The potential for fraud is a major hurdle in the evolution and growth of online commerce. E-payment and e-banking services -- the focus of this book -- suffer substantially from public mistrust.
Given the growth of online ID theft, many OECD member countries have taken steps to ensure that consumers and Internet users are adequately protected. These steps encompass various measures: consumer and user-awareness campaigns, new legislative frameworks, private-public partnerships, and industry-led initiatives focused on technical responses.
The purpose of this book is threefold:
Part I. The Scope of Online Identity Theft
Chapter 1. The Problem Posed by Online Identity Theft
A new Internet landscape | What is identity theft? | ID theft’s main elements
Chapter 2. Online Identity Theft: Tools of the Trade
ID theft based solely on malware | Key drivers of online ID theft: Phishing and its variants | Phishing techniques | Phishing evolution and trends | What online ID thieves do with the data: credit card fraud
and other abuses
Chapter 3. The Impact of Online Identity Theft
Defining the victims | Victims’ direct and indirect losses | Are there more victims off line than on line? | Remediation tools for victims
Part II. Addressing Online Identity Theft
Chapter 4. The Role of Government
How OECD countries currently define ID theft | The option of criminalising ID theft | Public education and awareness campaigns | Annex: ID Theft - Education and Government Initiatives
in OECD Countries | Annex: United States Initiatives to Combat Identity Theft
Chapter 5. Private Sector Initiatives: What Role for Industry and Internet Service Providers?
A serious private-sector threat | Annex: Private-Sector Initiatives to Educate Consumers about ID Theft
Chapter 6. International, Bilateral and Regional Initiatives
International organisations | International informal networks | Annex: Multilateral Instruments Addressing Online ID Theft | Annex: United Nations Study on Identity Fraud
Chapter 7. Online Identity Theft: What Can Be Done?
Enhancing education and awareness | Dissemination of information | Co-ordination of education initiatives | Authentication and data security | Electronic authentication | Areas for further work
Chapter 8. Conclusions and Recommendations
Part III. OECD Policy Guidance on Online Identity Theft
Introduction | Ways that education and awareness could be enhanced to prevent online ID theft | Data security | Electronic authentication | Further work
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