偽造信用卡犯罪集團犯罪歷程之實證研究

「偽卡犯罪集團」透過各種不法方式盜取不知情民眾之信用卡資料，進而複製與真卡完全相同並可輕易取得發卡銀行交易授權之偽卡，並持以盜刷謀取不法利益之「偽造信用卡犯罪」於二○○○年至二○○二年間合計造成約新台幣近七十億新台幣之損失。本研究採取「個案研究」與「深度訪談」之方式以「潛在犯罪人－偽造信用卡犯罪集團份子」之說法為出發點，並佐以「相關專業人士」之說法及所蒐集之相關文獻（實證）資料，嘗試揭發「偽卡犯罪集團」之犯罪歷程以及其中不為人知之深層秘密，提供另類思考方向，俾強化執法單位人員對「偽造信用卡犯罪案件．相關議題之了解，與偵辦能力。

關鍵字

偽卡犯罪集團；犯罪歷程；犯罪分工

並列摘要

Accompany with highly development of electronic technology and opening policies of financial management, criminal acts and fraud techniques that making use of credit cards by credit card fraud group are also renew continuously. The Counterfeit credit card crime created highest harm in variety of credit card fraud schemes and had been cost cardholders and issuers almost NT 70 hundred million in Taiwan from 2000 to 2002. This study is aimed to investigate criminal processes and criminal thinking patterns among offenders of credit card fraud group. In order to understand how cognitive structures make impacts on offenders' criminal acts deeply, research fellow use case study and in-depth interview as research ways to proceed empirical study with credit card fraud group offenders and other professionals.