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NCJ Number: 156508 Find in a Library
Title: Payment Card Offences: A Study of Bank and Credit Frauds and Offenders (From Research Report Summaries 1994, P 13-20, 1995)
Author(s): A Kinnunen; H Niemi; R Siren
Date Published: 1995
Page Count: 8
Sponsoring Agency: National Research Institute of Legal Policy
Helsinki , FI-00531
Publication Number: 123
Sale Source: National Research Institute of Legal Policy
POB 444
Pitkansillanranta 3 A
Type: Survey
Language: English
Country: Finland
Annotation: An overview of payment card offenses in Finland is presented, based on data collected by Statistics Finland on bank and credit card offenses reported to the police in 1988.
Abstract: An important distinction between various types of payment card offenses was whether the offender had lawful possession of the card or whether the card had been unlawfully obtained by someone else. According to the study, the card owner was responsible for about one-third of payment card offenses. When the card owner misused the card, most cases involved exceeding the credit limit or using a bank card for payments even though the account had insufficient funds. A payment card belonging to someone else was usually used to buy goods and services. In addition, the offender often succeeded in using the payment card to withdraw money from the owner's account at an automatic teller machine. Analysis of police reports showed that, in three of four cases, the victim's payment card had been stolen. In 20 percent of cases, someone apparently kept a lost card; in 6 percent of cases, the victim lost the card in the course of a robbery. In theft cases, the object in question was almost always the victim's wallet, handbag, or shopping bag. Persons misusing a payment card generally acted alone; there was no evidence of organized crime involvement. Those guilty of payment card offenses were not predominantly first-time offenders. During 1988, payment card offenses caused a loss of roughly $2.5 million.
Main Term(s): World criminology
Index Term(s): ATM-related crimes; Bank fraud; Credit card fraud; Crime in foreign countries; Finland; Victims in foreign countries
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