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온라인 경매에서의 신용카드 허위거래 탐지 요인에 대한 실증 연구
채명신,조형준,이병태 한국경영과학회 2004 經營 科學 Vol.21 No.2
Although the Internet is useful for transferring information, Internet auction environments make fraud more attractive to offenders, because the chance of detection and punishment is decreased. One of these frauds is the phantom transaction, which is a colluding transaction by the buyer and seller to commit the illegal discounting of a credit card. They pretend to fulfill the transaction paid by credit card, without actually selling products, and the seller receives cash from the credit card corporations. Then the seller lends it out with Quite a high interest rate to the buyer, whose credit rating is so poor that he cannot borrow money from anywhere else The purpose of this study is to empirically investigate the factors necessary to detect phantom transactions in an online auction. Based upon studies that have explored the behaviors of buyers and sellers in online auctions, the following have been suggested as independent variables: bidding numbers, bid increments. sellers' credit, auction lengths, and starting bids. In this study, we developed Internet-based data collection software and collected data on transactions of notebook computers, each of which had a winning bid of over ￦ one million. Data analysis with a logistic regression model revealed that starting bids, sellers' credit, and auction length were significant in detecting the phantom transactions.
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온라인 경매에서의 신용카드 허위거래 탐지 요인에 대한 실증 연구
채명신,이병태,조형준 한국경영과학회 2004 經營 科學 Vol.21 No.3
Although the Internet is useful for transferring information, Internet auction environments make fraud more attractive to offenders, because the chance of detection and punishment is decreased. One of these frauds is the phantom transaction, which is a colluding transaction by the buyer and seller to commit the illegal discounting of a credit card. They pretend to fulfill the transaction paid by credit card, without actually selling products, and the seller receives cash from the credit card corporations. Then the seller lends it out with quite a high interest rate to the buyer, whose credit rating is so poor that he cannot borrow money from anywhere else. The purpose of this study is to empirically investigate the factors necessary to detect phantom transactions in an online auction. Based upon studies that have explored the behaviors of buyers and sellers in online auctions, the following have been suggested as independent variables: bidding numbers, bid increments, sellers’ credit, auction lengths, and starting bids. In this study, we developed Internet-based data collection software and collected data on transactions of notebook computers, each of which had a winning bid of over ￦ one million. Data analysis with a logistic regression model revealed that starting bids, sellers’ credit, and auction length were significant in detecting the phantom transactions.
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