信用卡詐欺風險偵測之最佳化模式–影響信用卡詐欺風險偵測效率之因素研究
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- 最後更新日期:109-05-13
- 資料點閱次數:424
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.
資料來源:http://handle.ncl.edu.tw/11296/ndltd/89213878242171813466