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Target Gift Card - April 25, 2023 / 07:31 / CBS News In the 1980s, when personal computers were just starting to appear in homes across the country, Perez was a kid who thought playing with technology was more fun than toys. By age 12, he was building his own computer.

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The chef would bring the ingredients and buy them, and I'd start making them," the Miami native said. "I've always loved computers, I've always been interested in programming, but I never had the time to do it or research it." But Perez, who grew up mostly in a poor area around Spain, said he found little economic opportunity other than the occasional job repairing electronics or phones.

I used to solder mics and attach components to boards," Perez said. And I got to the point where I could start doing these things, but I wasn't making a profit at that point.'' Then, he said, a neighborhood friend introduced him to the idea of ​​making skateboards and putting them in gas stations around the country to make money.

I put it together and two days later I had a skater." Perez said he used Google Streetview to find the easiest gas station to target. "I zoom in and see where, what kind of face, what kind of door, what kind of gas pump model," he said.

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“I can get into a gas station with a universal key and open it. And I'm going to take the reader out and then put in the modified reader." Perez said each of his skaters can collect between 750 and 1,000 card numbers to keep.

Then he connected the pump and sent the message via bluetooth. In three days he can steal up to $30,000. According to the Federal Bureau of Investigation, skimming costs financial institutions and American consumers more than $1 billion annually. Data analytics firm FICO monitors more than 2 billion financial transactions each month, looking for unusual payment behavior, such as skimming.

According to the collected data, the number of damaged cards increased by 368% last year compared to the previous year. "I think we're going to see some chewing activity from the flu," TJ said. Horan, vice president of product management at FICO. "During the outbreak, there's been a lot less retail business. A lot of us are staying at home and not doing normal things. So we've suddenly seen a lot of growth. Another thing is that there are fraudsters. They're always looking for weak links and opportunities." That's been a challenge. Security and

Even with new advances in technology, experts say fraudsters have done a good job of staying one step ahead of law enforcement and banks. "Enforcement agencies are looking for ways to keep up." At the massive lab, technicians work on investigations that affect America's economic infrastructure, from counterfeit money to mail fraud to any type of mortgage or loan fraud. In addition, they also investigate credit card fraud and access device fraud such as skimming.

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checked. “This lab is especially useful for municipalities, state and local agencies here because the lab accepts all kinds of electronic devices that are seized or need to be investigated by a federal, state or local authority. Each year, 50 full-time and 75 part-time computer forensics technicians conduct about 5,000 investigations and process more than a petabyte of data, Eagle said.

But even with these resources and computing power, phishing scammers are constantly developing new methods. Defeat the latest security measures. In the 25 years it's been in use, the devices have evolved from hand-held card readers by restaurant servers in the late 1990s to ATM overlays and service pads that slide over card readers, Leopard said.

In recent years, they've started to find little hidden cameras in card readers. So they use one of those overlapping sliders and then insert a camera to get the pin. "It's just evolved in the way criminals gather information," he said. They've even moved into so-called deep plug-in jumpers, devices so thin they can slip into readers undetected - and even remove them is a challenge.

Professional technicians and law enforcement are more difficult. to continue "Law enforcement and its partners close some of the vulnerabilities we're seeing at ATMs or points of sale and merchants," Leopard said. A few months of silence. Then cybercriminals find their way. Then another drop will come until we stop it.

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So finding ways to prevent this situation is a game of cat and mouse. Songhee Lee, a student at Boston College, said she works to: "account for the thousands of Americans who rely on the federal Supplemental Nutrition Assistance Program, or SNAP." 30 hours a week, goes to school full time and works hard to make ends meet... Every month she goes to the grocery store to stock up on food, but on a recent trip, a day after reloading her electronic benefits (EBT) card, she found that her account balance was almost completely gone, only

40 cents left. All my money was used a few days ago, right after the money came in,” Lee said. Lee discovered that someone had used his card number to make purchases at a Sam's Club store in Illinois, a thousand miles away. "He always had a card and I never posted my information," he said.

The USDA, which oversees the federal SNAP program, told CBS News in an email that before this year, states had no federal requirement to track reports of benefit theft through card theft, card cloning or other similar fraudulent means. We contacted all 50 states that administer the SNAP program, and few could tell us how much money was stolen — but it's clear it's in the millions.

In Massachusetts, $2.9 million was stolen between June 2022 and March 2023, which was more affected. 6700 households. In New York, between January 2022 and March 2023, $7 million in thefts and more than 10,000 jumps were reported. Between July 2021 and November 2022, $7 million was stolen in California.

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