Ti phm la o - Phn IV: Th on trm tin t th ATM

genk.vn September 11th, 2012 view original

Nm 2008, hn 1 t la b cp t th ATM. Tt nhin, mt vi tn cp dng cch truyn thng, ph v lp v my v ly tin i, nhng c nhng cch tinh vi hn, cao cp hn cp tin t th ATM, n c gi l skimming.

ATM skimming l mt phng thc n cp thng tin ti khon ca th giao dch, k xu s dng nhng thit b in t rt tinh vi nh cp thng tin trong th ATM v ghi li m PIN ca bn, c th truy xut vo ton b s tin m bn phi vt v mi kim c. cng l l do m v sao cng ngh ny bao gm hai thnh phn ring bit. Mt thnh phn l skimmer, mt card reader c t ti khe cm th ATM thc ca ngn hng. Khi bn a th vo trong khe, bn v tnh lm th i qua mt u c gi, u c th ny s qut v ghi li ton b thng tin trong di t ca th.

Ngoi ra, c th c ton quyn truy cp vo ti khon ngn hng ca bn, k xu cn phi c m PIN. Chnh v vy chng thng gn mt chic camera gn cy rt ATM, c th ghi li thao tc tay ca bn trn bn phm v t chng s c m pin ca bn. Hy lun ch ti nhng th c gn trn my ATM hoc gn y. Mt l nh hay mt ming bng dnh dn u c th l che giu chic camera ny. Thm ch n cn c th c giu trong hp ng t ri gn .

Mt vi cch thc ATM skimming khc s dng bn phm gi thay cho camera ghi li m PIN. Chic bn phm gi ny c thit k tng t vi bn phm ca my ATM v c lp ln, ph ln trn bn phm ATM. Nu bn rng cc

phm bm ca bn phm ATM nh ra mt cch bt thng, hay mu sc ca chng khng ng nht, rt c th my b lp bn phm gi.

Tht khng may, cn c rt nhiu cch k gian c th ly tin trong ti khon ATM ca bn ngay c khi chng khng s dng skimming. Bn bao gi ngh n chuyn t mua mt chic my ATM trn mng hay cha? Nu bn ngh khng th no c chuyn , c l bn nhm. Bn c th lt qua trang eBay, trn ngi ta rao bn rt nhiu my ATM c m bt c ai cng c th mua li. Nu ngi bn thiu kinh nghim, my ATM c th vn cn lu li danh sch nhng ngi tng s dng my cng vi cc d liu v h. Nhng li bo mt c tm thy trn nhiu mu my ATM c, v nu nh khng c cp nht v v li, k xu hon ton c th truy xut ton b nhng d liu nhy cm ch vi mt khu qun tr mc nh.

Nu nhng hacker v nhng skimmer c thm thng tin c nhn trong th ca bn, h hon ton c kh nng mua bn mi th m khng cn bit m PIN. Rt tin t my ATM th cn m PIN, nhng mua hng trn mng th li khng cn; v mt s trang web cn khng yu cu bn nhp m bo mt. Nhng skimmer khi c m PIN v thng tin th, h c th chuyn ton b thng tin ca bn sang mt th trng v t d dng rt ht ti khon ca bn ti my ATM. ATM skimming l mt vn bo mt ln. Gia thng 4 v thng 5 nm 2009, mt nhm t chc mt cuc skimming ln nhm n bn ngn hng ca M ti Long Island, New York, cp i tng s 217.000 la ca gn 200 ti khon. Ngoi vic phi cn thn hn vi k thut skimming, bn cng yn tm phn no rng nhng ngn hng ln s hon tr tin cho khch hng khi khch hng pht hin ra tin ca h b rt khi ti khon do b nh cp.

ATM skimming qu thc l mt k thut nguy him s dng cng ngh cao, vy chng ta c th lm g chng li n khng? Cc nh pht trin th ATM hin ang s dng RFID chng cng c th b skimming. Nm 2006, mt nhm nghin cu ti Massachusetts xy dng mt thit b n gin gip c d liu trn chic th tn dng s dng RFID. Th RFID Radio Frequency Identification cho php thanh ton theo kiu tap and go v thng tin c truyn i khng dy. iu lo lng y, cng nh cc thit b khng dy khc, tn hiu c th b chn li v b truy cp tri php t ngoi. Theo nhm nghin cu, h c th nh cp tn, s th v ngy ht hn ca th RFID bng thit b gi ch 150$ ca mnh.

V l thuyt, mt skimmer c th to ra nhng thit b tng t v sau , ung dung i gia m ng v ly thng tin ca nhng th tn dng RFID gn . Nhng tin tt l, loi th test ti Massachusetts l mu th c vi bo mt rt thp. Nhng th h th mi hin nay c bo mt tt hn song cng ch an ton khi thc hin nhng giao dch n. Cho n nay, cha c bn bo co no ni v vic th gn RFID b skimming. Nhng vi vic RFID ngy cng c s dng nhiu trn cc loi th tn dng, liu trong tng lai chng vn an ton nh hin nay? Cng ngh hack c th pht trin n u? Khng ai c th bit trc c cu tr li.