to swipe and store hundreds of victims' card numbers. Common scenarios for skimming are taxis, restaurants or bars where the skimmer has possession of the victim's payment card out of their immediate view. The thief may also use a small keypad to unobtrusively transcribe the three or four-digit card security code, which is not present on the magnetic strip. Call centers are another area where skimming can easily occur. Skimming can also occur at merchants when a third-party card-reading device is installed either outside a card-swiping terminal. This device allows a thief to capture a customer's card information, including their PIN, with each card swipe. Skimming is difficult for the typical cardholder to detect, but given a large enough sample, it is fairly easy for the card issuer to detect. The issuer collects a list of all the cardholders who have complained about fraudulent transactions, and then uses data mining to discover relationships among them and the merchants they use. Sophisticated algorithms can also search for patterns of fraud. Merchants must ensure the physical security of their terminals, and penalties for merchants can be severe if they are compromised, ranging from large fines by the issuer to complete exclusion from the system, which can be a death blow to businesses such as restaurants where credit card transactions are the norm. Instances of skimming have been reported where the perpetrator has put over the card slot of an automated teller machine, a device that reads the magnetic strip as the user unknowingly passes their card through it. These devices are often used in conjunction with a miniature camera to read the user's personal identification number at the same time. This method is being used in many parts of the world, including South America, Argentina, and Europe. Unexpected repeat billing Online bill paying or internet purchases utilizing a bank account are a source for repeat billing known as "recurring bank charges". These are standing orders or banker's orders from a customer to honour and pay a certain amount every month to the payee. With E-commerce, especially in the United States, a vendor or payee can receive payment by direct debit through the ACH Network. While many payments or purchases are valid, and the customer has intentions to pay the bill monthly, some are known as Rogue Automatic Payments. Another type of credit card fraud targets utility customers. Customers receive unsolicited in-person, telephone,