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How crooks use skimmers, shimmers to steal your money at ATM

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How crooks use skimmers, shimmers to steal your money at ATM

Have you ever had your debit card or credit card information stolen from an ATM? If you have, you may have fallen victim to a skimmer. Tiny devices used by fraudsters called “skimmers” can be attached to ATMs and used to steal data off of your debit or credit card magnetic strip.

There’s also an even smaller device called a “shimmer” that can be installed by fraudsters into an ATM that steals data from your credit or debit card chip if you have a newer chip-based card. If you’re worried about falling victim to skimmers and shimmers, your first line of defense is to understand what these things are and how to keep yourself safe.

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Two examples of skimmers (Dubuque Police Department) (Kurt “CyberGuy” Knutsson)

How does a ‘skimmer’ work?

Skimmers are fake card readers that can be installed on top of legitimate card readers and steal data from every person who uses the card reader. These can be found on ATMs, gas pumps and nearly any other card reader device out in the public. Breaking into an ATM is no easy feat, so thieves typically put skimmers on top of the already-existing card reader.

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Even more disturbing, though, is that these thieves will also place a hidden camera somewhere near the keypad of the card reader so that they can capture PINs. Some criminals even place false number pads to capture PIN codes, eliminating the need for a hidden camera.

MORE: TIPS TO FOLLOW FROM ONE INCREDIBLY COSTLY CONVERSATION WITH CYBERCROOKS

Example of hidden camera, skimmer and keypad overlay (FBI) (Kurt “CyberGuy” Knutsson)

How to spot a skimmer

Luckily, there are a few tell-tale signs to see if an ATM you are using has been corrupted by thieves with a skimmer. The first step to spotting a skimmer is to pay close attention to the color of the card slot. Typically, on most ATMs, the card slot and ATM will be the same color. If you notice that there’s a bulky, differently-colored card reader, there’s a pretty good chance it’s a skimmer. Skimmers are also installed over the original card reader, so you might notice some dried glue or adhesive around the card reader. Never use a card reader, whether at a gas pump or an ATM, if you suspect a skimmer device has been installed over the original card reader.

MORE: HOW TO FIGHT BACK AGAINST DEBIT CARD HACKERS WHO ARE AFTER YOUR MONEY

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Beyond skimmers, beware of the rise in shimming

Skimming is less prevalent than it used to be, but you still should always inspect the card reader and keypad of an ATM before using it, in case a crook has installed a skimmer on it. This is especially pertinent if you are traveling abroad, where skimmers are frequently used by thieves in major tourist areas. However, as skimmers have declined, a new way to steal card data has become popular, called “shimming.”

Example of shimmer (Royal Canadian Mounted Police) (Kurt “CyberGuy” Knutsson)

MORE: GOT A CREDIT CARD FRAUD ALERT? HOW CROOKS SWIPE YOUR PAYMENT CARD DETAILS

What are shimmers?

Skimmers typically don’t work on chip-based credit and debit cards, called EMV cards, which offer a more robust set of security features, such as double encryption between the chip and the magnetic stripe on the back of your card. As you might expect, however, thieves adapt quickly and have developed a system called “shimmers,” which can be used to steal the data from your chip-protected card.

Shimmers are paper-thin devices with a microchip installed on them that are inserted by thieves into ATMs. You can’t see a shimmer from the outside like you can a skimmer, and once you insert your card into the affected ATM, the shimmer steals your card data off the chip, the same way a skimmer would steal your data from the magnetic stripe.

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Example of shimmer (Royal Canadian Mounted Police) (Kurt “CyberGuy” Knutsson)

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How to keep yourself safe from shimmers

Shimmers, as we just discussed, are impossible to see from the outside of an ATM or other pay terminal, but there are still a few easy ways you can keep yourself from crooks using shimmers.

Tip #1 – Avoid non-bank ATMs

ATMs that are found in bars, convenience stores and other public places fall victim to card skimmers and shimmers more frequently due to their lack of security features when compared with bank ATMs. Bank ATMs are always the safest to use.

Tip #2 – Utilize contactless payments

An easy way to keep yourself safe when using pay terminals is to use contactless payment systems, such as Apple Pay, Google Pay, Venmo and PayPal, with your phone instead of inserting your card.

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Apple Pay (Apple) (Kurt “CyberGuy” Knutsson)

MORE: BEST IDENTITY THEFT PROTECTION SERVICES 2024

Tip #3 – Activate bank alerts on your cards

You can activate mobile alerts on your cards through your bank’s mobile app, which will alert you to any charges being made. This can help keep you safe by quickly identifying any fraudulent charges that need to be canceled.

Bank alert (Bank of America) (Kurt “CyberGuy” Knutsson)

MORE: HOW TO EASILY ADD YOUR CREDIT CARDS AND LOYALTY PASSES TO YOUR IPHONE

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Kurt’s key takeaways

Even if you do everything right and go over every inch of an ATM, you, unfortunately, can still fall victim to a shimmer. Always remember, if you suspect you’ve been a victim or credit or debit card shimming and skimming, report any fraudulent transactions to your bank immediately. You won’t be held liable, and your money will be returned to your account. Try to avoid using non-bank public ATMs as much as possible, and when possible, opt to use a contactless payment method instead of inserting your card reader into a terminal.

What additional security measures do you think could be implemented to protect consumers from skimmers and shimmers? Let us know by writing us at Cyberguy.com/Contact.

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Technology

Instagram is finally letting everyone reorganize their profile grid

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Instagram is finally letting everyone reorganize their profile grid

Nearly a year after it was announced, Instagram says it’s delivering the ability to rearrange the posts in your profile grid. It had been available to some people in test groups, but as of June 8th, it’s rolling out widely via the Android and iPhone mobile apps.

Until now, the posts on your Instagram profile have been locked in chronological order beyond the ability to pin three posts at the top, but once the feature is live on your account, you can long-press and drag posts freely, no matter how old they are. Any posts that are pinned will remain at the top.

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Robot pets with AI could soon live with you

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Robot pets with AI could soon live with you

NEWYou can now listen to Fox News articles!

A robot that follows you around the house may sound a little strange at first. Yet Colin Angle, the cofounder of iRobot and one of the people behind Roomba, is betting that the next big home robot may feel less like a machine and more like a companion.

His new company, Familiar Machines & Magic, has revealed its first robot concept called a Familiar. It is a pet-inspired, emotionally aware home robot designed to live with you, learn your routines and support healthier habits. “The next era of robotics is not just about dexterity or humanoid form. It is about machines that can build and sustain human connection,” Angle said.

That may sound great to some of you, and others not so much. Whatever your take, it raises some important questions too. Do you really want an AI-powered companion roaming around your home 24/7? Can a robot provide comfort without creating dependency? And will privacy hold up when a device can see, hear and remember what happens around you? Let’s take a closer look.

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AI HUMANOID ROBOT LEARNS TO MIMIC HUMAN EMOTIONS AND BEHAVIOR

Familiar Machines & Magic has revealed Familiar, an AI-powered home robot concept designed to learn routines and respond to human emotions. (Familiar Machines & Magic)

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What is the Familiar AI robot pet?

A Familiar is a physically embodied AI robot built for human interaction. Unlike a chatbot on your phone, this robot has a body. It can move, react and express itself through animal-inspired behaviors.

The first version is a four-legged robot with a soft, touch-sensitive coat. It uses cameras, microphones, speakers and onboard AI to respond to people in real time. The company says it can read facial expressions, tone of voice and body language.

So, if you smile, it may tilt its head. If you seem stressed, it may nuzzle you. If you get excited, it may wiggle its tail. The goal is to build a warm presence that feels natural in your home. Familiar Machines & Magic says the robot is designed to support people through daily life rather than perform one simple task.

Why this AI robot pet feels more like a companion

Most home robots have focused on chores. Roomba vacuumed your floors. Other robots promised security patrols, video calls or entertainment. Familiar is doing something different. It is built to support your daily routines and respond to how you are feeling.

The company describes it as a companion that can encourage better habits. For example, it may notice that you have been doomscrolling and give you a gentle nudge. It could encourage movement, help engage kids in screen-free play or offer a non-judgmental presence when you need to vent. That makes the robot feel more like a pet than a device. Still, the company says it is meant to supplement your life, not replace people or real animals.

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A WHEELED ROBOT MAY BEAT HUMANOIDS INTO YOUR HOME

How the Familiar AI robot learns your routines

The Familiar is designed to build memory over time. The more you interact with it, the more distinct its personality may become. That could mean it learns when your household eats dinner, when you usually relax or when you tend to fall into habits you want to break. Then it can react in small physical ways.

Instead of barking orders, it may use movement, sound and expression. A paw tap could remind you to move. A gentle approach could signal that it wants attention. A scared reaction could warn you if it senses an unsafe situation, such as being placed near heat.

This is where the idea gets interesting. The robot does not need to speak to communicate. In fact, Familiar Machines & Magic says the first Familiar currently does not talk. That restraint may be smart. A robot that acts through gestures may feel less intrusive than one that constantly chats.

The Familiar robot concept uses cameras, microphones, speakers and onboard AI to respond to facial expressions, tone of voice and body language. (Familiar Machines & Magic)

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Why the Roomba creator’s new robot stands out

Colin Angle helped turn consumer robotics into a real business with iRobot. That gives this project extra weight because many social robots have come and gone without lasting success.

Robots such as Jibo, Anki’s Vector and other home companions generated excitement, but many struggled to keep people engaged after the novelty wore off.

Familiar Machines & Magic seems aware of that challenge. The company says the robot must build a long-term connection rather than offer a flashy demo. In other words, cuteness alone will not carry it. A Familiar has to keep earning its place in your home.

HOME ROBOT COOKS, CLEANS AND ORGANIZES YOUR LIFE

How Familiar handles privacy inside your home

A robot that sees and hears what happens inside your home naturally raises privacy questions. Familiar Machines & Magic says its AI runs on the device, so your private data does not need to stream constantly to the cloud.

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The company also says data is stored on the robot, and you decide when it gets shared with the cloud. The robot should still work if you disconnect it from the internet, although you may miss out on new features.

That is the kind of privacy setup you want to see with a home robot. Still, you should read the fine print before bringing one into your house. Look for clear answers on what it records, how long it keeps that data, who can access it and how you can delete it.

Why AI robot pets could appeal to families and older adults

A Familiar could make sense for people who want a little extra support at home without adding another screen to the mix. Parents may use it to help pull kids into screen-free play. Someone living alone could feel a little more company in the house. Older adults may eventually get help with reminders, routines and companionship.

That last part could be where this type of robot really proves itself. It could gently encourage daily habits, check in through movement and sound and stay out of the way when needed. For homes where people want support without feeling watched or managed, that balance could make a real difference.

NEW MOBILE ROBOT HELPS SENIORS WALK SAFELY AND PREVENT FALLS

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Colin Angle, cofounder of iRobot and one of the creators behind Roomba, is betting home robots could become companions rather than chore machines. (Familiar Machines & Magic)

When will the Familiar AI robot be available and what will it cost?

Familiar Machines & Magic has not announced a price or release date yet. The company also says this reveal isn’t a commercial product launch.

So, for now, this is more of a first look at where the company is headed. The real test will come when people can actually bring one home. Can it move safely around a busy house? Will people still use it after the first week? Will the privacy controls be clear enough? And will the price make sense for families?

Those are the questions that will determine whether Familiar becomes something people truly want in their homes, or something that looks great in a demo but never becomes part of our daily lives.

Kurt’s key takeaways

Familiar is one of the more interesting home robot ideas we have seen in years because it moves beyond chores and into emotional support. That is exciting, but it is also a much harder promise to keep. The Roomba connection gives this project credibility, especially since Colin Angle knows how difficult it is to make robots useful in real homes. Still, Familiar Machines & Magic has to prove this robot can stay helpful after the novelty wears off. If the company can balance usefulness, privacy, safety and emotional connection, Familiar could point to a new future for AI at home.

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Would you want an emotionally aware AI robot in your home, or would you rather keep that kind of technology out of your personal space? Let us know by writing to us at CyberGuy.com.

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WWDC protesters want Apple to ban Elon Musk’s apps

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WWDC protesters want Apple to ban Elon Musk’s apps

Apple’s big developer conference is today, and protesters are using the occasion to call on the company to remove “nudify apps” from the App Store and pull “known” child sexual abuse material from iCloud.

Outside the visitors center at Apple’s Cupertino campus, protesters have put up a large sign saying “Apple is powered by child sexual abuse” and asking incoming CEO John Ternus, “What will you do?” The protesters come from UltraViolet, a women’s advocacy group, and Heat Initiative, a group that aims to “hold tech companies accountable for enabling and profiting from child sexual abuse.”

Apple and Google came under significant scrutiny earlier this year for continuing to keep apps like xAI’s Grok on their app stores even though users were able to make nonconsensual sexualized deepfakes. In pamphlets distributed at the protest, the organizations say that “at least 47 nudify apps have been found on Apple’s App Store” and that “Apple has made an estimated $117 million minimum from nudify apps,” including “an estimated $35+ million from Grok alone,” citing data from the Tech Transparency Project. UltraViolet also has a website dedicated to its protest today.

Apple previously scrapped plans to scan photos saved to iCloud for child sexual abuse imagery over privacy concerns.

Apple didn’t immediately reply to a request for comment.

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