97642128-Masuri-de-Prevenire-a-Fraudelor-Cu-Carduri-Bancare.doc

UNIVERSITATEA DIN ORADEA FACULT FACULTA ATEA DE ŞTIINŢE ŞTII NŢE ECONOMIC ECONOMICE E MASTERAT FINANTE- BANCI-ASIGURARI BANCI-AS IGURARI ANUL ANUL II

MĂSURI DE PREVENIRE A FRAUDELOR CU CARDURI BANCARE

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CORNELIU BENTE

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CUPRINS" 1) DOMENIUL DOMENIUL ŞI ŞI PROBLEMA PROBLEMA DE CERCET CERCETA AT 2) REFERI REFERINŢE NŢE BIBLI BIBLIOGR OGRAFI AFICE CE 3) IDENTIFICAREA ŞI LISTAREA LISTAREA PRINCIPALELOR PRINCIPALELOR IDEI LEGAT LEGATE DE PROBLEMA DE CERCETARE PROPUSĂ 4) FORM FORMUL ULAR AREA EA UNEI UNEI IPOT IPOTEZ EZE, E, A UNEI SOLU SOLUŢI ŢIII POSI POSIBIL BILE E LA PROBLEM PROB LEMA A DE REZOLV REZ OLVA AT 5) DENUMIREA DENUMIREA TEMEI TEMEI DE CERCET CERCETA ARE 6) SCOPUL SCOPUL ŞI OBIECT OBIECTIVELE IVELE CERCETĂRII CERCETĂRII ) CONSTRUIR CONSTRUIREA EA PLANU PLANULUI LUI DE CERCET CERCETARE !) STABILIREA STABILIREA STRAT STRATEGIEI DE CERCETARE CERCETARE ") ELEMENTE

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$( REFERINŢE BIBLIOGRAFICE 1< A0&* S*%*&, R** B*&%*&, @Cele mai noi metode de furat bani de pe carduri, Z0* A%7., %0-0* 0& 26<#4<2##4

2< B*&* C*+*0*, @ Buletin trimestrial privind fraudele prin carduri-trimestrul II 2007” 3< B*K *K% :0 '%07, @ Băncile şi operaţiunile bancare, E0* E'&'(0., B%:0, 1""6 4< B% M<, P**/807 D<, C'(.&%/ A
"< C'&/*&0& R'*, @ (ana)ementul performanţei bancare”&E0* E+%, 2### 1#< C'/0& C< 00-%/, E(00*& M< D'%/, @ (oneda- mică enciclopedie”  E0* E&0'+%0., B%:0, 1""! 11< D*& V*/0*8%, *lăţi electronice”& E0* R'/%0, B%:0 2##4 12< D*&0%* Z.+'%*&, @ (onedă şi credit-Instituţii monetare şi de credit , E0* U&07%/0.-00 0& O*%*, 2##5 13< D0&9* E(0, +espre economia coruptibilităţii şi fraudei, $eflecţii economice” V'( II, B%:0, 2##2 14< G8%'98% D< B0/0%*&, M
16< G80:% B*&*, @Cum să ne ferim de oţii de carduri”, +0* & #!<#2<2##6 1< I'& N0-,  (ana)ementul riscului bancar”& E0* E+%, 2### 1!< I'/0> %%: G*7*, 'r)anizarea şi operaţiunile băncilor”&E0* O0;'&0 U&07%/0*%, T0(0:'**, 2##3 1"< L%70 M08*%, *revenirea fraudelor”&E0* D*'; ,1""5 2#< M*0* R.%/, @.apte băcăuani arestaţi pentru fraude pe carduri” Z0* G*0*&  +0* & 2"< #2<2##! 21< M*0/ G*, @Cum să vă feriţi de fraudele bancare” J% C<, Tenolo)ia afacerilor pe internet” E0* ASE, B%:0, 2##4 24< N0'*% D**, T%''* B*, (onedă& bănci şi politici monetare”E0* D0*0. :0 P%*9'90., B%:0, 2##5 25< O+0-%/ M< :0 '%07, @ (onedă şi credit- teorie şi practică”  E0* U&07%/0.-00 C*0'7*, 1""! 26< P*00 V<,:0 '%07, @/ecuritatea comerţului electronic”&E0* ALL, 2##1 2< R* P'+%/, C0/0*& T'*&%*, F'0& B%% @ Cardul instrument modern de  plată”, E0* T0&* E'&'(0., B%:0, 1""!

2!< R%70/* C*+0*, @Cu ceasul şi cu telefonul mobil la *'/”E0-0* 0& #1<2##! 2"< R%70/* C*+0*, @ *ariu pe un milion de carduri” E0-0* 0& #1<2##! 5

3#< E*%* 00;*'0' % 0&/(%&% % +** 0& %%* % +07%/% ('*0*0% %  +'%H*% 0(+'07* >*%'  31<  32< R%70/* E'&'(0., @Cardurile cu cip& o armă eficientă #mpotriva fraudelor bancare” , E0-0* 0& #!<2##6 33< R%70/* F0&*&-% B.&0 A/09.0,  Cardul bancar”&E0-0* 0& 0*&*0% 2##6 34< R%70/* F0&*&-% B.&0 A/09.0, @ "rauda cu carduri la automatele bancare”,% P%*: D<, N<6 A& $ 35< R%70/* F0&*&-% P0% :0 C'&*00*%, A& $I$, N 1, 0*&*0% 2##!, S+0(%& L%90/*07 36< R%70/* P0*-* F0&*&0*., @ Bi) Broter de pe card”, D%%(0% 2##6 3< R%70/* P0*-* F0&*&0*., @/pălarea banilor sub lupă”, F%*0% 2## 3!< R%70/* T0&* C*/0( A& IV<,N<2?2##6, F'&*' R':* C'&/*&0& 3"< R'0& L(0&0-*, !estiunea riscurilor bancare” , E0* D0*0. :0 P%*9'90., B%:0 4#< Ş%*& B/, @ "rauda pe cardurile cu cip”&Z0* C'00*& 0& 1<#3<2##! 41< T0&* E'&'(0., @ *e urmele acerilor rom%ni, N<1, 2##! 42< V*/0% D%, @ (ana)ement bancar  E0* M'&*&, B%:0, 1"" 43< V'0 C< S*& F<, D*/. I<, @ "rauda #n domeniul financiar bancar”, E0* T%0, B%:0 , 1""! 44< Z0* F0&*&0*, @ "urturile cu şi de pe carduri #n evidenţe la B1$”, % R.;7*& V'0*& 45< Z0* F0&*&0*, @ *rocedurile pe carduri lasă looc pentru fraude”& % L070* C80< 0& 12<#3<2##! 46< Z0* F0&*&0*, @ Tentativă de furt de date #mpotriva clienţilor $aiffeisen” , E0-0% 0& #<#3<2##! 4< Z0* F0&*&0*, M%0*>* A&&* R%+', 2##6 4!< JJJ<%>**<' 4"< JJJ<+'%/'<' 5#< JJJ
,( IDENTIFICAREA ŞI LISTAREA PRINCIPALELOR IDEI LEGATE DE PROBLEMA DE CERCETARE PROPUSĂ C( &% +%( +'%H* % /0*-0* %%( % &%+.. % * &% %;0 >.. *&0 +%  +'+0 *, +% *% :0( . '(*0 &%* >'/ 70* /**0 E/% ' &%*% +% *% :0' +& ' (*0 (-0 '(&0 *7& & 7%%% ., % * *& * *&, & R'(&0* /% &(-%/ +'/%/'00 % *< A%*/. %7'-0% 0(+0. :0 & */+% &%9*07 R'(&0* %70&% ' (*0 **07. +%& 8'-00 % *&0 % +% *0, *% & 0(* 7%(% * '7*. % ' 0(*90&*-0% %'/%0. & * %/'+%0 &'0 (%'% % >**%< P%& '&***%* *%/%0 %&0&-% '(+*&00% 0& '(%&0 *0' (+%&.  .&0% +%9.%/ :0 +'+*0;%*;. &'0 ('*0.-0 %  +%7%&0% * >*%' :0 % +'%H*% * %-0&.'0' % *0< C* %/% 7&* +0& '*% (0H'*%% +'/00%< O0&% +.0-0  % %0/. 0/ * 0&%7* /. >% 0&>'(*-00 +%-0'*/% :0 /. %* '70*< E0/. %7* (%'% >''/0% & (' >%7%& +%& >**%* *0'<  Metoda „Skimming”.

D*'0. %7'-0%0 %8&''900' *&*%, * * %7%&0 & 0&/(%& >'*% 00;* +%&  +** (+..0' , * %/% 0&% % :0 >*+ ., *&0 & '%:0 /. +.%:0 (+..0%  *, 7&;.'  +'*% %% +0&& 0/+';007 /+%0* *% 0%:% 0&>'(*-00% % *;.< A%*/.

(%'. @*/0. % >**% /% &(%:%

/0((0&9 .  Metoda „Phishing”.

P'%% % '-0&%% * *%' +%/'&*% % +% & * &'/ / %&(0%* % @+80/80&9 %/% ' (*0 %/ &&0. +% %0'0 -.00 &'*/%< D%/ 00;*. %/% (%'* %.00 &0 /0% J%,  ' *+*%&-. % /%0';0*% &%'0 ' '+0% >0%. * &' J%/0%0 >'*% &'/%), % +%>%0&-. J%/0%0 >0&*&0*%, +0& *% /% /'00. ' /%0% % *% +0&% *% :0 ' PIN< F** /% 7* +%%% && ('(%& %0' +0& 00;*%* *%' +%/'&*% % +% * '+0* >0% * (+..0 +% I&%&%, >0% +0& >*0*%* &0 * '&. * %*9%%* % &(%* /* * (+..0 & (*9*;0&%<2, +1Q< @ stfel #n ultimele două luni au fost atacate



nu mai puţin de opt bănci importante printre care B$+& Bancpost&Credit 3urope Ban&  *iraeus Ban şi Banca $om%nească”2#,+1Q Clonarea cardurilor.

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12

=( CONSTRUIREA PLANULUI DE CERCETARE E*+%% *% 7' >0 +*/% +%& %*0;*%* +'0%0 % %%*% /& (.'*%% *) E*'*%* %&&-0 +'%(%0  ) I%&0>0*%* /'+0 :0 * '0%07%' %%.00 ) C'&/0%* */+%%' %'%0% ) P%9.0%* :0 %*0;*%* /00' % %%& %) A&*0;* *%' /0 * 0&>'(*-00' %/% >) E*'*%* +0(%' '&;00 9) C'(+**%* '&;00'  %'0* %0/%&. 8) T%/*%* >0&*. 0) &'(0%* %0 +*&0 % %%*% +%& '(&0*%* %;*%'  H) C'(&0*%* %;*%'<

 &( STABILIREA STRATEGIEI DE CERCETARE P0& /*%90* % %%*% /% 7* (.0 '%*%* /'+0 :0 '0%07%' +'+/%  +%& '(*%%* >*%'  *0 *&*%  %//%% .&%:0 0/+'&00% :0 *-0&0%

+%7.;% * /% %*0;*< S*%90* % %%*% +%/+&% +*9%%*

(.'%' %*+% *) C.*%* :0 %9%%* *%'  ) P%*%* *%'  ) C'&/-0*,7%0>0*%* 0+'%;%' :0 %/*%* ('%0 ) G%&%*0;*%* :0 '&/-0* %'%0. a# Căutarea $i culegerea datelor.

U&0.-0% % '/%7*% :0 *&*0;* /& /'0%.-0% *&*% *% * & '0% ' % *070*% '(*%%* >*%'  *0 *&*%< T%8&0* % %:*&0'&*% 7* >0 */>% *%*/. & 9+ /%%* * &0.-0' % '/%7*% :0 *&*0;* /. >0% %+%;%&*07 :0 /%(&0>0*07 :0 /. +%(0. '-0&%%* &' %;*% % +' >0 &**% & 0(0%% &' %'0 %;'&*0% % %/0(*%  +%/*00% & >&-0% % /'+ :0 '0%07%% %%.00< S% '+%*;. +%& %8&0* %:*&0'&.00 *-0'&*% *% *% * *;. /%%-0* &0.-0' % '/%7*% :0 *&*0;* 0& %:*&0'& '* * &07% &0.-0' *&*% < 13

& 0(+ % >*%% * &07% %(0&*%' ATM :0 POS /& >%7%&% :0 +'7'*.  +0%%0 0(+'*&%, */.;0, >** '&0&% %/% ' *%7**. +'%(. & E'+* % V%/ :0 ' *(%&0&-*% /%(&0>0*07. & %90&0% &% 7* * *(+'*% 00;*%* 0&%&%0, /% **. && /0 +070& >*%% *&*% & E'+*, O0%& M0H'0 :0 A>0* '(*&* % F0/ D** I&%&*0'&*< S0 * >'/ '''&* % O07% I&/098, ' >0(* 0&%+%&%&. % %%*% :0 /* *;* +% %+%0%&-* &' %+%-0, 0& 52 % .&0, & '(*%%* >*%' * &07% %(0&*%' ATM, POS,  :0 * %' *&;*-0'&*% 0+ '&0&% :0 * &' +%/%& CNP)< E+%-00 *&*0 &%*(&* * ' '*'*% & +* (+'07* >*%0, %:0 %&'/ . %0/. &(%'*/% *0%% *% >* 0>00. *%*/* ''+%*%< /umarul rezultatelor cercetarii este următorul 

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*

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B/nc2*e se s2+! 6nc/!0!e< & %>'0% ' % * '(*% >**, .&0% /& '&/&/% % &90H'.0 9%&%*% % %+%0%&-* +'/%/'0' % *0  :0 % +'+0* ' '(+%0070*%< D+. ( %** & 0&% %/+'&%&-0 O9*&0;*-00% & :0 >* &'/% +0%%0% *;*% % >*% :0 *%*/* &% 0(0%*;. +'/000.-0% % ''+%*%< L%90/*-0* % +'%-0% * *%' %/% 0&%+%*. % (*H'0*%* .&0' %+ ' *0%. /%(&0>0*07. & ''+%*%, %:0 %+%-0 %'+%&0 & +'%-0* *%', & * &0 >'( '9*&0;* %%& % F0/ D**, /9%%*;. . *%7*** +'%(. %/% +%%+-0* :0 0&%+%*%* *%/%0*, & ** * %90/*07+'+0;0/<

Re7*e+en!re 1o!e f2 o >c/+/ de for3/>< 55 0&% %/+'&%&-0 % . %9%(%&.0% /& 0%, & 0(+ % *-00, & /+%0* & V%/ E'+%0, /& &90H'*-0 % >*+ . %9%(%&.0% /% +' '7%0 +%* %/007% & *%/ (%0 *>* &' /80(*% %%( % *+0.< *K ''%, D0%' % C'&' * F*%' & * APACS, */'0*-0*  +'%/*'0' 0& M*%* B0*&0% *>0(. . R%9%(%&.0% & +' *&00+* %;7'*%* >*%0 :0 & +' */09* >%000*%* &%%/*. % * >*% >*-. *%/%0 /80(.0< F** %/% ( +%* 0&*(0. :0 9% % '&'* * /. &% +%(0%( /. *7%( ' %90/*-0% 0&>%00.<

B/nc2*e s0n! 1reoc01!e de no2*e +od*2!/32 de fr0dre< F*%% *&*% '&0&% */09. %0 *% >*%*;. ' +'*00*% (*% % %/0.  0/0 +%/'&*% %/%, %0/&  +'/000*%* % * >** *+0 (*0 (% +%/'*&%< 3! 0&% %/+'&%&-0 %&&-. ' %:%% 14

* **0' % 0+ +80/80&9 :0 +%/% 1?3 *&00+%*;. %:%%* >*%' CNP '&0&%< C0 S**;0&, C*%/ B*&*0%/, +%:%0&% * E'+%*& P*K(%&/ C'&0/ C* F* P%7%&0'& T*/ F'%, //-0&% . L* &07% (*0' +0%-% %0/. ' %&0&-. % %:%% * >*%' * &07% *&;*-00' CNP< & 0(+ % >*%% '*% /& & /.%%, %0% /. >0( >'*%  +%*-0 & +070&-* >*%' +0& CNP *% +' %7%&0 ' +'%(. %%( % (*%<

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F0/ D** I&%&*0'&* >*% +*% 0& F0/ D** C'+< NWSE FDC), >00& & >&0;' (*H' % /'-00 % '(%- %%'&0 :0 % +*. * &07% ('&0*< F0/ D** I&%&*0'&* '>%. /%7000 +%& 07%/% 0+0 % +0%-%, */09& /'-00 9'*% **+*% * &07% '* /0 *7& & 7%%% &%7'0% 0%&-0'< C'(+*&0* *% *+'0(*07 ,"## *&9*H*-0 :0 %/% +%;%&. & E'+*, O0%& M0H'0, A>0*, A(%0* L*0&., C*&**, A/*0* :0 A/0*P*0>0< F0/ D** %*;. +%& 4<" (00'*&% % '*-00 '(%0*%, 1,"## % %(0%&-0 % *0 :0 0%&-00 *%/'*< P''>'0 % /%7000 :0 /'-00 * '(+*&0%0 0&% /%7000 % +'%/*% * *&;*-00' +%& '(%0*&-0 15

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S*0/00 '>00*%

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R*+'*% , /00 :0 /0&%;% %*0;*% * &07% 0&%&*-0'&* :0 &*-0'&*



D'(%&% %&% % 9%/0&% * &07% 0&/0-00' *&*%

#Prelucrarea datelor.

 & * *%/0 +'0% % %%*% /% 7* >''/0 *&*0;* *0*07. *%** *7& * *;. /0 &' '(%&%  **% 0&>'(*07 , /+'0 '>00*% /0/% '(*07% & /& ''&*%, & %% (*0 (% *;0 & +' >&0;* 0&000 %%7*&% *%/%* &%%/0& ' *&(0. /0/%(*0;*% * *%'< c# Construc%ia& "erificarea i!ote'elor $i testarea modelului.

C'&/0%* 0+'%;%0 +'&%:% % * '0 >*'0 :0 *&(% %'0* :0 %+%0%&-* 0%.< I+'%;* /% '&0%:% +0& %/ * *&(0% %90 %07*% 0& 0+0% &'/% % *-0'&*(%&% %07%, 0&07%, (0%< E* +'&%:% % >*+ % * /%/0;*%* &'  %%(%&% :0 *&(% %:%%* >*%'  *0 & /0/%( *&* +'*% /. *0. 0&>%&-% */+* +%>'(*&-%' :0 %&(%0 /'0%.-0' *&*% *% 0(+00 +'*% /. . * /.%%* '%0 % +0*-. :0 * +'>00 .&00)< d# (enerali'area $i construc%ia teoretică.

16

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