Tuesday, October 16, 2012

debit and credit card fraud tips and risks


Do not rely on the wrong card!

Debit and credit cards - cash for millions. No question: It's fun, easy to pay with his "good name". Debit and credit cards play in non-cash payments in various fields play a significant role and are becoming increasingly important. You can be as an alternative to cash easily and generally used as a means of payment. Then there is the world-wide acceptance of credit cards in the market and the possibility of world more than 820,000 ATMs to withdraw (about 55,000 in Germany) by EC-Karte/Bankkarte cash or credit card.

The risks:

The proliferation and especially the popularity of the "plastic money" exert an irresistible attraction to criminals. It is now often made them easy data such as credit card number, expiration date and signature of the card is a credit card user price wherever he pays by card. All data are included in the receipt. So with each payment, more and more people come into the possession of highly confidential information. This favors the so-called debit and credit card fraud. Furthermore, the perpetrators are constantly developing new approaches in order to fraudulently gain access to card data and personal identification number - such as the so-called "skimming": Attachments are attached to the card insertion slot of an ATM or strikes to obtain the magnetic stripe of the card. A miniature camera is used for spying on the secret number.



Pay by credit card (data) in the mail, phone or Internet-order process

With this payment option goods or services are ordered by letter, phone, fax or primarily on the internet. The payment will include the credit card number and expiration date, possibly in addition by means of the Card Verification Code (CVC / CVV, on the reverse side).

At the end of the first quarter of 2009, took about 69 percent of all German adults the Internet at home, at work or elsewhere. Compared to the same period last year, this means an increase of five percent. The continued rise in use of the Internet also make criminals to obtain payment card information advantage:

Sun dubious dealers give the use of credit cards (data) on the Internet at the end of the business card data or use it illegally. It may also in using a non-secure (unencrypted) Internet connection with private individuals or companies to tap the card data through a third party.

By mail or by means of fake Internet malware (Trojans) is trying to get to payment card information, passwords, personal data ("phishing"). The example allegedly emanating from the security departments of the banks mails demanding the receiver on some pretext, account information, SSN numbers, etc. enter on a website.
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