Add reference for ECB Thurd Report on Card Fraud

articles/ui/taler.bib

@@ -171,3 +171,22 @@
   www_pdf_url = {https://www.torproject.org/svn/trunk/doc/design-paper/tor-design.pdf},
   www_section = {Anonymous communication},
 }
+
+
+
+@misc{brands1993efficient,
+  title={An efficient off-line electronic cash system based on the representation problem},
+  author={Brands, Stefan A},
+  year={1993},
+  publisher={Centrum voor Wiskunde en Informatica}
+}
+
+@misc{ECB:TRoCF2014,
+  title     = {Third Report on Card Fraud},
+  publisher = {European Central Bank},
+  month     = {February},
+  year      = {2014},
+  howpublished = {\url{https://www.ecb.europa.eu/pub/pdf/other/cardfraudreport201402en.pdf}},
+}
+
+

articles/ui/ui.tex

@@ -249,9 +249,9 @@ the same anti-forgery protections that are in place for cash.
 Against most attacks, customers and merchants {\em limit} their risks
 to the amount of cash that they carry or accept at a given
 time~\cite{Bankrate}.  Additionally, customers are advised to choose
-the ATMs they use carefully, as malicious ATMs may attempt to {\em
-  steal} their customer's credentials.  Authentication with an ATM can
-involve a special ATM card, or the use of credit or
+the ATMs they use carefully, as malicious ATMs may attempt to 
+{\em steal} their customer's credentials~\cite{ECB:TRoCF2014}.  Authentication with an 
+TM can involve a special ATM card, or the use of credit or
 debit cards.  In all these cases, these physical security tokens are
 issued by the customer's bank.