Misuse of Contactless Payment Cards with Radio-Frequency Identification



Counterfeiting of means of payment is one of European crimes. The Treaty on the Functioning of the European Union lists counterfeiting of means of payment as one of the areas of particularly serious crime with a cross-border dimension. At the European Union level a brand-new legislative instrument harmonising counterfeiting of means of payment has been adopted – the Directive (EU) 2019/713 on combating fraud and counterfeiting of non-cash means of payment. This Directive establishes minimum rules concerning the definition of criminal offences and sanctions in the areas of fraud and counterfeiting of non-cash means of payment. Moreover, it facilitates the prevention of such offences, and the provision of assistance to and support for victims. The Directive is addressed to the Member States of the European Union. They shall bring into force the laws, regulations and administrative provisions necessary to comply with this Directive by 31st May 2021.

The contribution deals with criminalisation of the misuse of contactless payment cards with Radio-Frequency Identification (RFID) technology. It is divided into three sections. The first section focuses on definition of Radio-Frequency Identification and payment cards with Radio-Frequency Identification. The second section focuses in detail on a new European Union approach to combat counterfeiting of means of payment addressed to its Member States – i.e. the Directive (EU) 2019/713 on combating fraud and counterfeiting of non-cash means of payment. The last third section is focused on non-legislative prevention possibilities.

Criminal Offences; Criminalisation; Directive (EU) 2019/713 on Combating Fraud and Counterfeiting of Non-Cash Means of Payment; Payment Cards with Radio-Frequency Identification; Prevention; Radio-Frequency Identification (RFID); Sanctions

p. 259–274
Author biography

Libor Klimek

Associate Professor, director

doc. JUDr. et PhDr. mult. Libor Klimek, PhD.

Associate Professor (docent) at the Department of Criminal Law, Criminology, Criminalistics and Forensic Disciplines, director of the Criminology and Criminalistics Research Centre at the Faculty of Law, Matej Bel University, Banská Bystrica, Slovak Republic. Visiting Professor at the Faculty of Law, Leipzig University, Germany. National expert for criminal law at the Institute of Legal Sciences at the Polish Academy of Sciences in Warsaw, Poland.
Author of publishing houses Springer and Wolters Kluwer. Author and member of editorial boards of legal journals EU Law Journal and Štát a právo (State and Law). He has published over 150 publications and has over 200 citations in many States – in works published by, for example, Oxford University Press, Cambridge University Press, Wolters Kluwer, Springer, Hart Publishing, Intersentia, T.M.C. Asser Press. He has been cited also by the European parliament and Advocate General of the Court of Justice of the EU in case C-268/17 – AY.


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