But that also requires the device to have a substantial internal power supply, such as a somewhat bulky cell phone battery. Normally, overlay skimmers relay this data wirelessly using a built-in Bluetooth circuit board. The fraud investigators I spoke with about this device (who did so on condition of anonymity) said initially they couldn’t figure out how the thieves who plant these devices go about retrieving the stolen data from the skimmer. The PIN pad overlay and skimmer, fully seated on a payment terminal. Here’s what the fake PIN pad overlay and card skimmer looks like when fully inserted into the card acceptance slot and viewed head-on: The skimmer pictured above does not stick out of the payment terminal at all when it’s been seated properly inside the machine. When the terminal is no longer in use, the skimming device remains dormant. Incredibly, this skimming apparatus is able to siphon a small amount of that power (a few milliamps) to record any data transmitted by the payment terminal transaction and PIN pad presses. When a chip card is inserted, the terminal reads the data stored on the smart card by sending an electric current through the chip. Virtually all payment card terminals at self-checkout lanes now accept (if not also require) cards with a chip to be inserted into the machine. You’ll notice neither device contains a battery, because there simply isn’t enough space to accommodate one. The second component, which is wired to the overlay skimmer, is a flexible card skimmer (often called a “shimmer”) that gets fed into the mouth of the chip card acceptance slot. The overlay includes a microcontroller and a small data storage unit (bottom left). The one on top is a regular PIN pad overlay designed to record keypresses when a customer enters their debit card PIN. The overlay skimming device pictured above consists of two main components. The entire device folds onto itself, with the bottom end of the flexible card shimmer fed into the mouth of the chip card acceptance slot. A point-of-sale skimming device that consists of a PIN pad overlay (top) and a smart card skimmer (a.k.a.
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