Credit card fraud is an almost unavoidable problem of payment systems. Although payment fraud changes its methods and forms over time, its basic aim is always to deceive the cardholder in some way and obtain their card details.
Credit card fraudsters keep finding new methods every day and continue their fraud.
Let's look together at the unbelievable method they have added to their ways of making unauthorized credit card spending.
Police officers and experts who have witnessed many credit card fraud cases so far are quite surprised by this new method. While explaining the new method, the experts also warned credit card users about the precautions they should take.
Teams under the Cyber Crime Branch Directorate of the Istanbul Police Department carried out an operation against people who worked as motorcycle couriers at businesses and copied the debit or credit cards of customers at the homes where they delivered orders onto POS devices with modified software, thereby obtaining their details. In the operation, B.C, M.F.G, F.S, A.T and H.A, who transferred the details copied with this method onto another magnetic card and made 50,000 lira of unlawful gain, were detained. In the search carried out at the addresses, three POS devices with modified software and many digital materials belonging to the suspects were seized. After their procedures at the police department, the suspects were brought before a court, arrested and sent to prison.
ADVICE FROM A CYBER SECURITY EXPERT
Explaining the fraudsters' method, Cyber Security Expert Osman Demirci said, "You have received your product and now it is time to pay. The POS device handed to you is usually a fake one or one with malware installed on it. It looks as if they are trying to carry out the first transaction there, but all of your card details are being copied. Afterwards they say they could not complete your transaction, and your payment is taken with the real POS device."
"IT IS REALLY HARD TO NOTICE"
Saying that the first transaction differs from a normal one, Osman Demirci said, "Their interfaces are a little different from the standard look of a POS device. A very careful consumer might notice this, but in general it is really hard to notice. Once you notice, the most important thing to do is to make sure the card is blocked. You should contact the bank immediately. You should immediately contact the company the courier works for. Afterwards, law enforcement must definitely be informed."
THE BEST PRECAUTION IS TO KEEP DAILY SPENDING LIMITS AS LOW AS POSSIBLE
Describing the precautions to be taken against fraudsters, Demirci said, "It is very important not to make this kind of purchase from places we do not know or do not shop at regularly. We can keep our card limits at very minimal levels. Our daily spending limits can be very low and small. That way, if we are caught up in any fraud, we directly lose the smallest amount of money, and not all the money in our account is lost."
Officials, explaining that the most reliable method for online shopping is to enable the card for use only when you are going to use it or to create a virtual card, warned citizens to stay alert against any unusual activity on their credit cards.
To keep your credit card safe, it is important to pay attention to the following points:
- If a transaction is to be made using a POS device, make sure the card details are not copied until the transaction is completed.
- The daily limits defined on the card should be close to your spending limits.
- In e-commerce transactions, make sure the site has the required certificates and is trustworthy.
- Make sure e-commerce transactions are carried out with 3D Secure.
- In e-commerce transactions, prefer secure payment methods such as BKM Express.
