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| Title: | 信用卡無卡交易詐欺之型態與策略
The Patterns and Strategies of Credit Card Card-Not-Present Frauds |
| Authors: | 陳師彥
Chen, Shih-Yen |
| Contributors: | 林士貴
Lin, Shih-Kuei
陳師彥
Chen, Shih-Yen |
| Keywords: | 信用卡詐欺
第一方詐欺
第三方詐欺
授權支付詐欺
Credit Card Fraud
First Party Fraud
Third Party Fraud
Authorized Push Payment Fraud |
| Date: | 2024 |
| Issue Date: | 2024-10-04 10:44:14 (UTC+8) |
| Abstract: | 隨著全球支付產業的快速發展和數位支付技術的普及，支付方式的多樣化帶 來了便捷與安全的交易體驗。然而隨著這些技術進步的同時也使信用卡詐欺交易 逐漸成為嚴重的問題。本研究探討目前信用卡無卡交易(Card-Not-Present，CNP) 詐欺的主要手法和類型，並針對這些詐欺手法，探索了現行防範措施和技術手段 的發展與限制。為了應對詐欺的手法變化，本研究將詐欺手法區分成第一方詐欺、 第三方詐欺及授權支付詐欺分別進行分析，由於詐欺手法上的差異，建議分別建 立不同的詐欺偵測模型，並建議建立信用卡詐欺相關數據的共享平台，以提升詐 欺偵測研究的進展。最後本實務報告研究參考歐盟及臺灣的防詐策略，提出建立 新型態的驗證資訊平台與政策上之建議，將詐欺者無法獲取或變更的資訊作為驗 證來源，並提出政策上的建議，阻止消費者因遭詐騙而持續提供驗證造成的困境。
As the global payment industry rapidly evolves and digital payment technologies become increasingly widespread, the diversification of payment methods has brought both convenience and secure transaction experiences. However, these technological advancements have also led to a significant rise in credit card fraud transactions. This study examines the main tactics and types of card-not-present (CNP) fraud currently in practice and explores the development and limitations of existing preventive measures and technological solutions. In response to the evolving types of fraud, this study categorizes fraudulent methods into First Party Fraud, Third Party Fraud, and Authorized Push Payment Fraud for detailed analysis. Due to the differences in fraud types, it is recommended to establish distinct fraud detection models for each type and to create a shared platform for credit card fraud-related data to enhance research progress in fraud detection. Finally, this practical report references anti-fraud strategies from the European Union and Taiwan, proposing the establishment of a new verification information platform and policy recommendations. The report suggests using information that fraudsters cannot obtain or alter as a source for verification and offers policy recommendations to prevent consumers from continuously providing verification, thus avoiding further complications caused by fraud. |
| Reference: | 中文參考文獻
1. 財團法人聯合信用卡處理中心(2023)，手機釣魚簡訊洩個資，信用卡遭綁 卡害慘持卡人
https://www.nccc.com.tw/wps/wcm/connect/zh/home/AboutNCCC/News/CNT_0
1_005_20230908094928
2. 財團法人聯合信用卡處理中心(2024)，Nilson Report - 第 1254 期摘譯
https://www.nccc.com.tw/wps/wcm/connect/f9b87734-310e-4083-af44- 7ec7895056e6/Nilson+Report_第 1254 期摘 譯.pdf?MOD=AJPERES&CACHEID=ROOTWORKSPACE-f9b87734-310e- 4083-af44-7ec7895056e6-oRzeAQC
英文參考文獻
1. Braithwaite, J., (2024). ‘Authorized Push Payment’ Bank Fraud: What Does an Effective Regulatory Response Look Like?, Journal of Financial Regulation, fjae006.
https://doi.org/10.1093/jfr/fjae006
2. Cybersource (2024). 2024 Global eCommerce Payments & Fraud Report. https://www.cybersource.com/content/dam/documents/campaign/fraud- report/global-fraud-report-2024.pdf
3. Chioma, V. A., & Mahmood, H. S. (2014). First party fraud: A review of the forms and motives of fraudulent consumer behaviours in e-tailing. International Journal of Retail & Distribution Management, 42(9), pp. 805-817. https://doi.org/10.1108/IJRDM-05-2013-0112
4. Cherif, A., Badhib, A., Ammar, H., Alshehri, S., Kalkatawi, M., and Imine, A. (2023). Credit card fraud detection in the era of disruptive technologies: A systematic review, Journal of King Saud University - Computer and Information Sciences, 35(1), pp. 145-174, ISSN 1319-1578. https://www.sciencedirect.com/science/article/pii/S1319157822004062
5. Dal Pozzolo, A., Boracchi, G., Caelen, O., Alippi, C., and Bontempi, G., (2018). Credit card fraud detection: A realistic modeling and a novel learning strategy. IEEE Transition Neural Networks Learning System, 29(8), pp. 3784-3797. https://ieeexplore.ieee.org/document/8038008
6. McKinsey & Company(2023). "The 2023 McKinsey Global Payments Report." https://www.mckinsey.com/industries/financial-services/our-insights/the-2023-
mckinsey-global-payments-report
7. Payment Systems Regulator(2023), Fighting authorised push payment scams:
final decision https://www.psr.org.uk/media/kwlgyzti/ps23-4-app-scams-policy-statement-dec- 2023.pdf
8. VISA(2023), Compelling Evidence 3.0 Merchant Readiness, https://usa.visa.com/content/dam/VCOM/regional/na/us/support- legal/documents/compelling-evidence-3.0-merchant-readiness-mar2023.pdf
中文網路資料
1. 中央通訊社(2024)，首季信用卡爭議款案件飆新高 98%與詐騙有關 https://www.cna.com.tw/news/afe/202405120032.aspx 最後瀏覽日:2024 年 8 月 4 日。
2. 金融監督管理委員會(2023)，金管會持續強化行動裝置綁定信用卡時之防盜 刷措施
https://www.fsc.gov.tw/ch/home.jsp?id=96&parentpath=0,2&mcustomize=news_ view.jsp&dataserno=202312010001&dtable=News
最後瀏覽日:2024 年 8 月 7 日。
3. 財團法人聯合信用卡處理中心(2024)，發卡機構通報詐欺交易型態之金額及 筆數
https://www.nccc.com.tw/wps/wcm/connect/zh/home/openinformation/FraudData /TwFraudData
最後瀏覽日:2024 年 8 月 3 日
英文網路資料
1. Chargebacks911(2022). The Credit Card Dispute Process Guide for Cardholders & Merchants
https://chargebacks911.com/credit-card-dispute/
最後瀏覽日:2024 年 8 月 4 日。
2. EMVCo, LLC. Why EMV®?(2024) https://www.emvco.com/why-emv/
最後瀏覽日:2024 年 8 月 1 日
3. EMVCo, LLC. What is EMV 3-D Secure (EMV 3DS)?(2024)
https://www.emvco.com/emv-technologies/3-d-secure/
最後瀏覽日:2024 年 8 月 4 日。
4. European Commission(2017), Payment Services Directive (PSD2): Regulatory
Technical Standards (RTS) enabling consumers to benefit from safer and more innovative electronic payments https://ec.europa.eu/commission/presscorner/detail/en/memo_17_4961 最後瀏覽日:2024 年 8 月 4 日。
5. European Commission ( 2023 ) , Payment services: revised rules to improve consumer protection and competition in electronic payments https://ec.europa.eu/commission/presscorner/detail/en/qanda_23_3544 最後瀏覽日:2024 年 8 月 4 日。
6. Kaggle(2019). IEEE-CIS Fraud Detection https://www.kaggle.com/c/ieee-fraud-detection/overview 最後瀏覽日:2024 年 8 月 6 日。
7. Kaggle(2021). Credit Card Fraud Detection https://www.kaggle.com/datasets/mlg-ulb/creditcardfraud/data 最後瀏覽日:2024 年 8 月 6 日。
8. Payment Systems Regulator (2024). Our work to prevent Authorised Push Payment (APP) fraud.
https://www.psr.org.uk/our-work/app-scams/
最後瀏覽日:2024 年 8 月 24 日。
9. SurePay B.V.(2024).About us https://surepay.nl/en/about-surepay/# 最後瀏覽日:2024 年 8 月 7 日。
10. VISA(2022)，What every merchant needs to know about friendly fraud https://usa.visa.com/visa-everywhere/blog/bdp/2022/06/15/what-every-merchant- 1655330664445.html
最後瀏覽日:2024 年 8 月 3 日。 |
| Description: | 碩士
國立政治大學
國際金融碩士學位學程
111ZB1086 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G0111ZB1086 |
| Data Type: | thesis |
| Appears in Collections: | [國際金融碩士學位學程] 學位論文
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| 108601.pdf | | 1667Kb | Adobe PDF | 1 | View/Open |
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