About some applied aspects of fraud using electronic means of payment

With the development of scientific and technological progress, the information environment inevitably expands and gradually begins to cover almost all areas of modern life, including commodity-money relations, and the market economy. Currently, more and more transactions are paid by the parties with Deposit or credit cards, or contactless payment method, as well as using mobile devices with pre-installed software. For example, on the Android and IOS operating systems for smartphones, tablets and watches, software is installed that allows you to bring your mobile device to the cash register reader to pay for goods and services. At the same time, it is important to note that fraudulent actions using electronic means of payment do not remain on the sidelines, trying to develop and keep up with the information and computing environment of a modern, all-round developed society. The latest trend in modern society is the improvement of forms and types of theft, the subject of which are Bankcards, e-wallets and other electronic payment systems, among which the leadership belongs to fraud. Recently, the Bank of Russia has recorded a sharp rise in unauthorized transactions with Bank customers ‘ accounts. In the vast majority of cases, they occur through spoofed phone numbers using social engineering. Therefore, the problem of personal security and protection of individual data remains an urgent problem today. An increasing number of people are involved in fraudulent schemes, and the number of victims from less protected segments of the population - pensioners-is growing. This issue has long been debated in scientific circles and as a result requires further research.