| 网络信用卡欺诈的防范 |
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| 引用本文： | 董桥梁,杨年.网络信用卡欺诈的防范[J].绵阳师范学院学报,2007,26(2):128-132. |
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| 作者姓名： | 董桥梁 杨年 |
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| 作者单位： | 重庆通信学院地管部信息管理教研中心,重庆,400035 |
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| 摘 要： | 随着我国金融信息化建设的进展,消费者对网络信用卡应用的需求在最近几年内快速地增长,但是该领域存在许多信用卡欺诈行为。本文着重探讨消费者使用金融网络产品中存在的信用卡欺诈问题。与传统交易相比,在此类产品中进行的信用卡交易欺诈容易发生,却更难查明原因和恢复数据。通过分析网络信用卡欺诈类型,对比现有的防范欺诈的典型解决方案,最后提出了一种基于安全电子邮件和伪随机数校验码模拟AVS的方法来防范网络信用卡欺诈。
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| 关 键 词： | 安全电子邮件 电子商务 信用卡 欺诈预防 |
| 文章编号： | 24313520 |
| 修稿时间： | 11 28 2006 12:00AM |
Prevention of Credit Card Frauds on the Internet |
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| DONG Qiao-liang,Yang Nian.Prevention of Credit Card Frauds on the Internet[J].Journal of Mianyang Normal University,2007,26(2):128-132. |
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| Authors: | DONG Qiao-liang Yang Nian |
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| Institution: | Department of Information Management, Chongqing Communication College, Chongqing 400035 |
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| Abstract: | With the development of financial informationalization in recent years,more and more Chinese customers use credit card to conduct transactions,from banking to shopping,through internet.For customers,however,it is a worrying trend that there has been a rise in fraudulent claims.In this article,the authors have tried to probe into the credit card fraud performed electronically.Compared with the fraud cases in traditional transactions,credit card fraudulent transactions on multimedia products are easy to conduct but difficult to discover and recover.In this paper, the authors have firstly classified the types of the usual fraud occurred on the internet.And secondly,the authors have introduced the use of a Secure E-mail,which includes pseudo-random verifying codes,as a way to authenticate the customer and to simulate his / her physical address in order to prevent credit card frauds. |
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| Keywords: | secure e-mail e-commerce credit card fraud prevention |
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