> Essentially, the perpetrator opens a pump using one of a few master keys, unplugs the credit card reader from the main pump controller, plugs the card reader into the skimmer and plugs the skimmer back into the pump controller. This reportedly takes less than 30 seconds.
So I'd say that at least those stations whose pumps can be opened easily with a master key should be liable if their careless handling of customer data leaks credit card details to skimmers. A fine would put additional pressure on the pumps with the worst security and might eventually lead to widespread deployment of something like the alarm system proposed at the end of the article.
So it's not clear that these things are purely under the gas stations control and that a simple fine would solve the issue.
Alternative solutions might include:
1. Mandating stronger security certification of public facing card readers.
2. The police more aggressively prosecuting these offenses (raising the cost to criminals who are caught and making the offense less profitable).
I don't have complete information, so it's not clear to me which solution is best. But it doesn't seem obvious and simple.
I guess in both cases what they can do to prevent those things from occurring at all is limited. Is anyone arguing that they don't monitor for skimmers on a regular basis? It's just that the criminals keep putting them back.
Most stations do what they can with security seals, frequent inspections, I've even seen some that install hardware-store hasps and padlocks on the pumps.
I do wonder why they have not converted to chip cards though. Almost all other retailers have.