신용카드 부정사용 현황과 제도개선에 관한 연구

The credit card usage environment has ben changing for the con venience of users, and there is also a growing concern about credit card fraud. In particular, the change in Korea has ben from a pre-verifcation procedure represented by past certifcate verifcation and active-x to post-verifcation procedures for online payment. With such a rapid change in the credit card usage environment, concerns about credit card fraud are increasing, and the operation of fraud detection system(FDS) is being emphasized. Credit card fraud is a transaction in which a third party, not a credit card member, uses the card without authorization. The laws and terms related to credit card fraud has ben developed in two directions since 1978 for the purpose of protecting consumers, expanding the type of fraud and reducing the responsibilty of members. In principle, credit card companies have liabilty without fault in alocating loses due to credit card fraud but exceptionaly, if the member has intention or gros negligence, the member is liable for al or part of it, and the electronic financial transactions act is the same. In order to improve the credit card fraud system, the standard terms and conditons of credit card individual members should determine the serious negligence of the user and the burden of responsibilty ratio for each type of user in details. And if the credit card company does not fulfil its fiduciary duty to prevent fraud, the credit card company should take responsibilty for the los. In aditon, it is necesary to reinforce the credit fraud penalty provisions under specialized credit finance busines act in order to raise the level of legal punishment for securites crimes, and to punish the use of lost and stolen cards and atempts to steal card information.