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ATM bank cash machines have been incorporated in our way of life. They offer a real convenience to those on the run, but at the same time offer an element of risk. Using a bank ATM machine safely requires awareness and a little planning. Just because a bank ATM machine is open and available 24-hours a day doesn't mean it is always safe to use it.
ATMs keep your personal identification number (PIN) and other information safe by using encryption software such as Triple DES (Data Encryption Standard). But there are lots of things that you can do to protect your information and your money at an ATM.
The more I get to know about ATM hackers, the less I want to use ATMs. Especially stan-alone ATMs.
Do you really want to know why? Just open some of the biggest websites for selling products (from example - eBay) and type in "ATM".
You will be amazed. Availability varies, but often you can find machines for sale that cost just a few hundred bucks.
Bad guys can buy these, get a computer programmer to rewrite the code and set them up just about anywhere to collect people's card information and PINs. Sometimes the machines actually dispense some cash, but often they're set up just to display an error message - after stealing your data.
Crooks can put skimmers over the card readers to suck up your data and record your PIN with miniature cameras. Some bad guys don't bother with the ATMs at all, instead putting the skimmer on the key card lock of the door that leads into an ATM.
But security procedures and video surveillance at banks usually mean these skimmers are detected fairly quickly.
Here are some tips that can make your ATM transaction safer:
- Don't write down your PIN. If you must write it down, do not store it in your wallet or purse.
- Make your PIN a series of letters or numbers that you can easily remember, but that cannot easily be associated with you personally.
- Avoid using birth dates, initials, house numbers or your phone number.
- Store your ATM card in your purse or wallet, in an area where it won't get scratched or bent.
- Get your card out BEFORE you approach the ATM. You'll be more vulnerable to attack if you're standing in front of the ATM, fumbling through your wallet for your card.
- Stand directly in front of the ATM keypad when typing in your PIN. This prevents anyone waiting to use the machine from seeing your personal information.
- After your transaction, take your receipt, card and money away. Do not stand in front of the machine and count your money.
- If you are using a drive-up ATM, get your vehicle as close to the machine as possible to prevent anyone from coming up to your window. Also make sure that your doors are locked before you drive up to the machine.
- Do not leave your car running while using a walk-up ATM. Take your keys with you and lock the doors before your transaction.
- If someone or something makes you uncomfortable, cancel your transaction and leave the machine immediately. Follow up with your bank to make sure the transaction was cancelled and alert the bank to any suspicious people.
- Be suspicious of any stand-alone ATM. Yes, there are plenty of legitimate ones, but it can be tough for a layperson to tell which ones feed information to thieves rather than cash to you. You'll definitely want to avoid any ATM that isn't bolted to the side of a building or secured inside a facility. Real ATMs are heavy and have money safes, so they're not going to be easy to move. Also beware of stand-alone ATMs that advertise "no fees", since legitimate owners of stand-alone ATMs have to charge fees to make money.
- Avoid bank ATMs if the access door is broken. If you normally have to use your ATM card to unlock a door to get to the ATM and the lock is broken or the door is propped open, don't go in. Someone could have forced open the door to install a skimmer.
- Beware of "out of service" signs. If there are two ATMs and one has an "out of service" sign, it could be legit - or it could be trying to get you to use the other ATM, which has been compromised.
- Give the card slot a good yank. Put your hand on the slot where your card goes in and give it a push. A real one won't give way, while a skimmer often does. If the card slot looks strange at all, find another ATM.
- Report "malfunctions" immediately. If you get an error message instead of money, contact your bank right away. You're at much greater risk of fraud.
- Monitor your transaction activity. It doesn't matter how busy you are. You can still take a few minutes every week to log on to your accounts and look over your transactions. You'll want to report bogus transactions right away, since your liability for fraud is waived only if you spot the problems within a couple of months.
Yeah, pretty long list. But following the steps above, can protect yourself from stealing your bank account data or money.
For safety reasons, ATM users should seek out a machine that is located in a well-lighted public place. Federal law requires that only the last four digits of the cardholder's account number be printed on the transaction receipt so that when a receipt is left at the machine location, the account number is secure. However, the entry of your four-digit personal identification number (PIN) on the keypad should still be obscured from observation, which can be done by positioning your hand and body in such a way that the PIN entry cannot be recorded by store cameras or store employees. The cardholder's PIN is not recorded in the journal, but the account number is. If you protect your PIN, you protect your account.
Most bank ATM robberies occur at night between 7pm and midnight when the machine only produces 10% of the daily transactions. Between 7pm and 4am, the ATMs handle only 11% of the total daily transactions but suffer 60% of the crime.
Bank ATM robbers are usually males under 25 years of age and most work alone. ATM robbers usually position themselves nearby (50 feet) waiting for a victim to approach and withdraw cash. Half of the ATM robberies occur after the cash withdrawal. Many ATM robbery victims are women and were alone when robbed. Most claim that they never saw the robber coming. Most ATM robbers used a gun or claimed to have a concealed weapon when confronting the victim and demanding their cash.
Remember - always use safe places when taking cash from ATM. Taking money from bank ATM is the safest.
Avoid stand-alone ATMs. Avoid ATMs showing error messages.
CNN - Moammar Gadhafi's first grab at power occurred 42 years ago in the eastern Libyan city of Benghazi, when he led a crew of fellow military officers in taking over key government institutions on his way to usurping the nation's monarchy.
Ever since, he's referred to himself as the Leader of the Revolution -- though politically, at least, Libya has appeared to be largely stable, with few threats to Gadhafi's power. But that all changed this past week, with reports that tens of thousands took to the streets calling for an end to Gadhafi's rule. And, once again, that change began in Benghazi.
Phone interviews with witnesses and others on the ground suggest that some of Gadhafi's strongest opposition has been in Benghazi, where protests began and have escalated. Since then, there have been indications that the opposition movement has spread westward toward the capital Tripoli.
Why Gadhafi suddenly came under fire after decades of a strong-handed, seemingly stable rule remains a question.
One obvious factor is that Libya borders Tunisia, where popular unrest last month helped unseat authoritarian President Zine El Abidine Ben Ali after more than two decades in power. Weeks later, a similar movement contributed to the end of Egyptian President Hosni Mubarak's 30-year rule.
Gadhafi is far from alone now. Anti-government protests have popped up all around the Arab world, with pressure growing on powerful leaders in places like Bahrain, Yemen and Algeria.
Gadhafi was a captain in Libya's army when, on September 1, 1969 -- which is referred to as Revolution Day in Libya -- he and others launched the coup by assuming control of key institutions in Benghazi. The overthrow was completed in two hours, according to GlobalSecurity.org, an independent provider of security information. At the time, the United States had military aircraft at Wheelus Air Base in Libya. And Washington did not initially oppose the coup, a 2008 Congressional Research Service report noted.
Gadhafi soon established himself as one of America's most vocal, and flamboyant, enemies.
By 1972, Gadhafi urged Muslims to fight the United States and Great Britain and vowed support for black revolutionaries in America. The next year, he launched a program "to destroy imported ideologies, whether they are Eastern or Western," a U.S. State Department timeline noted. In 1979, the U.S. designated Libya as a state sponsor of terrorism. The relationship only worsened in the 1980s, when U.S. military aircraft shot down two Libyan fighter jets. Libya's alleged attacks in Sudan, support for Nicaragua's Sandanista government and role in the bombing of a West Berlin nightclub only further stoked the ire of the administration of U.S. President Ronald Reagan, who called Gadhafi a "mad dog."
Libya's standing took a turn with the 1988 bombing of Pan Am Flight 103 over Lockerbie, Scotland, killing 270 people. World pressure intensified on Tripoli after Libyan intelligence agents were implicated.
By 1993, Gadhafi told the International Herald Tribune that he was taking a more conciliatory approach to world affairs. He called U.S. President Bill Clinton "the savior of the new world," and decried Islamic militants as "mad dogs" and "terrorists." Clinton continued to keep pressure on Libya, signing a law imposing sanctions on companies that invested more than $40 million in that nation's petroleum industry. By 1999, Libya finally agreed to transfer the Pan Am 103 suspects for a trial in the Netherlands, leading to their conviction two years later. While still known for sometimes unconventional comments, Gadhafi appeared to evolve into more of a statesman -- at least internationally. In 2009, he was elected by member states as head of the African Union. That year, he also addressed the United Nations' General Assembly for the first time. Still, he proved to be more a firebrand than an even-keeled diplomat, delivering a blistering, wide-ranging 96-minute rant.
His topics ranged from the U.N. Security Council to the assassination of U.S. President John F. Kennedy to a one-state solution for Israelis and Palestinians: Isratine. Gadhafi blamed the U.N. for failing to prevent 65 wars since its founding in 1945. But he also had kind words for U.S. President Barack Obama: "We are content and happy if Obama can stay forever as the president of America," Gadhafi said. Even as the U.N., the United States and other nations gradually began to soften their stance on Libya, reports suggested that freedom and basic rights remained widely restricted under Gadhafi. "He hasn't changed," said Fouad Ajami, a professor at Johns Hopkins School of Advanced International Studies. "This is a monster. And the Libyan people are suffering from this."
The government maintained a tight control over its communications, clamping down on news accounts critical of Gadhafi and his colleagues. It also restricted outside media access, including denying repeated requests from CNN to enter the country this month.
On Friday night, Libyan authorities shut down the nation's access to the internet, the U.S.-based tech firm Arbor Networks reported. While there have been indications of spotty Web coverage since, Libya sent out a text message warning about the "inappropriate use of telecommunications services." Internal political dissent was largely and often violently squashed. Moftah, an anti-government protester who did not give his full name for security reasons, said Gadhafi "always plays on fear" -- relying on a broad network of intelligence agents, secret police and others. "He makes you afraid of your family, of your friends," Moftah told CNN. "He will tell you that his secret police are everywhere."
And yet, despite the odds, people have still risen up this month against Gadhafi.
For years, Libya profited greatly from its vast oil reserves. One of Gadhafi's first orders of business after taking over was to assume control of properties and other interests of international petroleum companies. Still, even the great wealth of oil couldn't change the fact that Libya has suffered in the recent global economic downturn. As in much of the Arab world, youth unemployment is high in Libya -- and most of the population has never known a leader other than Gadhafi. And the fact it began in Benghazi, despite the Libyan leader's early history, is not a surprise, said Dirk Vandewalle, an associate professor at Dartmouth and author of "A History of Modern Libya." He noted that the coastal city has traditionally been seen as somewhat disloyal to Gadhafi's regime.
Whether the Libyan demonstrators can follow the leads of their Arab colleagues in Tunisia and Egypt remains to be seen. If they do, they will have to overcome a cult of personality -- much like prevailed in those countries -- without having any fallback as far as political institutions or legislation to build off should they succeed.
Unlike Egypt, Libya has no constitution, established institutions or any kind of mechanisms in place to support a new nation. The nation and its leader are one. "In Libya," Vandewalle said, "there is nothing beyond Gadhafi and his close circle."
