Would Motion Code Protection Against Credit Card Fraud Increase Check Fraud?

A French digital payment security company called Oberthur Technologies (OT) thinks it can pretty much eliminate credit card fraud with a new technology it calls Motion Code.

What’s Motion Code? It’s basically a means of changing static CVVs to dynamic CVVs, changing every hour. If a bad guy gets your card, it would only be useful for a few hours before the CVV becomes useless and the shopping spree is effectively over. There is actually a digital display on the back of the card that changes the CVV as needed.

Instead of a CVV printed on the back of a bank card, the Motion Code CVV would be displayed on an e-paper “mini-screen.” The security code would automatically refresh to some random security code every hour. That time is not set in stone. OT noted that whoever issues the card could set the CVV refresh time to any time value. In the video below, the company suggested the security code could change automatically every 30 to 40 minutes.

The consumer does nothing different, simply enters the ephemeral security code when making online purchases. Ecommerce sites also don’t need to make any changes to accept payment via cards with Motion Code technology.

In all other ways. says OT, their card is like any other card in circulation – despite its built-in digital display, you can put it through the wash and drop it over and over again without damage.

In spite of OT’s claims and their impressive video (above), many remain unconvinced. OT would definitely require a major adoption phase which is no easy task.  And there is competition from the smartphone vendors, who would prefer to push payments in that direction.

As far as we’re concerned, it would be another opportunity. EMV adoption in CC devices seems to have moved fraudsters back toward the check payment, as many banks are claiming higher fraud attempts. This is a great challenge for Orbograph, and we intend on meeting the needs in the check fraud market with advanced capabilities!

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