It is rare, exceedingly rare Similarly, recall that e-tailers in 2010 (almost 2011) issues of bank card fraud. Why? Not that it's a shame that the family market is trying to hide under a rug, but simply because the sector remains strong even traumatized by the media treatment of issues of fraud in the credit card.
recall some principles. The credit card is a payment tool "face to face." Indeed, the system of protection and authentication of the cardholder through the seizure of the famous 4-digit PIN when requested payment of such face to face.
On the Internet, this method authentication could never be truly reproduced. The first step was therefore to ask consumers to enter the security code (also called CVV or CVV2), the famous last 3 numbers on the back of the card (or 4 that are listed on the front of American Express). The goal was simple: to ensure that the person who pays has the card in his possession "physical" and not just the 16 digits and the expiry date of the credit card.
Despite this protection, credit card fraud continue to receive the e-commerce sector. According to the latest report the Security Observatory payment cards in 2009, the bank card fraud in e-commerce amounted to 0.263% or about 52 million euros.
But behind the 52 million euros in credit card fraud, the victim is not the consumer or more accurately the cardholder, but the online merchant. Indeed, if finding a fraudulent debit the bank account conducted using data from its credit card, the cardholder has the option to repudiate the fraudulent payment. His bank will refund it. Nevertheless, the bank will return to the merchant and debit his account of the amount. He will return to the e-tailer the task of turning against the fraudulent attempt to obtain compensation for the loss. After some e-tailers
act. This is the case PriceMinister. For the past five years, the principle on credit card fraud is rather simple: zero tolerance. Thus, in the absence of amicable recovery of money and criminal proceedings be launched against the fraudulent or with two objectives: to obtain a conviction of the accused on the ground of fraud and ordered to pay back the entire damages.
short overview of some criminal decisions that we received recently:
- Criminal Court of Bourg-en-Bresse, March 17, 2010: 2 and 4 months imprisonment suspended for two defendants and reimbursement of injury PriceMinister (80 €)
- Correctional Tribunal of Toulouse, 6 July 2010: 1-4 years imprisonment and obligation to reimburse the loss suffered by PriceMinister (€ 660.40)
- Chaumont Criminal Court, July 20, 2010: six months in prison and required to reimburse the injury PriceMinister (€ 126.55)
- Criminal Court Sense, August 26, 2010: four months in prison and a requirement to reimburse the loss suffered by PriceMinister (€ 882.87)
- Criminal Court of Versailles, 14 September 2010: 12 months in prison and required to reimburse the loss suffered by PriceMinister (€ 555.90)
- Tribunal Lyons Criminal (CRPC), October 15, 2010: eight months suspended prison sentence and the obligation to reimburse the loss suffered by PriceMinister (€ 109.40)
- Criminal Court of Lons-le-Saulnier (CRPC), October 29 2010: two months suspended prison sentence and the obligation to reimburse the loss suffered by PriceMinister (€ 376.84)
Finally, one can cite the case decided by the Paris Criminal Court June 24, 2010 . Interesting because it showed how we could build a case for cooperation between an online merchant and teams fight against cyber fraud of OCLCTIC.
all started one morning when the teams fight against fraud PriceMinister discover that many buyers (thirty) have purchased products from the same seller. The account analysis reveals buyers and sellers are the same person and that a fraudster is trying to "whitewash" of credit card numbers, trying to recover cash through false transactions. Upon discovery, and in view of the sums involved (around 10,000 €), these elements are put together teams to fight against cyber fraud of OCLCTIC. The next morning, less than 48 hours after the incident, one of the perpetrators was arrested at his home.
The survey will demonstrate the use of the identity of 32 different people and their numbers credit card. Given the blocking of these transactions PriceMinister, judges have ordered the two perpetrators on the grounds of attempted fraud at 500 and 800 euro fine and payment of damages to PriceMinister.
To date, we still have thirty judgments that we must be issued.
Author: Benoit Tabaka - http://tabaka.blogspot.com 
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