TYPICAL METHODS OF BANK CARD FRAUD

Abstract

In this article, it has been emphasized that the methods of committing bank
card fraud are fully structured and include typical actions for the preparation,
direct commission and concealment of the specified criminal offenses. It has been
established that typical methods of preparation are: determining the subject
composition: searching for accomplices, colluding with them regarding the roles
of each in fraudulent schemes, predicting the methods of communication with
each other, determining the size of the share of the reward for each of the
participants in the fraudulent scheme; choosing the scope of committing
fraudulent actions and determining the circle of potential victims, obtaining their
personal data; choosing the methods of directly committing fraudulent schemes
and the necessary means and tools, searching for them and preparing them;
developing a plan for implementing a fraudulent scheme or fraudulent schemes;
determining the methods of legalizing funds obtained as a result of committing
bank card fraud, etc. It has been found that the methods of direct commission of
fraud with bank cards vary depending on the chosen fraudulent scheme and are
presented as follows: posting messages on social networks about collecting funds
for aid, about selling a certain product or providing certain services, conducting
correspondence with potential victims and convincing them of the need for
donation, payment (full or partial); sending messages about social benefits or
other assistance, receiving personal data of individuals during the processing of
the specified “payments” and seizing funds that were on bank cards; copying bank
card data contained on magnetic stripes using skimming overlays, further
reproducing them on other media and withdrawing funds from “compromised”
cards at ATMs in Ukraine or abroad; calling under the guise of a bank employee to
clarify certain data in order to provide an additional beneficial service or block
unauthorized attempts to gain access to the victim’s bank account; creating fake
chatbots, websites of banking institutions or popular online stores, obtaining
personal data of victims as a result of their banking transactions through the
specified chats/sites and further seizing the funds of the specified persons.
Typical methods of concealing bank card fraud have been identified and
characterized: using different IP addresses to make it impossible to determine the
location of the criminal; creating “fake” accounts; frequently changing SIM cards;
committing actions to mislead victims, obtaining personal data of the victims in
digital form and seizing their funds remotely, without personal contact, often