支付系統風險管理及預防信用卡詐欺之動態變化 是由出版商Mercator Advisory Group, Inc.在2011年01月所出版的。
這份英文市場調查報告書包含22 pages 價格從美金2950起跳。
隨卡片交易開始時認證方式越來越進步，支付卡片產業之風險管理也正展開預防詐欺等新措施。支付產業因新技術使用，在推測支付系統風險變化中，也摸索著活用技術來加強系統安全之方式。
本報告為，評估全球調查機構所得之信用卡詐欺相關統計，並探討預防詐欺及使用新興技術之模式轉換，檢討EMV卡片急增及導入遲緩風險、EMV影響等，以下列摘要形式闡述。
簡介
2009年全球卡片詐欺情形
預防詐欺之模式轉換
- 數據破壞時代
- 移轉至動態數據
- 商業情報
- 支付產業如何活用外部數據
- 形状因素之進步
- 對產業之影響
阻止卡片介入詐欺之措施及偽造：預防詐欺上EMV之作用
- 美國發行EMV卡片
- 詐欺之移轉：EMV導入遲緩風險
- 債務之移轉
結論：支付產業預防信用卡詐欺之五大方式
圖表
Abstract
Boston, MA -- Risk managers in the payment card industry are ready to
adopt new approaches to fraud prevention as means evolve in which cards and
card users are authenticated at the moment the transaction begins. More
sophisticated modes of authentication have arisen as new technology has
enabled them.
The payments industry stands poised to move into a next phase of evolution as
the prospect of mobile commerce becomes more tangible. Operatives concerned
with how these new technologies will change the risks posed to payments
systems are also looking at how the same technologies might be leveraged
further to make payments systems more secure.
The first objective of The Evolution of Payment System Risk and the
Changing Dynamics of Credit Card Fraud Prevention report is to assess
selected available statistics about card fraud as reported by various
reporting bodies around the world. Secondly, this report presents the
discussion of how fraud prevention paradigms are shifting to incorporate
emerging technology in the market, as well as more sophisticated schemes by
fraudsters. Mercator also reviews some of the implications of the
proliferation of EMV, both as a fraud prevention measure and in terms of the
risks of late adoption. We conclude with recommendations for payments industry
participants who seek to improve security and fraud prevention efforts.
"The industry' s response to ' The Data Breach Era' is indicative of an even
broader and deeper paradigm shift. The industry is shifting away from the use
of static data in payment card processing (in which much of the messaging is
transmitted "in the clear?" or much of the process relies on unchanging
payment card credentials) to dynamic data (whereupon the messaging in payment
transaction processing is encrypted or otherwise changes from one stage of the
process to the next, or the process incorporates analytics of multiple
changing data sets)," David Fish, Senior Analyst in Mercator Advisory
Group' s Credit Advisory Service and author of the report comments. "In
these ways, the data created by and used in payment card transactions is, in
theory, harder for malevolent actors to decipher, manipulate, and reuse for
criminal purposes."
Highlights of this report include:
The paradigm for fraud prevention is changing in tandem with the criminal
activity targeting payments. As fraudsters become more sophisticated so must
payment processes evolve to keep one step ahead.
Global fraud is at a relatively low and stable rate, and statistics from
various countries with standardized reporting processes show improvement in
some instances and deterioration in others.
The fallout from security breaches has stimulated the industry to innovate,
resulting in a paradigm shift amidst the conceptualization and implementation
of payment card data security.
The use of dynamic data from a variety of sources and in a number of processes
involved in payment transactions serves to improve the integrity of the
payment system.
Furthering the impact of fraud migration from EMV markets to non-EMV markets
is the mandated liability shift for merchants still accepting magstripe
transactions.
One of 7 exhibits in this report:
This report is 22 pages long and has 7 exhibits.
Companies mentioned in this report include: Accertify; American
Express; CardSystems Solutions; CyberSource; Datacash; EMVco; Heartland
Payment Systems; MasterCard; Smart Card Alliance; TJX; United Nations Federal
Credit Union; Visa.
Table of Contents
TABLE OF FIGURES
INTRODUCTION
THE GLOBAL CARD FRAUD LANDSCAPE IN 2009
THE FRAUD PREVENTION PARADIGM SHIFT
- THE DATA BREACH ERA
- THE SHIFT TOWARD DYNAMIC DATA
- MERCHANT INTELLIGENCE
- HOW CAN THE PAYMENTS INDUSTRY LEVERAGE EXTERNAL DATA?
- FORM FACTOR EVOLUTION
- INDUSTRY IMPACT
CHIPPING AWAY AT CARD-PRESENT FRAUD AND PINNING DOWN COUNTERFEITERS - EMV'S ROLE IN FRAUD PREVENTION
- EMV CARD ISSUANCE IN THE US
- FRAUD MIGRATION - THE RISK OF LAGGING EMV ADOPTION
- LIABILITY SHIFT
CONCLUSION - FIVE WAYS THE PAYMENTS INDUSTRY CAN CONTROL CREDIT CARD FRAUD
TABLE OF FIGURES
- Figure 1: Selected Card Fraud Statistics 2009
- Figure 2: The Missing Piece - Relationship of Average Acquirer's
Fraud/Risk Losses and Profit
- Figure 3: The Data Breach Era - Five Years of Data Insecurity
- Figure 4: Better Decisioning with Dynamic Data
- Figure 5: Merchants Hold a Variety of Decisionable Data
- Figure 6: Evolution of Card Payment Interfaces
- Figure 7: It's and EMV World (almost)
