This new ‘smart’ card may help fight fraud


To decrease the rate of card-not-present fraud, Oberthur Technologies recently introduced Motion Code, a credit card that randomly generates a new CVV every hour.

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Oberthur Technologies launches Motion Code credit card


In an attempt to decrease the rate of card-not-present (CNP) fraud, French digital security company Oberthur Technologies recently introduced Motion Code, a credit card that randomly generates a new card verification value (CVV) every hour.

Several efforts have been made in recent years to combat card-present fraud (unauthorized transactions made in a face-to-face setting), such as the introduction of EMV technology. However, with the continued rise of ecommerce around the globe, there is an increased need to provide better security for transactions where a merchant cannot physically verify a credit card. According to Oberthur Technologies, card-not-present transactions, such as purchases made online or over the phone, represent 65 percent of total card fraud.

Motion Code technology aims to curb the growing CNP fraud problem by replacing the static CVV on a card with a dynamic version. A CVV is a three- or four-digit number that helps verify the legitimacy of a credit card for CNP transactions. Depending on the card type, the CVV can appear on the front or back of the credit card, and may also be referred to as a card security code (CSC), card verification code (CVC), card code verification (CCV) or security panel code (SPC).

 In contrast to a card with a static CVV, the Motion Code card features a mini-screen on the back that displays the CVV and automatically refreshes it every hour. This adds an extra layer of security for the cardholder in the event that a computer hacker retrieves an online shopper’s credit card information and attempts to sell it on the dark web, or a thief steals an individual’s card number from a receipt in the trash. Without the most up-to-date CVV, the card becomes useless to the thief.

Shopping as usual

Powered by a thin lithium battery designed to last for three years, the Motion Code credit card provides a fully transparent experience for both the cardholder and the e-merchant. With no special plug-in to install on a browser and no button to press, a cardholder can continue to shop online as he or she would with a traditional credit card. Additionally, the e-merchant is not required to modify its website to include extra buttons or pop-up windows of any kind.

While Motion Code offers transparency and convenience, it also has its drawbacks. The card’s technology can only protect the user from phishing and cloning – not from physical card theft. Also, when shopping online, the cardholder must enter the randomly-generated CVV each time he or she makes an online purchase.

The Motion Code card is currently being tested in two financial institutions in France, as well as a bank in Poland. Oberthur Technologies expects to have the card in the hands of consumers in France by the end of this year.

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