我國網路詐欺之實證研究以付款方式為中心

 

The empirical analysis of Internet Fraud in Taiwan
Focusing on Type of Payment

 

古慧珍

臺灣桃園地方法院檢察署檢察官

桃園縣桃園市法治路一號

 

廖先志

臺灣桃園地方法院檢察署檢察官

桃園縣桃園市法治路一號

hjliao123@yahoo.com.tw

 

摘要

隨著網路使用日益頻繁,台灣之網路詐欺案件數目亦日益增加。為精確掌握網路詐欺之特性,本文綜合「犯罪時間」及「網路相關性」二個因素來定義網路詐欺。經由上述的定義來分析實際案例後,可以發現我國網路詐欺在付款方式上,具有「多以轉帳付款」、「轉帳金額小」及「人頭帳戶多」等三個特性。而此一統計結果,以「限制轉帳金額為3萬元」此一政策無法遏止網路詐欺之實證結果來看,亦同樣得到驗證。在偵查實務上,使用人頭帳戶常造成偵查之困難,因此,在我國,欲防制網路詐欺,除了採用與其他國家相同的交易安全制度等制度外,本文以為,如果採取能有效地降低人頭帳戶數量之政策,應該也能夠有效地降低網路詐欺。

 

關鍵字:網路詐欺、付款方式、實證分析、人頭帳戶  

 

Abstract

With increasing use of the Internet, the Internet fraud in Taiwan grows rapidly. In order to precisely describe the properties of Internet fraud, the definition of Internet Fraud should be given by combing two factors; the Internet participation in different stages of illegal action and the degree of Internet involvements. According to empirical analysis, the transfer is at the top of all types of payment of Internet fraud. Secondly, the average illegal gain is quite small. More importantly, dummy accounts are very commonly used in the Internet frauds. More than 60% of fraud cases in the Internet consists of dummy accounts involvements. Therefore, besides adopting formal approaches like the “credit system” and a safer delivery system, if we can reduce the amounts of dummy accounts we can also effectively eradicate the Internet frauds.

 

Keyword: Internet fraud, online payment, empirical analysis, dummy account