• Review of KIISC
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• v.23 no.6
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• pp.41-48
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• 2013

전자금융 사기범이 전화, SMS, 이메일을 통하여 통신회사, 경찰청, 검찰청 및 금융감독당국 등을 사칭하여 피해자로 하여금 사칭기관의 위장 홈페이지로 유도하여 피해자의 금융 정보를 불법적으로 취득하여 피해자의 금융자산을 인출해나가는 금융 분야에서 발생하는 특수 사기범죄의 피해가 줄지 않고 있다. 이에 대한 대책으로 금융감독당국과 금융회사는 지연인출제도, 카드론 취급 강화, 공인인증서 재발급 및 사용절차 강화, 대포통장종합관리시스템 구축 및 홍보 강화를 하고 있지만 이들 방법은 전자금융사고 피해가 추정되는 고객뿐만 아니라 그렇지 않은 대다수 정상적인 전자금융거래 이용자에 대한 전자금융거래의 불편을 야기하고 있으며 전자금융사고 발생중의 실시간 이상증후 탐지를 반영하고 있지 않다. 본 논문에서는 금융회사 홈페이지에서의 전자금융거래 이용자의 접속행위, 공인인증서 사용행위, 온라인 송금행위 측면에서 거래행위를 분석하여 전자금융사고 혐의 이상증후에 대해 금융회사의 실시간적이고 능동적으로 대응하는 방안을 제시한다.

• Proceedings of the Korea Information Processing Society Conference
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• 2012.04a
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• pp.69-72
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• 2012

최근 인터넷의 스마트폰 애플리케이션 개발을 통해 사용자들에게 편리한 위치기반 서비스, 증강현실 시스템이 소개되고 있다. 최근 보이스피싱 등의 전화사기 행위가 사회적 문제로 부각되고 있다. 부동산거래 사기에 의한 피해 역시 지속적으로 발생하고 있으며(대법원93다2629,2636 등), 매매과정에서 착오/과실에 의한 부동산 거래 소송(대법원92다38881, 2000다12259 등)역시 지속적으로 발생하고 있다. 부동산 거래현장에서 실시간으로 부동산 등기내역, 실거래가, 공시가격, 거래내역, 개발계획 등의 공공정보를 제공하는 스마트폰 애플리케이션 개발한다. 즉, 증강현실, GPS에 근거한 정확한 위치 및 물건에 대한 정보를 확인할 수 있으므로, 사기/착오/과실/부주의에 의한 부동산 거래를 방지한다. 결과적으로, 부동산 사기로 인한 소송 등 불필요한 사회적 비용을 획기적으로 절감할 수 있는 장점이 있다. 뿐만 아니라, 부동산 실수요자 거래활성화를 유도하는 정부정책에 부합 건전하고 정확한 부동산 거래 활성화에 기여할 것이다.

• Information Systems Review
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• v.5 no.1
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• pp.49-60
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• 2003

The purpose of this study is to empirically and practically verify the applicability of visualization data mining tool in detecting real-word insurance frauds that are now emerged as one of the most serious problems socially and economically. For the verification, Analyst's Notebook by i2, which has been known as the most effective visualization data mining tool, was adopted. With Analyst's Notebook, fraud-probable insurance transactions from a very large insurance claims are selected and then substantiation for insurance frauds are attempted. The results show that Analyst's Notebook not only detects insurance fraud transactions from a vast number of insurance claims, but is also able to pinpoint organized crime group by associating one fraud transaction to another fraud transaction. Therefore, it is safe to conclude that visualization data mining is very effective in detecting false transactions and crime behaviors including insurance fraud.

• The Journal of the Korea institute of electronic communication sciences
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• v.19 no.1
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• pp.173-180
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• 2024

Along with its importance, the real estate market poses risks of various fraudulent activities. Recently, a surge in real estate-related scams, such as lease fraud, has caused great financial damage to many ordinary people. These problems are often caused by the complexity of real estate transactions and information imbalance. Therefore, there is an urgent need to secure reliability and improve transparency in the transaction process. In this paper, to solve this real estate fraud problem, we propose a chatbot system using digital technology and artificial intelligence, especially GPT (Generative Pre-Trained Transformer). This system serves to protect users from fraud by providing them with precautions and confirmations in the lease transaction process. In addition, GPT-based chatbots respond to questions from users in time, contributing to reducing uncertainty in the transaction process and increasing reliability.

• Information Systems Review
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• v.23 no.4
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• pp.45-67
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• 2021

As the transaction volume of the C2C second-hand market is growing, the number of frauds, which intend to earn unfair gains by sending products different from specified ones or not sending them to buyers, is also increasing. This study explores the model that can identify frauds in the online C2C second-hand market by examining the postings for transactions. For this goal, this study collected 145,536 field data from actual C2C second-hand market. Then, the model is built with the characteristics from postings such as the topic and the linguistic characteristics of the product description, and the characteristics of products, postings, sellers, and transactions. The constructed model is then trained by the machine learning algorithm XGBoost. The final analysis results show that fraudulent postings have less information, which is also less specific, fewer nouns and images, a higher ratio of the number and white space, and a shorter length than genuine postings do. Also, while the genuine postings are focused on the product information for nouns, delivery information for verbs, and actions for adjectives, the fraudulent postings did not show those characteristics. This study shows that the various features can be extracted from postings written in C2C second-hand transactions and be used to construct an effective model for frauds. The proposed model can be also considered and applied for the other C2C platforms. Overall, the model proposed in this study can be expected to have positive effects on suppressing and preventing fraudulent behavior in online C2C markets.

• The Korean Journal of Financial Management
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• v.23 no.1
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• pp.227-242
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• 2006

This paper analyzes insurance crimes using a game theoretic model. In blackmailing cases involving automobile accidents, insurance criminals deliberately induce innocent drivers(victims) to commit a moving violation such as crossing over the center dividing yellow line, and collide with the victims. After the collision, the criminals and the victims effectively engage in a bargaining game over the amount of the settlement for the damage. Because the penalty for that kind of moving violation is very severe (even criminally prosecuted), the victims do not have much bargaining power. Exploiting the weak bargaining power of the victims, the criminals demand and receive huge compensation (including settlement) from the victims. In the model, it is shown that under the current law agents have perverse incentives leading to insurance crimes. The criminals have incentive to induce car collisions and extract huge settlement from the victims. Based on the analysis, it is suggested that lowering the severity of penalty for certain kind of violation may be needed to prevent insurance crimes, in addition to increasing the crime investigation activities and strengthening punishment for insurance criminals.

• THE INTERNATIONAL COMMERCE & LAW REVIEW
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• v.67
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• pp.119-142
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• 2015

Many insurers have traditionally incorporated "fraud clauses" into insurance policies, setting out the consequences of making a fraudulent claim. Even in the absence of an express terms, English courts provide insurers with a remedy for a fraudulent claim. However, the law in this area is complex, convoluted and confused. English Law Commission think that the law in this area needs to be reformed for three reasons; (1) the disjunctive between the common law rule and section 17 generates unnecessary disputes and litigation, (2) increasingly, UK commercial law must be justified to an international insurance society, and (3) the rules on fraudulent claims are functioned as a deterrent if they are clear and well-understood. In order for these purposes, English Law Commission recommends a statutory regime to the effect that, when an insured commits fraud in relation to a claim, the insurer should (1) have no liability to pay the fraudulent claim and be able to recover any sums already paid in respect to the claim, and (2) have the option to treat the contract as having been terminated with from the time of the fraudulent act and, if chosen the option, be entitled to refuse all claims arising after the fraud, but (3) remain liable for legitimate losses before the fraudulent act. LC is not recommending a complete restatement of the law on insurance fraud generally. For example, LC does not seek to define fraud, instead, recommends the introduction of targeted provisions to confirm the remedies available to an insurer who discovers a fraud by a policyholder.

• 정보화사회
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• s.88
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• pp.26-29
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• 1995

최근 정보통신기술의 혁신적인 발달에 따른 PC홈쇼핑과 홈뱅킹이 보편화되면서 그 역기능으로 안전성과 신뢰성을 위협하는 사고가 종종 발생하고 있다. 이에 이번호에서는 정보화의 역기능 문제를 사례별로 분석하고 그 방지대책을 법적측면에서 살펴본다.

• The Journal of the Korea Contents Association
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• v.6 no.9
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• pp.85-97
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• 2006

Schemes to case analysis and cope with on-line game crimes net supervision system, a real name confirmation process, and a self-examination system to check by themselves if they are addicted to on-line games with a view to prevent the addiction. In addition, this study found that general precuations should comprise measures to change the awareness of the users of the internet and to establish their ethical senses because most on-line garners are not aware that their actions are a crime and believe their crimes are not disclosed to the outsiders.

• Vending industry
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• v.2 no.7 s.8
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• pp.62-65
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• 2003

소자본 투자로서의 자판기 사업은 매력적인 영역이다. 최소의 투자로도 부업을 시작할 수 있다는 점이 최대 강점으로 작용한다. 그래서 돈 많은 사람들이 자판기 운영사업에 투자하는 경우보다 주로 서민들의 투자 비중이 높은 특성을 갖는다. 그렇다보니 대개의 자판기 사업정보는 서민을 주 타깃으로 삼고 있다. 그들의 내재된 투자심리를 최대한 수면위로 끌어 올리는 일이 자판기 마케팅의 핵심이다. 소비자 입장에서 보면 알찬 부업에 투자를 해서 기대 수익을 충족시킬 수 있다면 더할 나위가 없을 것이다. 하지만 반대의 경우에 있어 문제가 생긴다. 특히 판매처의 악의적 사기에 가까운 영업행위로 피해를 보게 된다면 소비자의 분노와 절망은 클 수밖에 없다. 지난해부터 이러한 소비자 피해가 크게 늘고 있다. 순진한 소비자들이 그저 업체가 부풀려 제공하는 사업정보에 현혹되어 큰 피해를 보는 경우가 다반사로 발생하고 있는 것. 이제는 소비자들도 자판기 사업성을 제대로 보는 안목을 가져야 할 때이다. 적어도 사기성 짙은 업체와 품목은 가려서 투자할 줄 아는 안목이 있어야 리스크 요인을 최소화할 수 있다. 이러한 취지 하에 소비자 입장에서 자판기 사업정보를 접할 시, 유의할 사항들을 정리해 봤다. 이런 사항들만 조심해도 크게 피해를 보는 경우는 없을 것이다.