TY JOUR TI KW «plastic money» KW preliminary inquiry KW the Bank of Russia KW skimming KW processing center KW transaction KW ATM machine KW POS-terminal KW plastic card holder KW customer’s complaint KW carding KW chip card JO Volgograd Academy of the Ministry of the Interior of Russia AU , .. AU , .. PY 2012 IS PB Volgograd Academy of the Ministry of Internal Affairs of Russia