University of Twente Student Theses


Carding : crime prevention analysis

Meijerink, T.J. (2013) Carding : crime prevention analysis.

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Abstract:This bachelor thesis focuses on carding, a type of cybercrime. This exploratory case study highlights aspects and processes of carding in order to find effective ways of combating it. The processes discussed in this study are phishing, skimming, making of counterfeit cards and money mules. This study searches for patterns and steps in those criminal processes of carding by using the best available information from police reports, other sources, (scientific) literature and online news articles on carding and its processes. Patterns are those actions or activities that emerge each time a carding scheme or process related to carding takes place. Think of activities, actors or tools. By using news articles online, which are not so reliable, relevant data and information can be retrieved for developing models and descriptions of several carding processes. The analyzed online news articles, relate to: carding arrests and suspects, what was going on, and the crime or activities of the suspects. The news articles are categorized for later comparison and development of clear patterns, so that models could be made to fight this crime. Although some literature explains what carding is and its relevant processes, none explains the sequence or variants of activities. The data gained from news articles and other literature complements the basic information only partly and leaves much room available for variation and commentary. By combining data from news articles and literature, models are created covering the most common carding scenarios (phishing, skimming, making of counterfeit cards and money mules). The models are in fact a summary of what is stated in the cited news articles. Using patterns and models, a barrier model can be created that may produce an effective way to prevent carding by intervening in the most effective places and ways by different authorities and organizations. This study helps people better understand the carding process and documents much of the carding knowledge found within the National High Tech Crime Unit (NHTCU) of the Netherlands‟ Police Agency. Eventually, researchers can compare these results with the results of other types of cybercrime studies with the aim of finding patterns related to cybercrime as a whole. The structure of this study is as follows. First, an introduction will be given followed by the objectives and research questions, the definitions used within this study and limitations of previous studies. After that, the methodologies, data collection and analysis are discussed. Once these issues are covered, the patterns that are recognized during the study are discussed in the results. Then, two barrier models based on the analysis and results are presented where the link with organizations and authorities, and opportunity-reducing techniques is added. Finally, a discussion follows, including the conclusions, recommendations, and concerns.
Item Type:Essay (Bachelor)
Netherlands Police Agency, the Netherlands
Faculty:BMS: Behavioural, Management and Social Sciences
Subject:88 social and public administration
Programme:Public Administration BSc (56627)
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