24/7 service
Our Customer Service it's always available to respond to reports and block or unblock cards. You can also do this with complete autonomy from the BKN301 app or our website.
Legal protection
We store data in compliance with the highest industry standards: we are the only Institute in the Republic of San Marino certified as Payment Card Industry Data Security Standard (PCI-DSS).
Systems control
We continuously monitor and update our systems.
Device localization
We track and identify the devices you log in or set passwords from. If the device is unknown to us or otherwise different from the last one you used, we will notify you immediately by email.
Latest anti-fraud technologies
We verify your identity through SCA, the multi-factor personal authentication protocol. We prevent card cloning through the Chip&PIN technology.
Absolute privacy
We do not store any personal data in our systems, nor do we ask you to send card numbers or passwords. In no case, in any way.
Secret data protection
The card details are private: title, number, expiration date, CVV code, passwords, PIN and PAN codes, and access credentials. Do not write them, do not dictate them. Please do not share them with anybody (not even in a photo) on any means of.
Verify communications
Don’t trust intrusive phone calls, unknown contacts, weird web addresses or emails, vague or otherwise poorly written messages.
Finance control
Check your statement. If you notice anything strange, please let us know immediately.
Information
Follow the guidelines we publish on our website www.bkn301.sm or our official social media channels. They'll help you recognize a scam attempt at a glance.
Paper and documents
Carefully guard each card. Keep it separate from its welcome letter and any information about it. Keep all the records in a physical and confidential place.
Blocking and reporting
Block the card and report it to the police if it gets stolen or lost.
Secure passwords
Create hard-to-guess passwords. They must not refer to your other strictly personal information: address, part of the social security number, or dates of birth. Always choose very different passwords for different online services or stores, and change.
App notifications
Activate the app notifications: we use them to communicate precisely when your card is used, even for very low-value transactions. This way, you can check both the success of your purchase and recognize your expenses.
Reliable sites
Use your card only on trustworthy and well-known websites and e-commerce sites, marked as protected or safe: always check the authenticity of the web address in the navigation bar.
Fishy text messages
Delete the SMS or ignore it. Do not click any links contained in the text. Do not click any virtual buttons in the text, and do not fill in any forms. It could be Smishing.
Fishy emails
Delete the email or ignore it. Please do not click on any link or virtual button contained in it. Do not submit it, do not fill in any form. It could be phishing.
Fishy incoming calls
Always check the number of incoming calls. Our Customer/Anti-fraud Service only calls from +39 02 668978: save that in your contact list. Remember, the only data we could ask you over the phone is your date of birth. So if someone solicits other.
If you have any doubts, you can always contact us: call +378 0549 943886 or email info@bkn301.sm.
Phishing
Phishing: a standard method of scam and digital fraud. It is designed to steal money or personal identities via email or phone calls that reproduce familiar or captivating messages and/or situations. In general, the victim immediately transfers their data (card numbers,passwords to access restricted areas, etc.) by clicking on a link or filling in fake contact forms explicitly created for the scam, or verbally.
Smishing (SMS + phishing)
A form of phishing that attacks through mobile devices, via text messages.
SCA (Strong Customer Authentication)
A required method for recognizing and authenticating the person holding the card. It works with the combination of three personal factors:
PCI DSS (Payment Card Industry Data Security Standards)
Standard protocol that includes very high-security requirements mandatory for all companies that process credit card data. It guarantees full protection for people and banks in the digital age. It was founded by Visa, Mastercard, American Express, Discover, and JCB.
PIN (Personal Identification Number)
Short personal and secret numeric code assigned to the card. It allows you to withdraw from ATMs and replaces the signature at the time of payment.
PAN (Primary Account Number)
Card identification number. It generally has 16 digits shown on the front of the card.
CVV o CVC (Card Validation Value o Card Verification Code)
A 3-digit numeric code located on the back of the cards.
Chip&PIN (Chip and PIN)
Card payment protection technology. The silicon chip embedded in the card substitutes the magnetic strips; the PIN code replaces the signature. These systems protect each transaction and the cards from unlawful acts like duplication.