alerting the authorities. To do this, criminals have elaborate schemes using middlemen, also known as "drops." For instance, criminals will advertise work-from-home jobs in the U.S over the Internet and by e-mail. The drop is merely asked to provide a local address or bank account and when money or goods arrive, they are instructed to transfer it on to a foreign address. The criminal then takes over the bank or credit card account for which data was stolen, and changes the address or bank account to that of the middleman.

The criminals also can make blank plastic cards that are encoded with the stolen magnetic-stripe data. Often, cards are produced in one country and shipped back to the country where the account is located. The cards then can be used by "runners" to make withdrawals from ATM machines if the PIN codes are known.

Criminals have been known to use private databases to get more complete information on victims, such as address, date of birth, and even social security number. For instance, the U.S. Postal Service says someone accessed LexisNexis and Investigative Professionals databases without authorization and used personally identifiable information from there to obtain fraudulent credit cards.



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I hope you will use this information to protect yourself.  If you have any questions or need further information.  Call Today.



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