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市場調査レポート

米国のプリペイドカード詐欺とリスク管理

Prepaid Card Fraud and Risk Controls in the United States

発行 Mercator Advisory Group, Inc. 商品コード 289781
出版日 ページ情報 英文 34 Pages
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=105.42円で換算しております。
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米国のプリペイドカード詐欺とリスク管理 Prepaid Card Fraud and Risk Controls in the United States
出版日: 2013年11月14日 ページ情報: 英文 34 Pages
概要

当レポートでは、米国におけるプリペイドカード関連の犯罪(詐欺・マネーロンダリングなど)の実体や防止策について分析し、犯罪の規模・被害額や実体、連邦政府による防止策・規制、業界関係者の対応策(ベストプラクティス)などを調査して、その結果を概略以下の構成でお届けします。

エグゼクティブ・サマリー

イントロダクション

プリペイドカード詐欺の問題はどれだけ深刻なのか?

プリペイドカード詐欺の種類と方向性

  • 詐欺の被害総額
  • 詐欺の実態と種類

マネーロンダリング、テロリストへの資金提供、その他の関連の問題

  • プリペイドカードによる麻薬資金のロンダリング
  • プリペイド・スパイ・ストーリー
  • その他の関連する諸問題

プリペイドカード詐欺・犯罪に対する規制当局の反応

  • テロリストへの資金提供とマネーロンダリング
  • FinCEN(金融犯罪法執行ネットワーク)によるマネーロンダリング防止のための規則

プリペイドカード詐欺・犯罪と戦うためのベスト・プラクティス

  • プリペイドカードのパッケージング:詐欺・犯罪防止の最前線
  • 顧客認証過程:「誰を中に入れるか、注意しなさい」
  • 顧客・従業員・ビジネスパートナーに対する訓練
  • 異常な活動での自社製品の使われ方に対する監視
  • 内部システムの防御
  • プログラムの継続的な更新

詐欺防止に関する専門企業のアプローチ

  • FIS
  • Fiserv
  • i2c Inc.
  • Vantiv
  • Xerox Corp.

結論:詐欺は今までよりも多面的となったが、まだなお対処可能な問題である

付録

  • 脚注
  • 著作権表記
  • 当レポートに関する詳細情報
目次

New research from Mercator Advisory Group examines fraud risk and best practice for fraud prevention in prepaid card programs

he new research report titled Prepaid Card Fraud and Risk Controls in the United States examines common ways in which criminals attempt to commit fraud, money laundering, and other types of crime against prepaid programs and what the industry can do about it.

The first section of the report uses recently reported example of fraud and government statistics to reveal the size and shape of the prepaid fraud problem. It also shows why crimes that involve prepaid cards are not due to fundamental flaws with the product type itself. Rather, criminals attack credit cards, debit cards, prepaid cards, and any other financial instrument in which they see weaknesses.

The second section of the report examines the regulatory responses to fraud. Every new instance of criminal activity brings calls for additional regulation of the prepaid industry. The report shows where new regulations have been written and explains why regulating prepaid is not always the best response to crime.

The third section of the report examines best practices for combating prepaid card fraud and other types. The report discusses preventive measures that can be taken throughout the prepaid value chain to deter criminals.

Additionally, the report contains suggestions for reading and describes how several processors help manage fraud risks for issuers and program managers.

"Prepaid fraud is a serious, but manageable problem, as long as all the members of the prepaid value chain work together. There is nothing inherent to prepaid that makes it more or less risky than other financial products," comments Ben Jackson, senior analyst of Mercator Advisory Group's Prepaid Advisory Service, and coauthor of the report.

Table of Contents

Executive Summary

Introduction

How Big Is the Prepaid Card Fraud Problem?

Prepaid Fraud Types and Vectors

  • Fraudulent Funding
  • Fraudulent Usage

Money Laundering, Terrorist Financing, and Other Related Hassles

  • Laundering Drug Money with Prepaid Cards
  • A Prepaid Spy Story
  • Other Related Hassles

Regulatory Reactions to Prepaid Fraud and Crime

  • Terrorist Financing and Money Laundering
  • FinCEN Rules for Preventing Money Laundering

Best Practices for Combating Prepaid Fraud and Crime

  • Prepaid Card Packaging: The Front Line of Fraud and Crime Defense
  • Customer Identification Procedures: Be Careful Who You Let In
  • Train Your Customers, Employees, and Business Partners
  • Monitor Your Products for Unusual Activity
  • Protect Your Internal Systems
  • Continually Update Your Programs

Processors' Approaches to Fraud

  • Prevention
  • FIS
  • Fiserv
  • i2c Inc.
  • Vantiv
  • Xerox Corp.

Conclusion: Fraud Is a Multifaceted but Manageable Problem

Additional Reading

  • End Notes
  • Copyright Notice
  • For more information about this report
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