olemus
makse- vm kaardi duplikaadi valmistamine, näiteks skimmingu abil
= making an unauthorized copy of a credit card

ülevaateid
https://www.youtube.com/watch?v=jnrZExrWbOs
https://en.wikipedia.org/wiki/Automated_teller_machine#Card_fraud
https://www.blackhat.com/docs/us-15/materials/us-15-Fillmore-Crash-Pay-How-To-Own-And-Clone-Contactless-Payment-Devices.pdf
https://www.kaspersky.com/blog/sim-card-history-clone-wars/11091/
https://murdoch.is/papers/oakland14chipandskim.pdf