Как копируют банковские карты
После вчерашней истории с кражей денег с моей карты Сбербанка путем клонирования карты, я решил вникнуть, как же это происходит. И, честно говоря, был шокирован двумя вещами: что создать копию карты
легко может даже школьник и что США просто райское место для мошенников,
клонирующих банковские карты.То, что вы прочтете в этом посте, многих их вас очень удивит.Вы знаете, что банковские карты — это перезаписываемый носитель малой
ёмкости (около 2 кб)? Фактически, дискета. А скорее, аудиокассета! Если у
вас есть старый кассетный магнитофон, включите его и проведите
магнитной полосой кредитной карты по головке. Вы услышите звук:
магнитофон считал номер счёта, имя владельца карты и дополнительную
служебную информацию. Нет, конечно современные банковские карты немного
сложнее, чем обычная магнитофонная лента, однако принцип действия
идентичен. И как это часто бывает со многими техническими решениями,
устаревшими, но принятыми и используемыми повсеместно ... кредитные
карты фактически не имеют какой-либо серьёзной защиты от копирования! Их можно просто переписать, как в далекие 80-е мы переписывали Metallica или Ласковый Май с кассеты соседа по парте.И именно этим занимаются множество мошенников по всему миру, считывая
информацию с наших карт скиммерами, записывая затем карты-клоны и
продавая их на гигантском черном рынке. К примеру, в Южной Америке на
поток поставлено воровство данных с карт (в Бразилии уже даже не
пытаются бороться с установкой скиммеров на банкоматы), а в США —
легализация карт-клонов.
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