The image, which first appeared in Russian media, shows a man standing on public transport holding a mobile card reader in his hand.
It is claimed that by keying an amount into the terminal and holding it against the pockets of unsuspecting targets, he could steal money out of their accounts via their contactless cards.
There’s not much context to the picture, and there’s nothing to suggest the man is a new kind of ‘digital pickpocket’. But it’s theoretically possible to steal money in this way, and it’s got some people worried.
Some card machines in shops, cafes and restaurants need to be connected to a landline terminal to work. More advanced devices, which are common across the country, use GPRS to make a connection — allowing merchants to take card payments almost anywhere.
If a thief had one of these GPRS-enabled machines, they would be able to ‘skim’ victims’ contactless cards almost anywhere, without them knowing.
However, most banks require their customers to have a business bank account if they want to take card payments — starting one of these accounts naturally involves handing over personal information to the bank, making the criminal traceable if a victim noticed the transaction on their statement.
Customers could get a refund from the bank if they spotted the fraudulent activity, and if the bank traced the theft to the criminal’s account, they could get shut down. But by that point, it might be too late.
Using this method to steal from people is harder than it seems, and out of the millions of people in the UK who own contactless cards, there have only been a few reported cases of these kinds of thefts taking place.
Those worried about being targeted could invest in RFID-blocking card sleeves, which prevent cards from being read by scanners. However, the effectiveness of certain brands has been debated. Tests have shown that wrapping cards in tin foil can achieve the same effect.
Although the prevalence of this type of crime may be overblown, contactless card skimming isn’t completely implausible, and taking these security measures could give you peace of mind.
Despite the potential risks, contactless payments are on the rise – there’s over 70 million of the cards in circulation across the UK, and one in three card payments made in London in 2014 was contactless.