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1、外文翻譯Creditcardfraud:awarenessandpreventionMaterialSource:JournaloffinancialcrimeAuthor:KatherineJ.Barker,JackieD’AmatoandPaulSheridonAntifraudmeasures:Creditanddebitcardsarerapidlyreplacingcashandchecktransactionsformanybusinesses.AccordingtoastudysponsoredbytheAmericanBan
2、kersAssociation,between2004and2006,45percentofUSconsumersreportedusinglesscash(Smith,2007).Withthechangein?nancial?exibilityandcontrol,anewopportunityispresentedforexploitation.Thissectiondescribeswhat?nancialinstitutionsaredoinginresponsetocreditcardfraudanduniquecardfeat
3、urescommontoMasterCard,Visa,andAmericanExpress,whichareusedtomitigatetherisksoffraud.Financialinstitutionsandmerchantsarealsodoingtheirparttoprotecttheircustomersfromfraudbyeducatingthemaboutsafeguardingtheiridentity.Educatingconsumerswillaidtowardpreventionandcouldsavecon
4、sumersthehasslesandburdenofdestroyedcredit.FeaturesuniquetoVisaincludethefollowing:the?rstfourdigitsoftheaccountnumberarepreprintedabovetheembossednumber;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,effortshavebeenunderwayby?nancialinstitutionsandtechnologyvendors
7、toreducetheproblemsassociatedwithcreditcardfraud.VisaandMasterCardlaunchedprogramsgearedtowardverifyingcardownershipatthepointwhenthecardsareused.In1993,Visalauncheditscardveri?cationvalue(CVV)program.Withinthemagneticstripofthecard,anencryptednumericvalueis8encoded.Whenth
8、ecardholderusesthecardtomakeapurchaseatthePOS,theterminalreadstheCVVcodeandtransmitsittot
