卡片身份伪造报告：2008年

Abstract

The Javelin 2008 Identity Fraud Survey Report: Card Issuer Version provides a detailed, comprehensive analysis of credit card and debit card identity fraud in the United States in order to help card issuers better understand the effectiveness of methods used for its prevention, detection and resolution. A nationally representative sample of over 5,000 US adults, including 445 fraud victims, was surveyed via a 49-question phone interview to gain insight into this crime and the effects on its victims. This report is a condensed issue of the full 2008 Identity Fraud Survey Report, specifically for card issuers. The full report is issued as a longitudinal update to the Javelin 2005, 2006, and 2007 Identity Fraud Survey reports.

Table of Contents

• Major Findings
• Measuring the Impact of Identity Fraud
  • Existing Card Accounts Fraud
    • Existing Credit Card, Debit Card, and Prepaid Card Misuse Percentages
    • Existing Credit Card and Existing Debit/Prepaid Card Incidence Rates
    • Existing Credit Card and Debit/Prepaid Card Total Fraud Amounts
    • Average Fraud and Consumer Costs for Debit, Credit and Prepaid Cards
  • How Do Criminals Takeover Accounts?
• New Accounts and Other Frauds
  • Efforts to Stop New Network-branded Cards Frauds Paying Dividends
• Detecting Identity Fraud
  • Self-detection Leads to Faster Discovery of Frauds
  • The Identity Fraud Life-Cycle
  • Pre-Paid Cards: The Fraudster' s Next Card of Choice
  • Average Fraud and Consumer Costs for Existing Store-Branded and Network-Branded Credit Cards
  • What Means Are Used to Commit Fraud?
    • How Long Is Information Misused?
  • How Is Identity Fraud Discovered?
  • Which Methods of Detection Result in the Lowest Consumer Costs?
    • Which Method of Detection Is Most Effective for Existing Debit and Credit Card Fraud?
  • Consumer Behavior
    • How does Identity Fraud Alter Consumer Behavior?
• Appendix
• Glossary
• Methodology

Table of Charts

• Figure 1: Overall Measures of Impact
• Figure 2: Numbers of Victims (in Millions) and One-Year Incidence Rates
• Figure 3: Incidence Rates and Average Fraud Amounts for All Existing Accounts by Year
• Figure 4: One-Year Fraud Incidence Rates
• Figure 5: Historical Incidence Rates by Fraud Type (One-Year Data)
• Figure 6: Existing Card Fraud by Credit, Debit and Prepaid Percentages
• Figure 7: Incidence Rates for Existing Card Fraud by Type
• Figure 8: Total Annual Fraud Amounts for Existing Card Fraud by Types
• Figure 9: Existing Card Fraud by Type: Mean and Median Fraud and Consumer Costs
• Figure 10: Account Takeover Methods
• Figure 11: Fraudulent New Payment Accounts Opened
• Figure 12: Average Fraud Duration and Detection Time by Self- and External Detection
• Figure 13: Average Fraud Lifecycles by Type
• Figure 14: Identity Fraud Lifecycles for Existing Card Fraud by Type
• Figure 15: Identity Fraud Lifecycles for Existing Network and Store-branded Cards
• Figure 16: Mean Fraud and Consumer Costs for Store-branded Credit Cards
• Figure 17: Means of Misuse
• Figure 18: Average Days of Misuse by Fraud Types
• Figure 19: Average Consumer Costs by Detection Method
• Figure 20: Methods of Detection for Existing Credit and Debit Card Fraud
• Figure 21: Consumer Behavior Changes after Fraud Victimization
• Figure 22: Numbers of Victims before Weighting by Year
• Figure 23: Mean Dollar Value of Misappropriated Funds
• Figure 24: Three-Year Averaging of Fraud Amounts