Municipal, state, and federal law enforcement personnel are often the first to discover that stolen payment card account numbers have made their way into the hands of criminals when they confiscate prepaid cards as well as cloned credit and debit cards as part of an arrest. Twice this year, U.S. law enforcement agencies arrested suspects in possession of more than 100,000 cards. Cloned cards typically are magnetic stripe hotel room keys encoded with stolen data purchased on the dark web, skimmed at a restaurant or pay-at-the-pump gas station, or received from anywhere in the world by way of an...