Payment card overlay skimmer detection

1. A device for detecting the presence of a credit card skimmer, the device comprising:

a printed circuit board (PCB) comprising a pattern of electrical traces on its surface, wherein the PCB is configured to be insertable into a credit card reader or scanner; and

a non-transitory machine-readable medium in operable communication with the PCB and comprising instructions stored thereon that, when executed, cause at least one processor to:

direct an electrical voltage to a trace of the pattern of electrical traces, and

detect an instance of electrical current between two points of the trace in response to the presence of a read head providing an electrical contact between the two points of the trace, wherein the pattern comprises a gap disposed between the two points;

increment a counter based on a number of detected instances of electrical current between the two points of the trace;

identify a mode of detection comprising a swipe mode or a dip mode;

identify a number of read heads based on the detected number of instances of electrical current between the two points of the trace in response to the mode of detection being identified as swipe mode;

identify a number of read heads based on the detected number of instances of electrical current between the two points of the trace divided by two in response to the mode of detection being identified as dip mode; and a communication interface configured to providing an indication of the presence of a credit card skimming device within the credit card reader in response to identifying more than one magnetic read head within the credit card reader.

2. The device according to claim 1 , wherein the electrical traces are flat.

3. The device according to claim 1 , wherein the electrical traces extend beyond the surface of the PCB.

4. The device according to claim 1 , further comprising a magnetic stripe component configured to allow the PCB to identify itself to a terminal.

5. The device according to claim 1 , wherein the PCB is directly connected to the machine-readable medium.

6. The device according to claim 1 , wherein the PCB further comprises wireless circuitry, and

wherein the wireless circuitry is configured to communicate with the machine-readable medium.

7. The device according to claim 1 , wherein the PCB further comprises an accelerometer, and is configured to automatically identify a dip mode from insertion into a “dip” style reader and a swipe mode from insertion in a “swipe” style reader based on a signal from the accelerometer.

8. The device according to claim 1 , further comprising circuitry configured to provide location-based services functionality.

9. The device according to claim 1 , wherein the PCB has a credit card shape.

10. The device according to claim 1 , further comprising a case in which the machine-readable medium is disposed.

11. The device according to claim 1 , further comprising:

a processor in operable communication with the machine-readable medium, wherein the instructions stored on the machine-readable medium, when executed, cause the processor to direct the electrical voltage and detect the electrical current between the two points;

at least one switch;

at least one button;

a display; and

a power source.

12. The device according to claim 11 , wherein the processor, the at least one switch, the at least one button, the display, and the power source are disposed in or on the case.

13. A method for detecting the presence of a credit card skimmer, the method comprising:

inserting a printed circuit board (PCB) comprising a pattern of electrical traces on its surface into a card scanner or reader;

applying a voltage to a trace of the pattern of electrical traces; and

detecting a current along two points of the trace;

wherein the pattern of electrical traces comprises a gap;

wherein the gap is disposed between the two points; and

wherein, in response to a current being detected along two points of the trace, increment a read head counter to identify a number of instances of electrical current detected along the two points of the trace

identify a mode of detection comprising a swipe mode or a dip mode;

identify a number of read heads based on the identified number of instances of electrical current between the two points of the trace in response to the mode of detection being identified as swipe mode;

identify a number of read heads based on the identified number of instances of electrical current between the two points of the trace divided by two in response to the mode of detection being identified as dip mode; and providing, via a communication interface, an indication of the presence of a credit card skimming device within the credit card reader in response to identifying more than one magnetic read head within the credit card reader.

14. The method according to claim 13 , further comprising

determining an appropriate number of read heads associated with a particular card scanner or reader; and

comparing the appropriate number of read heads to a number of read heads detected.

15. The method according to claim 13 , wherein the PCB further comprises an accelerometer, and is configured to automatically identify a dip mode from insertion into a “dip” style reader and a swipe mode from insertion in a “swipe” style reader based on a signal from the accelerometer.

16. The method according to claim 13 , further comprising using location-based services to determine a location of the card scanner or reader.

17. The method according to claim 13 , further comprising outputting a result of the detection to a remote device.

18. An apparatus comprising:

a substrate sized to be received within a credit card reader;

a circuit disposed on the substrate, wherein the circuit comprises at least one electrical trace comprising two points on the trace defining a gap there between;

a processor configured to direct an electrical voltage to the at least one electrical trace and to detect an electrical current between the two points of the trace, wherein the electrical current identifies a magnetic read head;

increment a counter based on a number of detected number of instances of electrical current between the two points of the trace;

identify a mode of detection comprising a swipe mode or a dip mode;

identify a number of read heads based on the detected number of instances of electrical current between the two points of the trace in response to the mode of detection being identified as swipe mode; and

identify a number of read heads based on the detected number of instances of electrical current between the two points of the trace divided by two in response to the mode of detection being identified as dip mode; and

a communication interface configured to provide an indication of the presence of a credit card skimming device within the credit card reader in response to identifying more than one magnetic read head within the credit card reader.

19. The apparatus of claim 18 , wherein the communication interface comprises a wired or wireless connection to a user device, wherein the user device comprises a display to provide an indication of the presence of the credit card skimming device.

20. The apparatus of claim 18 , wherein the substrate comprises at least one pressure sensor disposed thereon, wherein the pressure sensor is configured to provide an indication of application of pressure to the pressure sensor in response to the sensor passing a magnetic read head of the credit card reader, wherein the processor is configured to establish a number of magnetic read heads in response to pressure signal from the pressure sensor.