自發展塑膠貨幣以來，信用卡的詐欺、盜刷，向來是造成發卡銀行重大損失的風險之一，不僅是當前社會的地下經濟犯罪問題，同時在全球化的過程中，盜刷集團也逐漸發展出跨國分工的犯罪模式，各國發卡銀行在防制信用卡詐欺的策略上，不得不隨之求新求變，以因應盜刷集團詭譎多變的犯罪手法。
在管理詐騙生命週期理論中，偵測是其中極為重要的環節。本篇研究，即是針對如何提升發卡銀行的信用卡詐欺交易偵測效率進行相關研究，藉由相關文獻探討及實務經驗，以歷史資料分析方式，找出影響信用卡詐欺交易偵測效率之因素，來檢視詐欺風險管控措施的成效，同時提供建議，希望找出信用卡詐欺風險偵測之最佳化模式，俾以提升發卡銀行信用卡詐欺交易偵測效率。
本篇研究結果，首先證實在符合筆者所提出的效益/成本的模式下，發送交易警示簡訊，有助於偽卡偵測效率的提升。再者，偵測人員的資歷越深，其偵測效率越高。最後，銀行詐欺交易資訊的交流越密集，越有助於「側錄盜刷」類的詐欺交易偵測效率。
本研究目的除了提出建議以協助銀行減少損失外，盼能藉以喚起社會各界對信用卡詐欺問題之重視，期能遏止當前社會，乃至於國際間信用卡詐欺問題。 / The fraud of credit card usage has caused significant losses in worldwide issuing banks. The fraud syndicates have developed cross-boarder fraudulent activities along with global patners, which not only impacts worldwide economy, but also challenges the strategies initiated by all issuers.
Due to the sophistication of the credit card process, experienced people and informative message are required elements to optimize the fraud detection process. The study attempts to analyze those major factors effecting credit card fraud detection process by adapting empirical analysis method on two real cases.
Major findings are: 1) under a careful cost and benefit calculation, the more the SMS message sending, the higher the fraud detection rate, 2) the more the experience of detectors, the more effective the performance of the detection, and 3) the more the information shared across issuing banks, the higher the detection rate achieved for fraud skimming.
In addition to the optimization of current fraud detection operation, the study is planned to draw public's attention on the serious credit card fraud issue. It is hoped that the attack level of credit card fraud could be mitigated effectively by taking recommendations made by this study.
| Identifer | oai:union.ndltd.org:CHENGCHI/G0095932308 |
| Creators | 葉慶信, Yeh,Ching Hsin |
| Publisher | 國立政治大學 |
| Source Sets | National Chengchi University Libraries |
| Language | 中文 |
| Detected Language | English |
| Type | text |
| Rights | Copyright © nccu library on behalf of the copyright holders |
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