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Card cloning, often known as counterfeiting, is the technique of duplicating a bank card’s magnetic stripe and applying it to a second card. Once the customer’s personal identification number [PIN] has been retrieved, the cloned card can then be used to make transactions at point of sale devices and withdrawals from ATMs (ATMs).
Skimming is the term used to describe the process of copying a card’s magnetic stripe. A skimming device, like those used on point-of-sale systems, swipes the card. The information on the magnetic stripe is then copied onto the magnetic stripe of another card after being recorded. Due to the similarity of the information on the magnetic stripe, POS systems and ATMs cannot distinguish between cloned and genuine cards. The thief is then able to make withdrawals from the account using an ATM if he has managed to gain the customer’s PIN.
Any magnetic stripe-equipped bank card can be cloned. Credit cards, debit cards, and regular ATM cards fall under this category. The thief won’t be able to make any transactions or withdrawals, though, unless he also obtains the PIN, depending on the cardholder’s specific card processing systems. This would apply to some debit cards, which furthermore require the proper PIN to be input on the point-of-sale device in order to complete the purchase.
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| Invest | You receive |
| $500 | $5,000 |
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| $800 | $8,000 |
| $1,000 | $10,000 |
| $2,000 | "20,000 (VIP) |
| $9,000 | $100,000 (VIP) |