A Study on the Improvement of FDS Effectiveness over the Case Analysis on E-commerce Credit-card Fraud-to-sales
2
조회
0
다운로드
2
인용
0
참고문헌
키워드
초록
As the advancement of information and communications technology (ICT) and the rapid growth of Fintech (Finance Technology) industry, the proportion of online e-commerce increases sharply in the credit-card payment market recently. Also, various payment services such as mobile card and the easy payment system have emerged in the e-commerce area, and electronic finance frauds and accidents using credit cards have also become more sophisticated and diversifiable accordingly. Thus, establishing FDS (Fraud Detection System) that considered differentiated e-commerce environmental features from the offline based current FDS system is needed to advance the prevention and detection of credit card frauds and accidents in e-commerce. In this paper, we compare the operating environment of the offline credit-card transaction and online e-commerce. Then we propose improvement method of credit-card e-commerce FDS detection that specialized online e-commerce. This method is considered the feature of the online credit-card transaction and the pattern of fraud usage in addition to operating offline transaction based FDS currently. And we verify the propriety and efficiency of the proposed method by applying it to the FDS system currently managed by a financial company.
Abstract
As the advancement of information and communications technology (ICT) and the rapid growth of Fintech (Finance Technology) industry, the proportion of online e-commerce increases sharply in the credit-card payment market recently. Also, various payment services such as mobile card and the easy payment system have emerged in the e-commerce area, and electronic finance frauds and accidents using credit cards have also become more sophisticated and diversifiable accordingly. Thus, establishing FDS (Fraud Detection System) that considered differentiated e-commerce environmental features from the offline based current FDS system is needed to advance the prevention and detection of credit card frauds and accidents in e-commerce. In this paper, we compare the operating environment of the offline credit-card transaction and online e-commerce. Then we propose improvement method of credit-card e-commerce FDS detection that specialized online e-commerce. This method is considered the feature of the online credit-card transaction and the pattern of fraud usage in addition to operating offline transaction based FDS currently. And we verify the propriety and efficiency of the proposed method by applying it to the FDS system currently managed by a financial company.
참고문헌 (12)
- Banking services usage statics throughout the year, "The Bank of Korea", ~ (2015)
- TC40 client fraud reporting and operating certificates submission, "VISA Korea", ~
- KB, "Recent trends and prospects of information security in the domestic and international financial institutions", KB vitamin of knowledge, 15-19 (2015)
- Siddhartha Bhattacharyya, "Data mining for credit card fraud: A comparative study", Decision Support Systems, 50(Issue 3), pp.602~613 (2011)
- Jon T.S. Quah, "Real-time credit card fraud detection using computational intelligence", Expert Systems with Applications, 35(Issue 4), pp.1721~1732 (2008)
- D. Sánchez, "Association rules applied to credit card fraud detection", 36(Issue 2,), pp.3630~3640 (2009)
- 정대용, "전자금융사기 예방서비스의 개선방안에 관한 연구: 2013년 전자금융사기 피해사례분석을 중심으로", 정보보호학회논문지, 24(6), pp.1243~1261 (2014), 한국정보보호학회[DOI]
- 최의순, "전자금융거래의 이상징후 탐지 규칙 개선을 통한 효과성 향상에 관한 연구", 정보보호학회논문지, 25(3), pp.615~625 (2015), 한국정보보호학회[DOI]
- 박은영, "전자금융거래 이상징후 분석을 통한 사고예방 효과성에 관한 연구", 한국전자거래학회지, 19(4), pp.119~134 (2014), 한국전자거래학회[DOI]
- Financial Security Agnecy, "Technical guide of Fraud Detection System", ~ (2014)
- Seo Hojin, "A novel biometric identification based on a users input pattern analysis for intelligent mobile devices", Internatational Journal of Advanced Robotic Systems (2012)
- 박재훈, "의사결정나무를 이용한 이상금융거래 탐지정규화 방법에 관한 연구", 정보보호학회논문지, 25(1), pp.133~146 (2015), 한국정보보호학회[DOI]