Online shopping has surged during the pandemic, so have credit card and e-commerce frauds. For the first time, Taiwan has been listed as the location with most rampant credit card fraud cases, after Ireland and the U.S. According to the National Credit Card Center show, the value of credit card fraud from January to May 2021 was over NT$600 million, which was NT$100 million more compared to the same period last year.
The COVID-19 pandemic has changed people's lives, including their shopping habits. Statistics compiled by the National Credit Card Center show that the number of Internet fraud cases increased after the pandemic started. The total value of credit card fraud for the period from January to May 2021 was NT$629 million, which was about NT$100 million more than the NT$518 million defrauded in the same period in 2020. The value and proportion of e-commerce fraud both increased.
Huang Kuo-hung, Dep. General Manager, National Credit Card Center:”When we talk about non-face-to-face fraud, we're traditionally referring to EC (e-commerce) fraud. These cases accounted for about 98.5 percent of the total value. In the same period last year, they accounted for only 93.8 percent. They also now account for the absolute majority of the bank notifications. This phenomenon has increased during the pandemic.”
The top five locations where the credit card fraud was committed were Ireland, the US, Taiwan, the UK, and Singapore. This was the first time that Taiwan had entered the top three, a huge warning sign. Emails and text messages are the most common methods used to get personal information.
Kuo Yu-chih, Captain, 2nd Brigade, 7th Investigation Corp, CIB:”Victims received texts from unknown senders and clicked links. They mistakenly thought they were accessing a real vaccine website and entered their personal identification number, account number, and password. These websites were created by criminal suspects to capture personal information.”
The National Credit Card Center also found cases of fraud involving purchases or donations of disease prevention products. Some criminal suspects exploited vulnerabilities in store websites. They tested credit cards and then used them fraudulently after gaining related personal information
新冠病毒一年多來改變全世界的生活方式，但是聯合信用卡處理中心也發現，網路詐騙比例也因為疫情開始增加，根據統計國人的信用卡今年1-5月的詐欺通報金額大約 6億2,900萬元，跟去年同期的5億1,800萬元相比，增加超過1億，其中電子商務類的詐欺金額與比例也都是增加的狀況。
聯合信用卡處理中心副總經理 黃國鴻：「屬於非面對面的這個，我們就傳統上是講EC(電子商務)的一個詐欺通報金額占了大概98.5%，那去年同一期間大概才占了93.8%，而且已經成為銀行通報內容的主要絕對多數，那在疫情期間的情況更加明顯。」
再以詐騙收單地點分析，前五名分別是愛爾蘭、美國、台灣、英國、新加坡，其中我國更是首度排進前三名，這是一大警訊其中電子郵件及簡訊詐騙，是最常見的情形。
刑事局偵七大隊第二隊長 郭有志：「被害人收到不明的簡訊然後點選進去，他誤以為是真的疫苗網頁，然後就將自己的身分證號以及使用者的帳號密碼輸入，然後其實這一些都已經被嫌犯製作的假網頁側錄資料。」
除了電子郵件與簡訊的詐騙，聯合信用卡處理中心也發現，購買或捐贈防疫物資的詐騙案件，以及利用特約商店網站漏洞，透過網路測試刷卡，以獲取持卡人的資料後盜刷，都是大家要提高警覺的網路詐騙方式。
