Beat the Cybercriminals with the Da Vinci Choice Card

24 April 2018

As more and more of us are embracing the convenience of shopping online, cybercrime has now become the most common crime in the UK – only the Da Vinci Choice card can offer consumers the protection they need.

More than five million cyber offences occur across the country every single year, and almost one in ten people have fallen victim, according to data from the Crime Survey of England and Wales (CSEW).

the Crime Survey of England and Wales (CSEW)

(Image source: telegraph.co.uk)

The number of reported cases is getting higher every year, placing every single one of us at risk each time we make a purchase online.

How Cybercriminals Work

Cybercrime is big business. The latest figures from UK Finance reveal that fraudsters made off with more than half a billion (£566 million) of our hard-earned money last year.   

The question is – how do the cybercriminals do it?

The vast majority of cybercrime comes from ecommerce fraud – also known as payment fraud – terms that describe any type of false or illegal transaction completed online by a cybercriminal.

In order to make these fraudulent transactions, cybercriminals must first gain access to – i.e. steal – genuine credit card information from legitimate consumers like you and me, and then use those details to make illicit purchases. This is known as identity theft, and it is a big problem for online consumers.

Identity Theft

With identity theft, it is the goal of the cybercriminal to carry out online transactions using an identity that is not their own. Since coming up with a completely new identity is a very difficult and complex thing to do, their solution is simply to take over an existing one.

However, in order to appropriate someone’s identity, the fraudsters need personal information – names, addresses, email addresses, and, crucially, credit or debit card information.

With these details in-hand, it’s incredibly easy for the cybercriminal to order items online and pay for them using the stolen credit card information, or by debiting someone else’s account.

Finding out someone’s name, address, and even email address is simple enough in the age of social media – but how do cybercriminals acquire someone’s credit card, debit card, or account information?

Phishing, Pharming, and Fake Online Stores

How do you know the online store you’re purchasing from is the real deal?

The chances are, you rarely even think about it. If there’s an item you want to buy, you Google it, browse around for the best price, head to the website and make the purchase.

However, cybercriminals have learned that they can exploit complacent internet shoppers by setting up fake online storefronts. Often, these sham stores will tempt buyers by offering high-value goods at extremely low prices. But here’s the thing – they’re not really selling anything. Instead, they simply bait shoppers into making false purchases using their credit card information, which the cybercriminals then use to make their own fraudulent purchases from other sites around the web.

Another way online fraudsters procure credit card information is through phishing.

This is when the victim receives an email purporting to be from a recognised entity – such as their bank, or a site like Amazon or eBay. These emails usually look like the real thing and contain all the usual contact information and logos that you would expect to see.

However, once again, the purpose of these emails is simply to trick the victim into handing over their account details or credit card information. The email will often contain a link, which will either direct the recipient to a fraudulent website where the cybercriminal will then attempt to extract the details they need, or otherwise initiate a download of malware onto the victim’s computer – at which point a tactic known as pharming may commence.

Pharming is a variation of phishing, though rather than using emails to lure people to fake websites, the technique instead uses malware to do the job. The malware forces the user to the fraudulent site – often without them knowing – which, again, is designed solely to trick the victim into handing over their sensitive information.

The Da Vinci Choice Card – Keeping You Safe When Shopping Online

The only way consumers can ever be 100% sure that they’re not going to have their credit and debit card details stolen when making purchases online is to stop handing them over in the first place.

But how can this be possible? How can consumers make online purchases on a credit card without revealing its details?

The answer is by using the Da Vinci Choice card.

The Da Vinci Choice card looks and feels exactly like a regular funding card but is in fact much more. Embedded with its own battery, eInk display, numerical touch keypad, microprocessor and supporting electronic components, the Da Vinci Choice card is a highly sophisticated electronic payment device.

The problem with credit and debit cards is that they have static three-digit security codes printed on the back, which users are asked for when they make an online purchase. This means that as soon as a cybercriminal has the code and the card owner’s personal details, they are able to use those details as much as they like to make fraudulent purchases elsewhere on the web.

But with the Da Vinci Choice card, this simply isn’t possible.

This is because Da Vinci allows users to link up to eight of their existing funding cards to the Da Vinci Choice card, any of which can then be used to simultaneously fund the Da Vinci Choice card as it’s used to make online payments. However, the Da Vinci Choice card is packed with enhanced security and payment protection features, which makes it impossible to copy or clone, and prevents the user from ever having to reveal their actual payment card details when making purchases online.

There is no static security code or month of expiry printed on the back of the Da Vinci Choice card. Instead, users simply key in their secret four-digit Da Vinci PIN into the back of the Da Vinci Choice card itself, and the card then displays a one-time, two-digit code that can be used as the card’s month of expiry, followed by a one-time, three-digit code that’s used in place of the security code. 

These codes are single-use only. This means that they cannot be reused, rendering them of absolutely zero value should they be revealed to a fraudster.

Here’s a short video so you can see exactly how it works.

(Video source: youtube.com)

Beat the Cybercriminals with the Da Vinci Choice Card

Cybercriminals have had it too easy for too long. The Da Vinci Choice card is the solution.

One-time security codes and date of expiry codes mean that you never have to hand over your funding cards’ actual details when shopping online ever again. Without these, identity theft cannot take place, and so long as you never reveal your secret Da Vinci PIN to anyone, you’ll beat the cybercriminals at every turn.

Launching in 2018, start enjoying secure, fret-free online shopping and register for your Da Vinci Choice card today. 

Written by: Simon Hewitt, CEO,

Simon founded Da Vinci based on his passion and expertise in the information and financial security. As a leader in his field, he loves to write about his observations in order to help progress the industry as a whole.