Some dilemmas regarding payment card related crimes

Igor Lamberger (Author), Bojan Dobovšek (Author), Boštjan Slak (Author)

Abstract

Purpose: The number of crimes which involve payment cards is increasing, and there are numerous types of misuse, abuse and fraud. However, there is a substantial lack of criminal literature and information about how to investigate and prevent these types of crimes. This article is an attempt to provide concise basic information regarding these crimes. But we have to remain cautious as whoever undertakes the task of presenting criminal investigative methods (of actually any type of crime) risks giving away knowledge and information to criminals. This should especially be considered when dealing with crimes related to payment cards. Design/Methods/Approach: This article is based on reviews of expert literature and experiences derived from practical cases. The approach is positivistic; theoretically the paper is about crimes related to payment cards. Findings: Literature dedicated to criminal investigation aspects of payment card related crimes is rare. There are, however, numerous publications on the technological scope of these crimes, including manuals about preventive measures (e.g. computer networks, mathematical protection algorithms), yet it seems that perpetrators are a step ahead as the number of payment card related crimes is not decreasing. Prevention is still the best action. Research Limitations/Implications: In-depth case studies can’t be done easily because information about the perpetrators who were apprehended is classified, and banks are also not willing to share information about security system breaches or attacks on ATMs. Practical Implications: Showing some characteristics of payment card fraud could be useful to investigators. It is also good to disprove some myths about these types of crimes, and to emphasize the importance of institutional cooperation. It could bring about some progress in developing more expert networks. Originality/Value: Literature on the subject of payment card crimes is rare. Especially rare are presentations of this problem from the criminal investigation aspect, so this article brings some practical insights and concise information about crimes related to payment cards, and the accompanying professional dilemmas.

Keywords

plačilne kartice;kreditne kartice;goljufije;ponarejanje kartic;preiskovanje;preventiva;

Data

Language:	English
Year of publishing:	2012
Typology:	1.02 - Review Article
Organization:	UM FVV - Faculty of Criminal Justice
UDC:	343.3/.7:336.7
COBISS:	2406634
ISSN:	1580-0253
Parent publication:	Varstvoslovje
Views:	739
Downloads:	55
Average score:	0 (0 votes)
Metadata:

Other data

Secondary language:	Slovenian
Secondary title:	Nekatere dileme glede kaznivih dejanj, povezanih s plačilnimi karticami
Secondary abstract:	Namen prispevka: Število kaznivih dejanj, povezanih s plačilnimi karticami, se povečuje. Obstajajo številne pod-vrste zlorab in goljufij. Opazno je veliko pomanjkanje literature in kriminalističnih informacij o načinu preiskovanja in tudi preprečevanja tovrstnih kaznivih dejanj. Namen članka je zatorej povzeti nekaj osnovnih informacij o tovrstnih kaznivih dejanjih. Pri tem pa moramo biti previdni, saj kdor koli prevzame nalogo, da predstavi kriminalistične metode za preiskovanje teh kaznivih dejanj (pravzaprav vseh vrst), tvega širjenje znanja in ozaveščanje storilcev. In kazniva dejanja, povezana s plačilnimi karticami, so vrsta kaznivih dejanj, pri katerih je treba to upoštevati še bolj dosledno. Metode: Pregled literature in spoznanj iz prakse. S pozitivističnim pristopom smo analizirali problematiko kaznivih dejanj v zvezi s plačilnimi karticami. Ugotovitve: Kriminalistične literature o kaznivih dejanjih s plačilnimi karticami je malo, obstajajo pa številne objave na tehnološkem (preventivnem) področju zoper te vrste kaznivih dejanj (računalniška omrežja, matematični algoritmi za zaščito). Vendar se zdi, da storilci kaznivih dejanj ostajajo korak pred njimi, saj se število kaznivih dejanj, povezanih s plačilnimi karticami, ne zmanjšuje. Preventiva je še vedno najboljši ukrep. Omejitve/uporabnost raziskave: Poglobljenih študij primerov ni mogoče narediti zaradi varovanih podatkov odkritih storilcev, poleg tega pa tudi banke ne dajejo informacij o vdorih v njihove varnostne sisteme ali bankomate. Praktična uporabnost: Za preiskovalce bodo koristne nekatere prikazane značilnosti kaznivih dejanj, povezanih s plačilnimi karticami. Uporabnost vidimo tudi v odpravi nekaterih mitov o tej vrsti kaznivih dejanj. Poudarjanje pomembnosti sodelovanja institucij, kar prinaša določen napredek, bi lahko botrovalo razvoju več takšnih delovnih omrežij. Izvirnost/pomembnost prispevka: Literatura na temo kaznivih dejanj s plačilnimi karticami je redka. Predvsem iz področja preiskovanja, tako da članek prinaša nekaj praktičnih vpogledov v problematiko in nekaj strnjenih informacij ter dilem v zvezi s tovrstno kriminaliteto.
Secondary keywords:	plačilne kartice;kreditne kartice;goljufije;ponarejanje kartic;preiskovanje;preventiva;
URN:	URN:SI:UM:
Type (COBISS):	Scientific work
Pages:	str. 191-204
Volume:	ǂLetn. ǂ14
Issue:	ǂšt. ǂ2
Chronology:	2012
Keywords (UDC):	social sciences;družbene vede;law;jurisprudence;pravo;pravoznanstvo;criminal law;penal offences;kazensko pravo;kazniva dejanja;offences against the state;particular offences;specific punishable acts;posamezna kazniva dejanja;posebni del kazenskega prava;
ID:	11605356