信用卡欺诈的识别和防范【外文翻译】

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1、外文翻译Creditcardfraud:awarenessandpreventionMaterialSource:JournaloffinancialcrimeAuthor:KatherineJ.Barker,JackieD’AmatoandPaulSheridonAntifraudmeasures:Creditanddebitcardsarerapidlyreplacingcashandchecktransactionsformanybusinesses.AccordingtoastudysponsoredbytheAmericanBan

2、kersAssociation,between2004and2006,45percentofUSconsumersreportedusinglesscash(Smith,2007).Withthechangeinfinancialflexibilityandcontrol,anewopportunityispresentedforexploitation.Thissectiondescribeswhatfinancialinstitutionsaredoinginresponsetocreditcardfraudanduniquecardfeat

3、urescommontoMasterCard,Visa,andAmericanExpress,whichareusedtomitigatetherisksoffraud.Financialinstitutionsandmerchantsarealsodoingtheirparttoprotecttheircustomersfromfraudbyeducatingthemaboutsafeguardingtheiridentity.Educatingconsumerswillaidtowardpreventionandcouldsavecon

4、sumersthehasslesandburdenofdestroyedcredit.FeaturesuniquetoVisaincludethefollowing:thefirstfourdigitsoftheaccountnumberarepreprintedabovetheembossednumber;theaccountnumberalwaysbeginswitha4andcontains13or16digits;micro-printingappearsaroundtheVisalogo;alargedoveisvisibleund

5、erultravioletlight.FeaturesuniquetoMasterCardinclude:theaccountnumberalwaysbeginswitha5andcontains16digits;auniquesecurityfeaturecharacter“MC”appearsnexttotheexpirationdate;theaccountnumberisindent-printedinreverseitalicsonthesignaturepanel;alarge“MC”isvisibleunderultravio

6、letlight.AmericanExpresshasafewfeaturesthatareuniqueaswell.Underultravioletlight,theletters“AMEX”canbedetected.Theaccountnumberusuallybeginswith37andcontains15digits(ACFE,2007,p.1.1027).Overthelasttwodecades,effortshavebeenunderwaybyfinancialinstitutionsandtechnologyvendors

7、toreducetheproblemsassociatedwithcreditcardfraud.VisaandMasterCardlaunchedprogramsgearedtowardverifyingcardownershipatthepointwhenthecardsareused.In1993,Visalauncheditscardverificationvalue(CVV)program.Withinthemagneticstripofthecard,anencryptednumericvalueis8encoded.Whenth

8、ecardholderusesthecardtomakeapurchaseatthePOS,theterminalreadstheCVVcodeandtransmitsittot