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Visa tests out a new credit card scheme to curb Internet fraud

Whilst purchases through the Internet are rising sharply,

credit card fraud is rising even faster to more than £117 million a year according to the Association for < Article on

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> Payment Clearing Services. This is against a background of falling levels of fraud within the retail market generally, largely due to new chip and pin technology. (mortgage quotations)

The problem is that chip and pin technology does not protect clients buying online as they cannot confidentially provide their pin number. [ Car Insurance hub ] So Visa has come up with a solution.

Known as Token Based Authentication, each time a cardholder Mortgage articles >wishes to buy over the phone or on the Internet, they slide their card into a small device small enough to be clipped onto a key fob. This device then randomly displays a four-digit code number. life insurance, great articles The customer then provides this code number along with their card details when confirming the purchase.

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