I received one postcard from my credit card company. There was a surprising wording.
"In the case of XX, you may not be able to shop online" I,
a heavy user who shops online every day. If you can't use your card, you're in trouble.
In order not to be deceived digitally, it seems that certain procedures are necessary that can be cumbersome.
In the case of ○○, I looked it up.
(Digital and Undeceived Interview Team / Kentaro Makata)
Will you not be able to shop online?
A postcard from a credit card company.
If you say the correct answer from the beginning, ○○ is a case of "not registering personal authentication".
What is "identity authentication"?
Until now, when shopping online, we users paid by entering the "card number" or the "security code" on the back of the card.
As an additional procedure, "identity verification" is required. Due to the increase in fraudulent card payments, the Ministry of Economy, Trade and Industry (METI) compiled measures in January 1 that require credit card companies and online shop operators to introduce the system.
How to authenticate your identity is
So what should we do?
One of the things being considered is a "one-time password" that issues a password that is valid only for a certain period of time.
Flow of personal authentication
When you proceed with online shopping, a one-time password will be sent to your pre-registered email address or mobile phone short message as shown in the figure above, and the payment is completed by entering it.
One-time passwords are only known to the person who receives the email, and a different password is issued for each payment, which makes it more secure. In addition, "biometric authentication" that matches pre-registered fingerprints and faces is also being considered.
However, it is troublesome to perform additional "identity authentication" every time you shop online. I think there are many people who think this way.
Therefore, some of the authentication services that are being introduced are devised to minimize the hassle of users. The authentication service called "EMV3DS" is a mechanism that requires "identity authentication" only when purchasing from a site that you do not usually use or accessing from a different device.
According to the Ministry of Economy, Trade and Industry, in the EU, which introduced "identity authentication" ahead of others, the rate of fraudulent use of cards decreased by about 2020% between July 7 and April 2021.
I tried to register for personal authentication
But isn't it still troublesome?
I also tried the registration procedure.
Follow the prompts to set a new password for registration that is different from the card password. Then, I entered the security code of the card and checked if the "one-time password" was actually sent to the smartphone.
It took about 5 minutes. It was a simple procedure without any hesitation. It depends on the credit card company, but it seems that many procedures can be done online.
This "identity authentication". In addition to major companies, it seems that many businesses will introduce it in the future, so it is important not to overlook the guidance from the credit card company.
A person in charge
of the credit card company: "The identity authentication service is one of the effective means to prevent unauthorized use of the card.
The worst fraud in history How to prevent damage
Fraudulent use of credit cards is behind the mandatory introduction of personal authentication.
The amount of damage was more than 330 billion yen, the worst in 21 years. Last year, it exceeded 9 billion yen by September, and is on pace to reach 300 billion yen for the year.
Fraud methods are also becoming more sophisticated. The most noticeable damage is "phishing scams" that steal card numbers from fake emails and websites and impersonate others.
When shopping online, it is important to pay close attention to fake websites and fake emails, and not to enter personal information easily. It is also important to check your card statement frequently and contact your credit card company immediately if you do not recognize the usage.
Be careful about pretending to be "personal authentication"
As the use of online shopping increases due to the Corona disaster, the risk of being a victim of unauthorized use has increased dramatically. And it is important to note that there have already been reports of methods of stealing personal information under the guise of guiding the registration procedure for this "personal authentication".
If you feel any suspicion about the procedure, please contact your credit card company. Now that we are in a transitional period until identity authentication becomes mandatory, it is important to thoroughly implement basic measures.
Actually, I too...
I've written it so far, and I've remembered it.
I felt like I had received this email about identity verification a long time ago.
When I checked the email history, it was indeed received more than a year ago in August.
E-mail received from credit card company
"Additional authentication for safe online shopping"
and "Prevention of unauthorized use such as 'spoofing'"
clearly reminded me. I confess.
At this time, the procedure seemed troublesome, so I left it alone, thinking that I should do it later.
In the end, I would like you to be careful with the self-discipline that you are the one who protects yourself.
NHK News Post
#デジタルでだまされない
interview team is looking for your opinions on how not to be fooled by your experiences.