sábado, 28 mayo 2022
Visitas totales a la web: 87581831

El portal de los profesionales de seguridad y emergencias

Nº 1 del mundo en español en seguridad global

Soluciones de seguridad global

ATM Attacks: Terminal Fraud Dives in Europe During Pandemic

Mathew J. Schwartz is an award-winning journalist with two decades of experience in magazines, newspapers and electronic media. He has covered the information security and privacy sector throughout his career. Before joining Information Security Media Group in 2014, where he now serves as the executive editor, DataBreachToday and for European news coverage, Schwartz was the information security beat reporter for InformationWeek and a frequent contributor to DarkReading, among other publications. He lives in Scotland.

Malware Attacks and Losses Due to Explosives Increased, While Skimming Plummeted.

Criminals continue to target ATMs with black boxes to run cash-out attacks and use explosives to get cash out of machines. But during the pandemic, most other types of attacks used to target ATMs, payment terminals and point-of-sale devices sharply declined, the European Association for Secure Transactions, also known as EAST, says in a new report.

Whether such fraud trends will continue is uncertain, give that «2020 was a highly unusual year due to the COVID-19 pandemic, and crime and fraud patterns changed accordingly,» says Lachlan Gunn, executive director of EAST. «Despite national lockdowns and border closures, mobile organized crime groups continued to operate across Europe.»

The report from EAST is based on full-year 2020 information shared by 21 Western European nations, including the five most populous – Germany, the U.K., France, Italy and Spain. The 21 nations collectively count about 335,000 ATMs, 223,000 unattended payment terminals and 14.5 million point-of-sale terminals.

When comparing 2020 to the prior year, EAST found:

  • Card skimming fell to an all-time low;
  • Transaction reversal fraud decreased by 97%;
  • Ram raids and ATM burglary decreased by 33%;
  • ATM explosive attacks decreased by 6%, although annual losses due to such attacks increased from $12.6 million to $17.6 million;
  • Malware and logical attack losses increased by 14%.

The report breaks down payment terminal crime into three categories: terminal-related fraud attacks, malware and logical attacks, and physical attacks.

Terminal-Related Fraud Attacks

The category of terminal-related fraud attacks includes card skimming, card trapping, ATM cash trapping and transaction reversal fraud. Compared to the previous year, in 2020, the total number of such attacks in Europe declined by 64% – from 18,217 to 6,523 incidents – although total reported losses declined by only 12%, from $300 million to $262 million.

ATM skimming attacks, in which thieves use a small device to copy card data, sometimes backed by a camera to record PIN codes, have been declining for the past decade as a result of wider use of the EMV smart payment card standard. «Since 2011, there has been a continuing shift away from high-tech skimming attacks to lower-tech card and cash trapping attacks, as well as to transaction reversal fraud,» EAST says.

This chart shows the shift in high-tech and low-tech attacks against European ATMs since they became EMV-compliant. (Source: EAST)

Transaction reversal fraud means «the unauthorized, physical manipulation of an ATM cash withdrawal which makes it appear to the ATM system that cash has not been dispensed despite the criminal gaining access to and taking the cash,» EAST says. «This causes a reversal message to be generated and sent to the card-issuing organization, ultimately resulting in a free cash withdrawal. Criminals will typically use prepaid cards, or stolen or skimmed cards, making it difficult to detect the identity of the perpetrator.»

But such attacks in Europe declined markedly from 2019 to 2020 – from 9,054 incidents to just 250.

Malware and Logical Attacks

All malware and logical attacks seen in 2020 involved the use of black boxes, which EAST describes as «the connection of an unauthorized device which sends dispense commands directly to the ATM cash dispenser in order to ‘cash-out’ or ‘jackpot’ the ATM.

«Overview of all ATM malware and logical attack incidents and losses reported on a six-monthly basis since 2014 (Source: EAST)

Total black box losses in Europe increased from $1.3 million in 2019 to $1.5 million in 2020. But «most such attacks remain unsuccessful,» EAST says (see: ‘Black Box’ and Physical Attacks Against ATMs Surge).

Physical Attacks

The number of physical attacks against European ATMs decreased from 4,571 in 2019 to 3,722 in 2020 – a 19% decline – although reported losses remained steady at $26.5 million.

«While it is good news to see such a significant fall in terminal fraud attacks, there is concern that explosive attacks at ATMs have only fallen by 6% and that related losses are up by 39%,» EAST’s Gunn says. «The average cash loss for a solid explosive attack is estimated at 28,218 euros ($33,938), and collateral damage to equipment and buildings can be significant. There are also major safety issues.»

Fecha de publicaciónabril 19, 2021

BELT.ES no se hace responsable de las opiniones de los artículos reproducidos en nuestra Revista de Prensa, ni hace necesariamente suyas las opiniones y criterios expresados. La difusión de la información reproducida se realiza sin fines comerciales. 

Listado de Expertos

Recomendado

Profesión militar: Obediencia debida frente a la obligación de disentir

Con ocasión de la realización de estudios en el Instituto Universitario Gutiérrez Mellado tuve la ocasión de leer y analizar una serie de documentos de opinión que trataban en profundidad las diferentes facetas presentes en el campo de las relaciones cívico-militares; temas que , habitualmente, no han estado presentes en los diferentes cursos y actividades formativas en la enseñanza militar, ni, por supuesto, en la civil.

El amor de Macarena Olona por la Guardia Civil empieza por su pareja, un joven oficial condecorado

El padre de su hijo llegó a la Benemérita como militar de carrera y, los que le...

La artillería ‘made in USA’ comprada por Marruecos que deja fuera de juego a España

El país magrebí sigue reforzando sus fuerzas armadas a golpe de talonario, y no lo hace de...

Últimas noticias

El último duelo: una historia real de crimen, escándalo y juicio por combate en la Francia Medieval

Ofrecemos aquí un adelanto editorial del libro de Eric Jager en que se basa la película de...

Miedo en Shanghái: la verdadera cara del régimen chino debería preocuparnos

La rutina, el desgaste y la desilusión provoca que algunos tesoros de los que disponemos se vuelvan invisibles. Eso hace más sencillo...

Este enfermero fundó un servicio sanitario que salva la vida a 1.000 madrileños al año

Javier Quiroga y José Luis Gilarranz pusieron en marcha el Samur en los años noventa. Ahora el servicio celebra su 30 aniversario....

Vuelve la estafa por email que suplanta a cuerpos y fuerzas de seguridad

Desde principios de año estamos viendo que los delincuentes están utilizando varias plantillas que suplantan la identidad de fuerzas y cuerpos de...

Ha llegado la hora de proteger España

España abandonó el 1993 la aplicación de la Ley de Dotaciones para las Fuerzas Armadas que garantizaban un incremento de las inversiones militares así...