Twice as many credit card fraud cases involve phone or online transactions than retail sales, according to new data from FICO. However, researchers found that sophisticated counterfeit rings have raised the stakes for merchants over the most recent twenty month survey period. Researchers reported an increase in "skimming," a technique where criminals tamper with ATMs and payment devices to capture both card details and personal identification numbers. Thieves can use magnetic stripe blanks or other stolen cards as "clones," passing details of a stolen account to a payment device without the victim's knowledge. ATMs, grocery stores, and automated fuel pumps topped the list of places where criminals use stolen or cloned debit cards.