Jackie here. October 1st brought about a big deadline for the new EMV (also called “Chip and PIN”) cards, but what does this really mean for you, the consumer? Let’s explore the changes that took place and find out how they’ll change credit card processing. The changes impact all major credit cards (Mastercard, Visa, American […]

Jackie here. Many of us love to take selfies, and one company is seeking to take advantage of that selfie love to make online transactions more secure. The Mastercard pilot program uses a binary code created from a selfie to authorize transactions instead of a typed password. The program is currently rather small, but if […]

Jackie here. Could a changing security code be the key to fighting credit card fraud? One card manufacturer hopes that their prototype credit card with a changing verification code (that 3 digit code sometimes called a CVV) will be in your wallet soon. Let’s take a quick look at this idea for fighting credit card […]

Jackie here. We recently discussed using gift cards and prepaid cards as anonymous form of payment, making this scam alert from the IC3 especially relevant. If you use gift cards, be sure to keep your eyes open so you don’t become a victim. Gift cards are a popular source of fraud, probably due to their […]

Jackie here. On a recent trip to the grocery store I pulled out my credit card to pay for groceries, only to have it declined. It was quite embarrassing. Luckily, I had another card on hand and was able to make my purchase. I left the store and immediately called the bank to see what […]

Tamara here, AllClear ID Investigator. Financial institutions have been working for years to make banking more accessible and convenient for their members. It started with ATMs, then with Internet banking, and now mobile banking. Mobile banking is convenient in that with a phone that has the capabilities, starting with text transaction processing and now moving […]

Jacqueline here, with AllClear ID. Discovering that you’ve been a victim of identity theft can feel like being hit in the chest by a load of bricks. You feel violated, overwhelmed and frustrated. Your finances are in shambles. Your credit report is littered with debts you didn’t accrue and the debt collectors might be starting […]

Jackie here, with AllClear ID. If your car gets stolen you call up your local police department. If your identity is stolen, it is a lot more complicated. Reporting and resolving id theft can be a multi-step process that involves talking with a variety of different law enforcement agencies and personnel. Knowing how to work […]