Fighting crime in cashless payment transactions through the use of non-police organizations

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Fighting crime in cashless payment transactions using non-police organizations (abbreviated to KUNO ) is a project of the EHI Retail Institute in cooperation with the German police and the Central Association of German Retailers , which aims to help contain the damage caused by fraud when shopping with debit cards by direct debit .

method

The cardholder who detects the loss of his EC card reports the loss or theft to the police. This makes the data of the stolen or lost cards available in the central database of the EHI. From there, the information is forwarded to retailers and network operators .

Often there are several cards for one bank account . If the police report does not state which card has been lost, the retailer will block the entire account for direct debit. The account holder can convert the account block into a card block by submitting the card sequence number. Late registration takes place via the Internet or by telephone . The account holder receives the contact details and the so-called blocking confirmation number to authorize this card sequence number update on a leaflet from the police.

history

The system was first introduced in August 2001 at the Dresden Police Department . There, card misuse in the signature-based ec direct debit process was reduced by over 80% within a year.

Due to the success and simple technical implementation, the process was introduced in other cities in the following years. In the federal states of Berlin , Brandenburg , Mecklenburg-Western Pomerania , Saarland and Saxony , as well as in some other major German cities , the police started working with the system at an early stage.

However, a nationwide introduction initially failed due to reservations about the security of card payments with signature. After talks between the main retail association and the conference of interior ministers of the federal states, however, it was possible to agree on a nationwide introduction. The other countries agreed to participate based on a resolution at the Conference of Interior Ministers in autumn 2005 .

A recognized partner was found in the EHI Retail Institute, who is now taking over the technical implementation on the retail side and the further development of the system.

The pilot for nationwide introduction with a central platform was started in February 2006 in Stuttgart. The first territorial states involved were North Rhine-Westphalia , Baden-Württemberg and Lower Saxony . In the meantime, all federal states report the loss of debit cards to KUNO. The volume of reports is over 11,000 per month.

successes

In the press conference on May 15, 2006 on crime statistics, the former Minister of the Interior Schäuble pointed out that fraud using debit cards without using the PIN procedure had increased dramatically in previous years ( 2003 : +59.9%; 2004 : +4, 8%) a sharp decrease (−28.8%) was noted for the first time in 2005. In addition to the increased use of the secure PIN procedure by retailers, this is also attributed to the introduction of the KUNO system.

The crime statistics of Germany for 2007 show a decrease of 30% in cases of fraud when using EC cards without a signature. The Federal Minister of the Interior attributes this to KUNO in addition to the increased control activities in retail.

criticism

The electronic direct debit is not considered SEPA- compliant. KUNO supports this process and thus extends the period of use in retail.

Web links

Individual evidence

  1. ↑ KUNO brushes off fraudsters Berliner Zeitung