市場調査レポート

支払システムのリスク管理およびクレジットカード詐欺防止における力関係の変化

The Evolution of Payment System Risk Management And the Changing Dynamics of Credit Card Fraud Prevention

発行 Mercator Advisory Group, Inc. 商品コード 144540
出版日 ページ情報 英文 22 pages
納期: 即日から翌営業日
価格
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支払システムのリスク管理およびクレジットカード詐欺防止における力関係の変化 The Evolution of Payment System Risk Management And the Changing Dynamics of Credit Card Fraud Prevention
出版日: 2011年01月26日 ページ情報: 英文 22 pages
概要

カード取引が開始される際の認証方法が進歩を遂げる中、支払カード業界のリスクマネージャーらは、詐欺防止のために新たな取り組みを導入しようとしています。支払業界は、新たな技術の導入に伴い、支払システムにもたらされるリスクの変化を推し量るとともに、これらの技術をシステムの安全強化に活用する方法を模索しています。

当レポートでは、世界中の調査機関から得られたクレジットカード詐欺に関する統計を評価し、詐欺防止において新興技術を利用するというパラダイムシフトの変化について議論するとともに、EMVカードの急増および導入の遅れに伴うリスクなど、EMVの影響について検討するなど、概略下記の構成でお届けいたします。

イントロダクション

2009年における世界のカード詐欺の情勢

詐欺防止のためのパラダイムシフト

  • データ侵害の時代
  • ダイナミックデータへの移行
  • マーチャントのインテリジェンス
  • 支払業界はいかに外部データを活用できるのか
  • フォームファクターの進歩
  • 業界への影響

カード介在型詐欺にこつこつと取り組み、偽造者を突き止める:詐欺防止におけるEMVの役割

  • 米国におけるEMVカードの発行
  • 詐欺の移行:EMV導入の遅れによるリスク
  • 債務の移行

結論:支払業界がクレジットカード詐欺を規制できる5つの方法

図表

目次

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:

image1

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)
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