Santrauka. Atsiskaitymø mokëjimo kortelëmis saugumas aktuali problema visame pasaulyje, ne iðimtis ir Lietuva. Straipsnyje nagrinëjama atsiskaitymø mokëjimo kortelëmis sistema ávairiose Europos valstybëse, neskaidant jos á bankø grupes. Tyrimo rezultatai apibûdina esminius atsiskaitymø mokëjimo kortelëmis sistemos saugumo trûkumus Europos ir pasauliniu mastu. Pagrindinëmis nusikaltimø su kortelëmis problemomis Europoje iðlieka korteliø klastotës (34 proc. visø nusikaltimø), pamesta ar pavogta kortelë (28 proc. visø nusikaltimø) ir niekada negauta kortelë (27 proc. visø nusikaltimø su kortelëmis).Reikðminiai þodþiai: paþeidþiamumo lygis, saugumo spragos, nusikaltimø su kortelëmis rodikliai, statistika, korteliø klastotës. Abstract. In the article the payment card problems are connected with a gap and damage in the security system. The main purpose of the article is to evaluate security level of the payment card system and find its security gap and damage. Tasks of the article are as follows: to evaluate the damage level of the payment card system for the card system members, to measure the payment card security features, security of the work organization and systems, to examine and evaluate the merits and demerits of security models used in European Banks, to propose the solution how to minimize the damage in payment card system. The Method of research: analysis of nonfiction, continuous census of fraud cases, information analysis using statistical methods, comparative analysis, experts opinion, analysis of material of case investigation and reports, analysis according to the dominating fraud types and indicators, document process analysis. The articles research shows the weakness of physical card security features, nonsecure customer financial -credit possibility and card parameters management, outworn equipment and methods of system analysis and monitoring, the lack of cooperation between the members of the payment card system. The big part of indicated demerits could be covered by migrating to the new card system and equipment. In addition, it was proposed to create the co-operation schemes between system members and third party service providers, to set the loyalty programme for the merchants and police, to introduce more secure authorisation system modules.
A GAP AND DAMAGE IN THE SECURITY OF PAYMENT CARDSKeywords: the level of disturbance, gap of security, indices of crime with payment cards, statistics, falsification of cards.