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Pat Carroll

Pat Carroll Founder/Executive Chairman at ValidSoft

What's really mind-boggling about the NY card-skimming fraud

News that 111 people were arrested last week in New York in a US$13 million card fraud scam was a useful reminder of just how easy it still is to skim credit card details in the US. NYPD Commissioner Raymond Kelly was quoted as saying: “Thieves have an amazing knowledge of how to use technology . . . The schemes and the imagination that is develop...

/security Innovation in Financial Services

Pat Carroll

Pat Carroll Founder/Executive Chairman at ValidSoft

Katie Price's plight highlights fraud dangers

The credit card industry has certainly been in the news this week. First David Cameron nearly suggested that British consumers should pay down their credit cards – before his speech was hastily rewritten against a backdrop of weak retail sales. Then Katie Price aka Jordan – a “professional personality” – was the victim of card fraud, making headlin...

/security Innovation in Financial Services

Pat Carroll

Pat Carroll Founder/Executive Chairman at ValidSoft

Social media, the fraudster's friend?

There is a growing number of examples of fraudsters using social media to extract personal information from customers. A recent case hit the Bank of Melbourne, when fraudsters sent direct messages with a link aiming to harvest users' Twitter credentials (Finextra Sept 16 2011). One of the problems for the security industry is that on social media...

/security /payments Innovation in Financial Services

Pat Carroll

Pat Carroll Founder/Executive Chairman at ValidSoft

Problem, what problem?

It’s amazing. Zeus malware is now affecting 60,000–100,000 unique Windows computers a month, according to Microsoft. But more amazing – at least to me – is how many people aren’t aware of the problem. Speaking about payments security at a recent event, I was struck by the fact that many company executives in the audience were unaware of the sheer s...

/security Online Banking

Pat Carroll

Pat Carroll Founder/Executive Chairman at ValidSoft

When is a bank not a bank?

Increasingly the answer is “when it’s a telephone company”. Last week’s news that Canadian telco Rogers had filed for a banking licence was just the latest example of the competition between banking and mobile telephony. Rogers, which controls 36% of the Canadian mobile markets, has filed with the Canadian federal government to open a bank, and the...

/security Innovation in Financial Services

Pat Carroll

Pat Carroll Founder/Executive Chairman at ValidSoft

Catch the crooks or stop the fraud?

Every time that a fraud hits the headlines there is naturally a huge focus on how the crooks got hold of all those personal banking details – this Finextra story is a good example. But there is often less attention given to how they were then able to use the customer details to extract money from customers bank accounts. Take card cloning. Of cours...

/security Innovation in Financial Services

Pat Carroll

Pat Carroll Founder/Executive Chairman at ValidSoft

Putting security at the centre of customer service

On September 12 the UK’s Independent Commission on Banking (ICB) is due to make its final report. Most observers expect the Commission to recommend a much bigger differentiation between commercial/retail banking on one hand, and investment banking on the other. That will put “banking” back in the dock and trigger another round of debate, complaint...

/security /retail Innovation in Financial Services

Pat Carroll

Pat Carroll Founder/Executive Chairman at ValidSoft

Time for the EU to step up on data security

European data privacy laws are arguably the most stringent in the world. That should be great news for companies that meet them when those companies come to offer their services around the world. And that is why my company went through the complex process of applying for a Privacy Seal from EuroPriSe. We wanted to say that our product met a tough

/security Innovation in Financial Services

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