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Cara Kerja Skimmer Dan Kiat Menghindari Skimmer

Akhir-akhir ini kita digemparkan dengan aksi pembobolan sejumlah rekening milik nasabah bank. Para korban kehilangan uang dalam rekening mereka secara mendadak. Polisi meng-indentifikasi pelakunya menggunakan alat yang disebut Skimmer. Bagaimana cara kerja Skimmer tersebut dan trik menghindari dari kejahatan ini?

http://jasonwillison.files.wordpress.com/2009/04/atm-skimmer1.jpg

Mereka melakukan modus pembobolan dengan cara menyalin atau meng-kloning data dari kartu ATM milik nasabah menggunakan perangkat yang disebut Skimmer. Skimmer adalah alat pembaca dan penulis kartu magnetik. Skimmer bisa menyalin seluruh data dari ATM kita kemudian mentransfernya ke kartu lain yang masih kosong. Cara kerjanya mirip alat pengganda cd writer pada komputer yang mampu membaca cd berisi data, kemudian menyalinnya ke cd lain yang masih kosong. Isinya akan sama persis dengan cd aslinya.

Pelaku biasanya menempatkan alat Skimmer miliknya di mesin ATM. Saat nasabah melakukan transaksi dengan mesin ATM yang telah disusupi Skimmer, secara otomatis alat ini akan menyalin seluruh data dari kartu ATM si nasabah. Selain Skimmer, pelaku juga menempatkan sebuah kamera kecil tersembunyi untuk merekam nomor pin si nasabah. Kamera biasanya diletakkan dekat dengan tombol penekan pin. Jadi, saat nasabah menekan tombol pinnya, otomatis akan termonitor dan direkam.

Lengkap sudah. Pelaku bisa memiliki data dari kartu ATM si nasabah sekaligus nomor pinnya. Kemudian, dengan gampang ia tinggal menggunakan kartu hasil kloning dan pin nasabah untuk menguras habis isi rekening tersebut.

Aksi pembobolan menggunakan perangkat Skimmer ternyata juga bisa dilakukan dengan alat debit kartu di mall atau toko yang menyediakan layanan pembayaran secara debet. Cara kerjanya hampir sama saja dengan modus yang diterapkan di mesin-mesin ATM.

Di Indonesia. Aksi menggunakan perangkat Skimmer merupakan kejahatan perbankan jenis baru. Tercatat kejadian serupa di Batam, pertama kali terjadi di Surabaya tahun 2006 lalu. Untuk melancarkan aksi, para pelaku kejahatan ini juga tidak segan-segan membeli perangkat Skimmer yang berharga hingga puluhan juta rupiah di luar negeri.

Lantas jika sudah begitu, bagaimana cara menghindarinya?. Tentu kita juga tidak rela dana dalam rekening menguap tiba-tiba karena ulah para pelaku. Ada beberapa tips yang mungkin bisa diikuti :

Kiat Menghindari Skimmer

1. Amankan selalu nomor pin anda

2. Teliti dengan seksama mesin atm yang akan digunakan

3. Jangan pernah meninggalkan kartu atm anda di mesin bila sewaktu-waktu macet dan tidak mau keluar

4. Biasakan berbelanja dengan uang tunai jangan percaya begitu saja dengan fasilitas electronic data capture (EDP)

This entry was posted on Friday, January 22nd, 2010 at 12:23 am and is filed under Berita IT. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

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