In addition to the above services, KBank offers a service that permits users to receive an SMS message that details any change in account balance and/or point-of-sale (POS) transaction with your debit card.   I really like this service and the feeling of security knowing when, where and by how much my balance changes or my debit card is used in a transaction.    The KBank POS SMS notification is so fast that when I present my card to a merchant I normally receive an SMS message detailing the transaction before the merchant returns for my signature.  (There is an unfortunate lag in the balance change notification that can run minutes to hours behind real-time, but the POS VISA debit card notification is real-time).

As the story goes,  I should have been using my KBank card and account a few weeks ago and not my US-based VISA debit dard.  Why?

My US-based VISA debit card was cloned sometime on or before August 8th.   I am really careful with this card, so I was surprised the magnetic strip was cloned at a POS merchant.   The fraudster made 7 fraudulent transactions beginning on August 8th for a total of around $2500 USD, mostly on August 11th, before I discovered the fraudulent transactions viewing my account on-line.

This would not have happened with KBank SMS-based transaction notification services.

The first transaction with my cloned VISA debit card was less than $50 USD (I assume the fraudster was “testing the water”).   If I was using my KBank card, I would have received an immediate SMS message detailing a POS transaction in Bangkok when I was physically far away from Bangkok in Chiang Mai.   I could have immediately called the bank (or logged in) and blocked the debit card, limiting potential losses to the bank or the merchant to one fraudulent transaction, not seven.

In addition, KBank offers what they call a Web-Shopping VISA card, where you can go into your on-line account (verified by SMS OTP as mentioned) and request a VISA debit card number (with expiration date, CCV etc).   You set the limit from 0 to 500,000 THB (Thai Baht) per day; and you can login to your account and change this anytime (authenticating your transaction with another SMS-based OTP). You can also block or cancel this number anytime and apply for another one.

I am amazed that in Thailand I receive much better anti-fraud prevention and detection services than with banks in the US.   I know of no bank or brokerage in the US that offers the same quality of service and security as KBank in Thailand.  

The trick to doing this is not to hardcode things like host, port, etc. for your SMTP server when you use System.Net.Mail to send mail. Instead, use the default ctor for SmtpClient as I've done in the code below.

static void Main(string[] args)
{
    // note the use of the MailAddress class
    // this allows me to specify display names as well as email addresses
    MailAddress from = new MailAddress("admin@fabrikam.com", "Fabrikam Website");
    MailAddress to = new MailAddress("mari@fabrikam.com", "Mari Joyce");

    MailMessage msg = new MailMessage(from, to);
    msg.Subject  = "Testing 123";
    msg.Body = "This is only a test!";

    // note use of default ctor
    // this looks in config to figure out how to send mail
    new SmtpClient().Send(msg);
}

What you're telling .NET by using the default ctor for SmtpClient is, "please use my config file to figure out how to send mail". Now you can use the system.net/mailSettings/smtp section in config to specify the details of your mail server, and all of the code in your app that is written to use the default SmtpClient ctor will inherit these settings. Here's an example of what the config on a production server might look like (if you put passwords in your config files, be sure to encrypt those sections):

<configuration>
  <system.net>
    <mailSettings>
      <smtp deliveryMethod="Network">
        <network host="mail.fabrikam.com"
                 port="25"
                 userName="WebsiteMailAccount"
                 password="whatever"/>
      </smtp>
    </mailSettings>
  </system.net>
</configuration>

During development, I use different settings because I don't usually want to deal with the hassle of installing an SMTP server on my development box. Instead, I want email messages delivered as individual files in a directory on my hard drive (I always have a c:\mail directory on my development box for just this purpose):

<configuration>
  <system.net>
    <mailSettings>
      <smtp deliveryMethod="SpecifiedPickupDirectory">
        <specifiedPickupDirectory pickupDirectoryLocation="c:\mail"/>
      </smtp>
    </mailSettings>
  </system.net>
</configuration>

Now when I run the program above, I get a .EML file in my c:\mail directory:

Outlook Express is normally registered as the viewer for .EML files, so double-click the file to view it:

If you've never seen this method of simulating email before, I hope you find it as useful as I have. Happy coding!