OVERVIEW OF FRAUDULENT SCHEMES WITH BANK CARDS

Abstract

In this article, it has been emphasized that the development of forensic
recommendations regarding the detection, documentation and pre-trial
investigation of bank card fraud, as well as regarding the organizational and
tactical support for conducting procedural actions in order to collect an
appropriate, reliable, admissible and appropriate evidentiary base, is considered
impossible without a preliminary clarification and review of the most widespread
and characteristic fraudulent schemes for the outlined sphere of public relations.
An analysis of scientific approaches to the systematization of methods of
committing fraud, including with bank cards, and analytical and reference
information on the most widespread fraudulent schemes in Ukraine has been
carried out. It has been found that bank card fraud is committed mainly using
information technologies, which greatly simplifies the achievement of the criminal intent, as it minimizes personal contacts of the criminal with his victims, expands
the “geography” and “spheres” of illegal activity, leaves fewer “traditional” traces
of criminal offenses, complicates the process of detecting, documenting and pre-
trial investigation of all episodes of criminal illegal activity, etc. It has been proven
that it is quite logical and justified to distinguish two groups of cybercrimes
against property, the structure of which also includes bank card fraud, depending
on the methods of their commission: cybercrimes against property committed
through psychological influence on a person, and cybercrimes against property
committed through influence on equipment. It has been emphasized that a
combination of both methods is increasingly common in the mechanism of
committing fraud with bank cards, in view of which it is proposed to additionally
distinguish mixed cybercrimes against property, which are committed
simultaneously using social engineering and influencing equipment.