- 6 Credit Card Security Don’ts
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- Common Credit Card Security Features
Credit Card Security: 9 Do’s and Don’ts for Avoiding Identity Theft :
There are many ways you can reinforce security through design. Inside the Invoice by Wave iPhone app, we initially implemented a native credit card form, that was based on the single line input design pattern. Log out after every transaction: To check if the request is legitimate, contact the organization via its published phone number or secure messaging system.
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That means you could be sending your credit card number or other personal information right into the waiting hands of an identity thief. Would you mind verifying your credit card number? To check if the request is legitimate, contact the organization via its published phone number or secure messaging system. Any time you write or type your credit card number and give it to someone in an unsecured, unencrypted manner including on a piece of paper , you increase your risk of exposure.
Some businesses, including vacation home websites, ask to hold your credit card number as a sort of deposit or guarantee. If you recite that information out loud, anyone in earshot will be able to use it — so avoid making these calls in public places. For example, look at the picture below: Though the woman soon realized her mistake and deleted the image, it lives on in internet infamy. When it comes to pictures, some people feel safe when they cover the first eight digits of their card.
Others obscure the last eight. Take the picture below. An enterprising thief could easily figure out what they are. Change your passwords regularly: Log out after every transaction: Web browsers will often store your credit card information for you. Sign Up for Additional Protections Some credit card networks and issuers offer additional protections to online shoppers. You can sign up for Mastercard Secure Code , for example, which will ask you for a six-digit code when you make a purchase.
They work behind the scenes while you shop, occasionally asking you to provide verification for suspicious transactions. Sometimes this is as simple as replying to a text message. The user simply has to type in the numbers as they appear on the credit card. This also prevents the user from having to think of the actual month e.
Because this input requires a particular format for the date, we included placeholder text inside the input. We limit the input value to numbers only, so if a user does type a forward slash, it is not registered. After the month is entered, the slash is automatically appended.
The problem is that this code suffers severely from non-standardized naming. What should we call it? Every card brand has its own naming convention: Card verification data Card verification code Card code verification Nuts, right? We wanted to stay away from them, but still indicate to the user that this code is all about security. Next, a security code can be 4 digits American Express, on the front of the card or 3 digits every other brand, on the back of the card.
To help the user determine which code they need to enter, and where to find it, we included a visual tooltip. The tooltip has 3 states: If the user has not yet entered a card number, the tooltip shows both options available.
If the user has entered an American Express card, the tooltip indicates a 4-digit code on the front. If the user has entered any other card, the tooltip indicates a 3-digit code on the back. There is a trade-off here: We realized that users may enter the ZIP code associated with their personal address, instead of the code associated with their cards.
In Canada, zip codes contain letters, and spaces too. We restricted the input field to a max character count of How do I trust the website behind this form? Are they just spoofing my card details? There are many ways you can reinforce security through design. Some options we considered included: Add a security badge below the form, but we felt badges distract from a clean aesthetic, and from the overall brand of the page.
Given the existing mental model of paying with credit cards online, we felt the presence of one lock icon was sufficient. The design solution was to add a lock icon inside the Pay button. The position of the icon is key, because it reinforces security at the critical point: Once the user is ready to pay, they click the Pay button. We make a server request, and assuming an error-free state, we display a success message. Yes, it can be tedious at times. Yes, there are endless ways to design errors.
But when done right, error handling can turn an ambiguous interaction into a clear one. There are two general categories of error validation in Internet software: Client-side validation Client-side errors are caught before a request is sent to to the server. These errors are typically caused by formatting errors in the data, or missing data.
To make things interesting, you can validate client-side input in different ways. The After method displays an error message after the user has indicated that she is done answering a question by moving on to the next one. They can tab on their keyboard and move to the next input, and come back later to fix any errors shown.