Part 1After experiencing a larger than usual number of credit card frauds, the bank issuing the cards was able to determine that most of the credit cards had been used in only one locationlong dash—a restaurant in New York City. An investigation uncovered a waiter who was double swiping credit cards and using the captured data to make online purchases where a physical card was not required. This is an example of ________. Part 1
A. skimming B. chipping C. piggybacking D. eavesdropping E. QR barcode replacement

Question

Part 1After experiencing a larger than usual number of credit card​ frauds, the bank issuing the cards was able to determine that most of the credit cards had been used in only one locationlong dash—a restaurant in New York City. An investigation uncovered a waiter who was double swiping credit cards and using the captured data to make online purchases where a physical card was not required. This is an example of​ ________. Part 1
A. skimming B. chipping C. piggybacking D. eavesdropping E. QR barcode replacement

BlackTom AI · Accepted Answer

The scenario described involves a waiter capturing card data from cards used at a single location and then using that data to perform online purchases without needing the physical card. This matches the concept of skimming, where card information is illicitly copied from the magnetic stripe during a legitimate transaction and subsequently misused. 
Option A: A. skimming — This is the correct identification. Skimming occurs when data from a card is illegitimately captured at the point of sale and used later for fraudulent purchases, including online transactions without the physical card. 
Option B: B. chipping — Chip technology (EMV chips) is designed to reduce cloning and fraud by requiring a dynamic code for each transaction; it does not describe this fraud pattern of card data being copied at the POS for later online use. 
Option C: C. piggybacking — In security terms, piggybacking usually refers to gaining unauthorized physical access by following an authorized person or bypassing access controls, not stealing card data. It does not capture the data-theft aspect in this context. 
Option D: D. eavesdropping — Eavesdropping would involve listening to communications or intercepting data in flight, such as cardholder PINs or network transmissions, but the key detail here is the copying of data from the card at the POS (skimming) rather than mere listening. 
Option E: E. QR barcode replacement — This would involve fraud through tampering with QR codes or replacing barcodes to capture data or redirect payments, which is a different attack vector and not described by the scenario where a waiter's copying of magnetic stripe data is the main issue. 
In summary, the described fraud chain—capture of card data from transactions at a restaurant and subsequent online purchases without the physical card—best fits skimming, while the other options refer to different methods or security failures that do not neatly describe this specific incident.

Homework:In Class Chapter 9

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