Illegal gaining of cash from a card account with a forged or stolen payment card. Illegal payment from a card account at a trade-service network using a forged, lost or stolen payment card. Illegal payment/money transfer on the internet using fake websites, mailings, malicious software (phishing, farming). Illegal payment/money transfer in the Privat24 system by means of an unlawful access to a financial telephone number or by using phishing sites. Illegal payment/money transfer or gaining cash from a card account without having the corresponding payment card by an unlawful access to a financial telephone number. Phone scams (vishing) – making illegal transactions on a card account using the data about the card obtained by the third parties through misleading actions.