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ATM FRAUDS Computers also make more mundane types of fraud possible. Take the automated teller machine (ATM) through which many people now get cash. In order to access an account, a user supplies a card and personal identification number (PIN). Criminals have developed means to intercept both the data on the card’s magnetic strip as well as the user’s PIN. In turn, the information is used to create fake cards that are then used to withdraw funds from the unsuspecting individual’s account. For example, in 2002 the New York Times reported that more than 21,000 American bank accounts had been skimmed by a single group engaged in acquiring ATM information illegally. Normal ATM users cannot fight against such an attack on their banks. But with vigilance, they can help bring criminals to justice. The catalyst for the successful capture of the heisters was intel provided by citizens who, after noticing the foreign nationals acting suspiciously and gathering relevant information—i