Proposals from card fraud

With the increasing number of transactions carried out remotely using a credit card, and increases the number of frauds on the cards. And, despite the fact that banks tend to try to return the funds to its customers in proven cases of fraud, at the legislative level, this question can only be resolved now. New amendments to the bill "On the national payment system," made the chairman of the Duma Committee on Financial Markets Vladislav Reznik, administered for the banks responsibility to notify the holder of each transaction with a payment card. Accordingly, if the client did not receive the confirmation, then debited from the account funds must be returned to him. In the case of adoption of these amendments, the State Duma a new rule will force banks to intensify the fight against fraudsters who have put the production of cards compromised data "on stream". The proof of the latter is that the duplicate cards can be purchased almost freely available - just contact the fraudsters through the site, which offers the appropriate service. Background. When bank cards only appeared once considered a panacea for thieves. Indeed: there is no cash - no object of theft. But (here is a paradox!) Is an illusion of security allows fraudsters to "painless" for a write off money from the accounts of victims. And the variety of ways in which the funds are debited from the card (online, ATM, retail outlets), and provides more potential "holes" through which the money can go illegally. According to the Investigative Committee of the Russian Interior Ministry, in 2010, due to fraudulent credit card banks have been damaged in the 9 million rubles, which is 7 times less than in 2009 (reduction occurred, in particular, by reducing the amount of transactions) . However, these figures are, of course, is far from complete. According to Larisa Zhukova, the spokesperson of the Office of "K" the Russian Interior Ministry, in 2010, was initiated 66 cases over the theft of money from plastic cards. "This is the figure which does not reflect the real state of affairs here in Russia, - says Ms Zhukova. - Because there are still cases where a person can block the card when you receive alerts on mobile banking for withdrawing funds. Then the client calls the security service of the bank, which itself begins to deal with this matter. If payment has not yet managed to do by the attacker, then after an audit by the bank return the money at the expense of the customer. In such cases, criminal cases are not excited. Also, not all victims are served with our statements, especially if the amount of fraud on the map does not exceed 1-2 thousand rubles. " Indeed, to assess the extent of card fraud is quite difficult. Suffice it to say that now many online resources offer to anyone who wishes to buy a fake bank card. The cost of this fraud - from $ 100, you can remove her (to convince the sellers) of $ 1,000. True, there is no assurance that the card will not "zero." Moreover, the cards are sold only by one for the first time - so to speak, in the sample. All subsequent transactions are conducted at the customer's request to purchase 50 or more cards. Uncomfortable and that a potential "newcomer" in the field of card fraud is about 5 hours from the time the card is an ATM in time to cash out the entire daily limit ($ 1500-2500 for a card worth $ 100). That's how much time, according to distributors fakes, passes from the moment of notification of the cancellation of the customer through mobile bank to block the card. Manufacturer's warranty duplicate bank cards, of course, is not given, but on sites that offer to use their "services" can be found with the positive feedback of previous customers. True, the question is the fact that reviewers are left with 10 pieces in a certain time every day - hardly buyers have come to such a degree of coordination. Preventive measures. Attack of the fraud may be subject to any. In such situations, the safety of funds depends on the reaction rate is a special service for bank security for doubtful transactions. As the victims, law enforcement, often delaying the investigation, and eventually it falls apart. The participation of private firms in the same investigation as an alternative to "get into trouble a lot of money" - the amount of service provided to several hundred thousand. However, as a rule, banks are trying to prevent fraud was leaked to third parties, and especially law enforcement agencies (this explains the much lower "official" amount of loss). For this investigation lenders hold their own. "In every case of stealing money from bank customers in accordance with the rules of international payment systems is carried out complaints, - said" F. "in the Savings Bank. - In addition to paper investigates the circumstances of claim for the disputed transactions, analyzes the history of the card account is established involvement / non-participation in the client for the operation. According to the results of this work is decided on the return / non-return funds. " Dmitry Kashtanov, Head of Internet bank Alfa Bank, said that each case is considered individually, with the participation units of the bank, responsible for preventing fraud. In some cases, involved the bank's security service and law enforcement agencies. And Helen Bindusova, head of payment cards Prom-Svyazbank, said: "PSB reimburse funds for fraudulent transactions with forged cards upon a determination that the client was not involved in the commission of the transactions (for example, the client is in Russia and performs operations on your card, fraudulent operations are performed in another country, the time difference between the operations committed by the holder of a legitimate and fraudulent transactions is insufficient to bridge the gap between the countries / cities). " However, sometimes the banks, by contrast, too zealously protect their clients' money. For example, complaints from cardholders, Alfa-Bank, related to the blocking cards abroad after the first transaction. Such a measure is surprising in view of the fact that some other lenders first call to the client and asked whether he had an operation abroad, or set agreed with the customer daily limit spending account (that is actually the one offered by the new bill). Taking into account the fact that the claim for fraudulent transactions carried out can be seen for several months while simultaneously blocking the card at all this time, customers are strongly advised to ensure that the card has not been compromised. Absolutely effective way of combating fraud no. The more sophisticated methods of protecting the banks come up with pros, the more complex loopholes penetration into the encrypted data in opposition to them, cybercriminals. Every month scammers come up with something new. "If the phishing scam as there is a long time, viruses that can bypass the protection with a one-time passwords and tokens (like USB-stick, which only stores data for IB authorization -" F. "), have emerged recently - says Alexander Pisemsky , Deputy Director General, Group-IB. - The principle of this type of malware to bypass the one-time password is: it replaces the entry form of payments or intercepts the user's session in the browser, and then performs with his one-time password fraud. In the case of the token used by hackers remote control and send the payments directly from your computer, which is inserted into the hardware key. " Care and caution should be exercised not only private but also corporate clients. In general, every customer of the bank (both physical and legal entities) there must be an understanding of the so-called computer hygiene. Clients should begin to realize that for the benefit of a remote service to be paid. And if not money directly, as a minimum, the adoption of timely measures. "In SBANK.RU Business (corporate customers), we have implemented a system of notifications and reminders, which allows employees of companies to avoid unpleasant moments, for example, in time to take action and prevent the" unexpected "termination of a key digital signature, - said Maxim Volkov, head of Expert Group Banking Technologies SB Bank. - The system allows multiple users to define and divide among them the powers and rights of access to information. " Counterattack. The bill, banks offering to take compensation for fraud with cards, not the only initiative of deputies in the field. March 10, Anatoly Aksakov, president of the Association of Regional Banks of Russia, introduced a bill to the Duma, which regulates the criminal liability for the manufacture of forged payment documents, including bank cards. On the other hand, in order to bring the fraudster to court, you must first catch it. And with that, law enforcement officials and bankers still tight. If someone caught red-handed, and then only the most naive buyers discs that are trying to cash map. And then it happens very rarely. Themselves scammers claim that authorities are caught only 10% of buyers of counterfeit cards, and then from among those who are not thoroughly acquainted with the accompanying instructions. The biggest swindle with plastic cards Country Number ckomprometirovannyh cards, pieces of volume loss ($ million) Year U.S. N 8 million. on 2003 U.S. 38 N 800 thousand. etc., but in 2003 the crime was recorded in the Guinness Book of Records UK 32 thousand> 34 U.S. 130 million 2006-2007 2.8 2006-2008 Turkey 60 thousand in November 2007 Russia 180 0.86 2007 U.S. 40 million n. etc. 2008 Russia 44 September 2008 Russia 50 0.5 Spain 120 thousand in 2010 27.7 2010 Source: Media