온라인 경매에서의 신용카드 허위거래 탐지 요인에 대한 실증 연구 = An Empirical Study on the Detection of Phantom Transaction in Online Auction

다국어 초록 (Multilingual Abstract)

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.

목차 (Table of Contents)

• Abstract
• 1.서론
• 2.이론적 배경
• 3.연구 모형과 가설
• 4.연구 방법
• 5.실증 분석 및 논의
• 6.결론 및 관리적 시사점
• 참고문헌

참고문헌 (Reference)

1 "거품 붕괴 후 닷컴이 더 강해졌다" 전자신문 전자 신문 2004

2 "eBay Reins in Anti-Shilling Posse" 2001

3 "The Role of Market Forces in Assuring Contractual Performance" 89 (89): 615-641, 1981

4 "The Market for ‘Lemons’：Quality Uncertainty and the Market Mechanism" 83 (83): 488-500, l970

5 "Software Piracy: A Strategic Analysis of Protection" 37 (37): 125-139, 1991

6 "Shill Bidding in English Auctions" 2001

7 "Running Up the Bid：An Empirical Study of Seller Behavior in Internet Auctions" 929-935, 2000

8 "Replicating Online Yankee Auctions To Analyze Auctioneers’ and Bidders’ Strategies" 14 (14): 244-268, 2003

9 "Preventive and Deterrent Controls for Software Piracy" 14 (14): 29-47, 1997

10 "Pennies from eBay: The Determinants of Price in Online Auctions" 2000

11 "On-the-job Experience and Skill at Detection Deception" 16 (16): 249-267, 1986

12 "On Reserve Price Shilling in Online Auctions" 2001

13 "Net Auctions at the Crossroads" 2000

14 "Logistic regression：An introduction" JAI Press 1994.

15 "Logistic regression：A primer" Sage Publications 2000

16 "Initial Trust, Perceived Risk and The Adoption of Internet Banking"

17 "Evidence of The Effect of Trust Building Technology in Elelctornic Markets：Price Premiums and Buyer Behavior" 26 (26): 243-268, 2002

18 "Economic Insights from Internet Auctions" xlii : 457-486, 2004

19 "Econometric Analysis, Fourth Edition" Englewood Cliffs, NJ： Prentice Hall 1999

20 "Doing Their Bidding: An Empirical Examination of Factors that Affect a Buyer’s Utility in Internet Auctions" forthcoming.

21 "Do Electronic Marketplaces Lower the Price of Goods?" 41 (41): 73-80, 1998

22 "Detecting Deception: Adversarial Problem Solving in a Low Base Rate World" 25 (25): 355-392, 2001

23 "Chapter 1：Crime and Punishment: An Economic Approach" In The Economics of Crime and Law Enforcement (eds L.R. McPheters & W.B. Stronge) Charles C Thomas Publisher" 1976.

24 "Building trust in online auction markets through an economic incentive mechanism" 35 (35): 273-286, 2003

25 "Applied Logistic Regression" NY：Wiley & Sons 1989