COMPARATIVE ANALYSIS OF THE DEGREE OF BANK CARD’S SAFETY

Balgabaev Arman , 3th year student of the specialty " 5B050700 - Management" Sh . A.Baitursynov

Irina Morozova , Senior Lecturer , Department of Information Systems

KSU . A.Baitursynov

Credit card - a plastic card that is tied to one or more accounts with banks. Used to pay for goods and services, including through the Internet, as well as for cash withdrawals. There are debit and credit cards. Debit cards are used for the disposal of his own money, located in the current account in the bank. Credit cards are used for disposal of the bank's money, when making the payment automatically taken from the bank on credit.

Despite the attractiveness of the using it, bank cards have a number of disadvantages and one of them - the theft. Theft of cash from bank cards - is a worldwide problem. There is even a list of high-risk countries in which it is not recommended to use a plastic card when paying for purchases.

These is mainly developing countries of Asia, South America and the Middle East, such as Thailand, Singapore, Malaysia, Mexico and Brazil, also Israel, Syria, and Iran, there is a risk zone in Eastern Europe too - in Albania, Ukraine and others not so economically developed European countries.

In Kazakhstan, this kind of crime is not so extended, but it is not linked with any special security of system cards, it is just the fact that bank cards and payment for goods using credit cards is not so common and more people prefer cash.

The most common way to steal - it read PIN plastic card with the help of special devices that fraudsters set at ATMs.

The safety of payment systems VISA, MasterCard, using of credit cards for payments in the Internet also involves the using of the most advanced technologies of the transactions which available only to banks and major international financial institutions.

Let us dwell on the more applied aspects of the safe using bank cards, more precisely on the two decisions in the security of transactions:

1. . CVV2 (Visa) / CVC2 (MasterCard) - a three-digit numeric code generated by a special algorithm, and printed on the back of the card or on a slip to sign immediately after the card number or the right of the strip. Thus the number of the card may be either complete, or consist of the last three numbers

2. Laminating cards. In this case, during the production of a card with both sides covered by laminate (protective layer) and pressed at a predetermined temperature. This one-of-a-kind method that makes it possible to "hide" inside the map required elements (microchip, an antenna, a magnetic strip).

Also, as is the case with credit cards are lacquered Lamination - excellent method for protecting the surface

3. Magnetic stripe appeared in the late 70s. It is one of the most common security features. It is of low coercitive and, accordingly, high-coercivity and can have a lifespan of a few months to life. Magnetic stripe provides not only protection but also allows electronic devices to read any information from the card.

4. The numbering - also called text personalization. In this case, the map data are applied in the form of letters and numbers. These include full name and date of birth of the card holder, its number and expiration date, etc.

5. Embossing - is the application of text personalization by extrusion. After that, the data can be painted in gold, silver or any other color.

6. The barcode - is coded information, which is applied in the form of grooves of varying width. Most often used in identification cards and contains personal information about the owner.

7. Scratch-stripe is one of a large number of protective layers, which has the form of opaque stripes. Used to protect classified information. Typically, the edge of a coin is erased. Widely used in the field of payment services and internet connection.

There are also a security elements include a hologram chip iridistsentny, UV, metallic paint, and foil stamping.

Unfortunately, even the most perfect protection can be neutralized, her clumsy and sometimes careless use, so cardholders must constantly observe safety precautions when working with payment by credit card.