a bank cards have become very popular, allowing you to make payments using contactless technology, as banks forcibly issue cards with NFC chips to their customers. Typically, these are cards that work with Visa and MasterCard payment systems. Visa calls the technology payWave, MasterCard calls it PayPass, which is essentially the same thing. You can tell if your bank card supports contactless payments by the presence of company logos with the name of these technologies or a universal radio module icon on them.
Another feature of these systems is the possibility of making contactless payments up to a certain amount without authentication by the cardholder (without entering a PIN code). In Russia these operations are limited to an amount of up to 1000 rubles, in euro area countries up to 25 euros, in the United States up to 15 dollars, in the United Kingdom up to 20 pounds sterling (from September 2015 to 30), up to 50 zlotys in Poland, in Kazakhstan up to 4000 tenge, in Belarus up to 22 bel. rubles, in Poland up to 50 zlotys, in Ukraine up to 500 hryvnias, in Uzbekistan up to US $ 25, etc.
On the one hand, it is very convenient when you are in a hurry or your hands are busy, but there is also a downside to this technology, they are operations without confirmation. In general, if you take a closer look, bank cards have always been at the center of cybercriminals, huge sums of money have been stolen from their owners, and thanks to contactless technology another security hole has emerged. .
The first problem is the loss or theft of the card when you haven't noticed it. An attacker can go shopping with her and make purchases up to 1000 rubles until he empties the account.
The second problem is stealth theft of money through the NFC radio module. This usually happens in public transport, when the density of passenger traffic is high and it is easy for an attacker to get lost in a crowd of people, using a small PoS terminal or even a specially prepared smartphone, drove in the immediate vicinity of those places on your clothes where a credit card or bag in which there is a wallet, after settling a payment in the amount of 1000 rubles. You unknowingly make a payment and the money goes to the attacker.
In such cases texting informing about the write-off helps a lot, you have the option to quickly call the bank and notify the operator of the illegal write-off of funds from your checking account. The difficulty of a quick response may arise in the subway, when the signal level of your mobile operator's network is insufficient to receive timely SMS and you simply cannot hear the phone signal due to the level. high noise. For an attacker the opposite is true, the Wi-Fi in metro cars has added more possibilities to commit theft, since an internet channel is needed to communicate with the bank in order to withdraw funds from a bank card .Some people don't even notice the account debits right away, as in some cases they are not significant and it is not always possible to remember which purchases were paid for that day with a card, especially if you rarely use cash for payment. It is not even possible to compile full statistics on these illegal actions, as there are not many calls to law enforcement regarding these incidents due to the cardholder's reluctance to lose. of time due to the insignificant amount of stolen funds.
There are a number of fairly simple and obvious ways to protect your money from intruders:
1) Try not to put bank cards in the pockets of your pants and jackets, it is best to carry them in the middle compartments of your bag / briefcase (further from the walls);
2) Do not turn off SMS information, it can help react timely;
3) Limit the amount of daily expenses / withdrawals on the card, if the parameters of your bank-client allow it;
4) Use special means to protect bank cards, a large number of them appeared on Aliexpress.
Special protection measures include armored wallets, bags, metal cases and bank card holders. Special wallets now exist for all colors and riches, even the LV brand has such wallets in its range.
Here is a very inexpensive option, foil shielded plastic bags:
There are also metal boxes and supports:
If you don't want to spend money on such devices at all, you can make an envelope for a bank card from aluminum foil or cut it out of Tetra Pak by stapling the edges with a stapler .
If you know of other methods of protecting against fraudsters, write in the comments. Good luck to everyone!
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