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Credit Card Electronic Payment Cards Electronic Crimes Lawyer Dubai Abu Dhabi UAE Cyber Crime Law how to report cyber crime in uae cyber law cybercrime cases complaint in federal law debit card purchases bank account crimes WhatsApp: +971555570005
Credit Card Electronic Payment Cards Electronic Crimes
The electronic payment services are considered one of the modern and creative methods to save the time and the effort of the bank clients, whereas this service allow them through the payment cards to buy or pay the dues of the electronic services.
The electronic payment methods vary between plastic cards, electronic money and smart cards, and types of plastic cards there is a credit card, debit card, ATM card and others.
As for the Debit Card, the money used in purchases through the debit card is not directly deducted from the bank account, However the money shall be deducted from the amount of money paid by the card supplier. The deducted amount is paid once a month, and the user can pay the entire amount of cash or parts with bank interest. The card is like a loan that a person can use and then pay back
All measures must be taken to protect the credit card from the receipt of the same card through the use of shopping through shops or telephone or online and avoid many of the mistakes that allow theft of data card and falsification later.
All measures must be taken to protect the credit card starting from the receipt of the card through the use of shopping through shops, telephone, online and avoid many of the mistakes that allow theft of data card and the falsification thereof
The ATM card allows the holder to access the ATMs and the associated banking networks, the entry of the PIN and perform the transactions such as withdrawal, cash deposit, transfer of funds between different accounts and even the payment of certain invoices. The ATM card holder had to save his personal PIN number, and not to write it on the same card or on paper in the wallet and avoid the selection of an easy number such as date of birth or phone number and to change it in case of the selection of such numbers.
However, the Forgers have always been able to use new methods to trick online bank customers and cardholders by urging them to disclose their confidential financial information via e-mail or counterfeit web pages as if it was issued by legal sources or from the same bank, and it requests from the customer to provide his personal data, such as his card number, or information about his bank account and password.
In order to limit these crimes, UAE Federal Law No. 5 of 2012 on combating cybercrimes states in Article 12 referred to the crime of using the Internet or electronic information system to obtain credit card data as follows;
“Shall be punished by imprisonment and a fine or either of these two penalties whoever gains access, without legal right, to credit or electronic card numbers or data or to bank accounts numbers or data or any other electronic payment method by using the computer network or an electronic information system or any information technology means.
The punishment shall be imprisonment for a period of at least six months and a fine not less than one hundred thousand dirhams and not in excess of three hundred thousand dirhams or either of these two penalties, if it is intended to use these data and numbers to take over the funds of others of to benefit from the services which they provide.
If he has reached to take over the funds of others whether for himself or for others, he shall be punished by imprisonment for a period of at least one year, and a fine not less than two hundred thousand dirhams and not exceeding one million dirhams or either of these two penalties.
Shall be punished with the same penalty specified in the preceding paragraph, whoever publishes or re-publishes credit or electronic card numbers or data or bank accounts numbers of data which belong to others or any other electronic payment method”
The mechanism used by forgers to forge a credit card, i.e., is to print a copy of the card with the same information stored on the original magnetic card tape, is a mechanism that uses the original card reader to record all the data passing through it, often accompanied by a forged keypad or Video camera to record the secret code of each card, and thus allow the forger to get the information and card number and create fake copies identical to the original.
The law criminalizes all those who commit such acts. As states in Article 13 which defines the penalty of fraud, fake, reproduce or use without the credit or ATM card unlawfully, as follows:
“Shall be punished by imprisonment and a fine not less than five hundred thousand dirhams and not exceeding two million dirhams or either of these two penalties whoever forges, counterfeits or reproduces a credit card or debit card or any other electronic payment method by using any information technology means or computer program.
Shall be punished by the same penalty whoever:
1- Manufactures or designs any information technology means or computer program for the purpose of facilitating any of the acts specified in paragraph 1 of this Article.
2- Uses, without authorization, a credit or electronic card or debit card or any other electronic payment method aiming to obtain, whether for himself or for others, the funds or properties of others or benefit from the services provided by third parties.
3- Accepts to deal with these forged, counterfeited, reproduced cards or other electronic payment method with his knowledge of its illegality.”
It is necessary to note that one of the fundamentals of secure online purchasing is to use the Safe Search system when shopping for an online card and not to disclose the PIN or any other details except when conducting a reliable purchase.
The development of electronic payment methods has been an economic indicator of the currency’s operation and activity.
That encouraged the banks to develop and modernize old and traditional payment methods which are no longer has an important effect in the current era, which depends on the speed in completing transactions. Where the Emirate Legislator was very keen to Protect citizens against the crimes of the unauthorized access to information of the electronic payment card, where the deterrent laws are issued for anyone who makes or contributes to the fraud and use of these cards to obtain the funds of others or to benefit from these services.