Technologies that help prevent carding

[chushpan]

Carding, as a form of cybercrime, requires the implementation of modern technologies to protect users and their financial data. Here are the main technologies that help prevent carding:

1. HTTPS Protocol
   Using the secure HTTPS protocol on online store websites ensures encryption of data transmitted between the user and the server. This reduces the risk of data interception by intruders.
2. 3-D Secure Technologies
   Systems such as 3-D Secure (e.g. Verified by Visa and MasterCard SecureCode) require an additional code to be entered to confirm a transaction. This code is sent to the user via SMS, generated by a token, or provided by the bank, adding a layer of security to online payments.
3. Two-factor authentication (2FA)
   Two-factor authentication requires the user to confirm their identity through two independent methods, such as a password and a one-time code sent via SMS. This makes it much more difficult for attackers to access accounts.
4. Transaction monitoring and machine learning algorithms
   Banks and payment systems use machine learning algorithms to analyze transactions in real time. These algorithms can identify suspicious transactions, such as unusual amounts or geographical inconsistencies, and block them until they are confirmed.
5. Data tokenization
   Tokenization replaces real card data (such as the card number) with a unique token that has no value to attackers. This reduces the risk of data leakage in the event of a hack.
6. Biometric Authentication
   Using biometric data, such as fingerprints or facial recognition, to verify transactions is becoming increasingly popular. This makes it impossible to use stolen data without the physical presence of the cardholder.
7. Fraud Insurance
   Since 2023, banks in some countries are required to offer customers fraud insurance, which helps minimize the financial losses of carding victims.

Summary​

These technologies together create a multi-layered defense that makes it difficult for carders to operate. However, it is important to remember that attackers are constantly improving their methods, so users should also be careful and follow basic security rules.