Target and Neiman Marcus breaches likely included RAM scraper malware, sources say. RAM scrapers can be used to infect point-of-sale systems and intercept credit card numbers. The most likely explanation behind any cybercrime is financial — turning a profit. Congress may consider making retailers pay for the cost of replacing cards after a breach. The Wall Street Journal reports that in coming weeks, the Senate banking committee is set to explore whether retailers should foot the costs incurred by card issuers in the wake of a breach.”]
Source: https://www.darkreading.com/attacks-breaches/neiman-marcus-target-data-breaches-8-facts