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Turning automated teller machines into your personal piggy bank is easy—alarmingly easy. That's the message of, a software-cracking whiz turned digital-security researcher. He has demonstrated his hacking prowess at events like DefCon, coaxing ATMs into spitting out wads of cash in less than a minute using scripting know-how, a few simple tools, and some Googling. Here's his method.

Scout a Target You want locales without video surveillance—think bars, not banks. Once you know the machine's make and model, a quick web search can readily yield hardware specs, operators' manuals. Sometimes even online access. Craft Your Code This is the tricky bit. You'll need to roll your own malware to override the manufacturer's firmware. But buck up—online user guides explain the ATM's OS, which is often primitive. 'It's 1999-level technology,' Jack says.