{"id":18824,"date":"2024-07-10T14:00:31","date_gmt":"2024-07-10T14:00:31","guid":{"rendered":"https:\/\/www.telesign.com\/?p=18824"},"modified":"2024-11-08T21:49:03","modified_gmt":"2024-11-08T21:49:03","slug":"understanding-credit-card-fraud","status":"publish","type":"post","link":"https:\/\/www.telesign.com\/zh-hans\/blog\/understanding-credit-card-fraud","title":{"rendered":"Understanding credit card fraud\u00a0"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Credit card fraud is a growing concern in today&#8217;s increasingly digital world. According to FBI Internet crime report data, the probability of being a credit card fraud victim in the US each year is approximately 1 in 26. As businesses and consumers rely more on electronic transactions, the opportunities for fraudsters to exploit vulnerabilities multiply. For businesses, the stakes are high\u2014not only in terms of financial losses but also in maintaining customer trust and complying with regulatory requirements. This blog aims to provide a comprehensive overview of credit card fraud, how it occurs, the industries most at risk, the profound impact it can have on businesses, and strategies to counter it.\u00a0<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"#\" data-href=\"https:\/\/www.telesign.com\/zh-hans\/blog\/understanding-credit-card-fraud\/#what-is-credit-card-fraud\" >What is credit card fraud?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"#\" data-href=\"https:\/\/www.telesign.com\/zh-hans\/blog\/understanding-credit-card-fraud\/#how-does-credit-card-fraud-happen\" >How does credit card fraud happen?&nbsp;&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"#\" data-href=\"https:\/\/www.telesign.com\/zh-hans\/blog\/understanding-credit-card-fraud\/#what-industries-are-most-at-risk-of-payment-fraud\" >What industries are most at risk of payment fraud?&nbsp;&nbsp;<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"#\" data-href=\"https:\/\/www.telesign.com\/zh-hans\/blog\/understanding-credit-card-fraud\/#e-commerce\" >E-Commerce&nbsp;&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"#\" data-href=\"https:\/\/www.telesign.com\/zh-hans\/blog\/understanding-credit-card-fraud\/#financebanking\" >Finance\/banking&nbsp;&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"#\" data-href=\"https:\/\/www.telesign.com\/zh-hans\/blog\/understanding-credit-card-fraud\/#travel-and-hospitality\" >Travel and hospitality&nbsp;&nbsp;<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"#\" data-href=\"https:\/\/www.telesign.com\/zh-hans\/blog\/understanding-credit-card-fraud\/#countering-credit-card-fraud\" >Countering credit card fraud&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"#\" data-href=\"https:\/\/www.telesign.com\/zh-hans\/blog\/understanding-credit-card-fraud\/#identity-authentication\" >Identity&nbsp;authentication<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"#\" data-href=\"https:\/\/www.telesign.com\/zh-hans\/blog\/understanding-credit-card-fraud\/#intelligence\" >Intelligence&nbsp;<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"what-is-credit-card-fraud\"><\/span><strong>What is credit card fraud?&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Credit card fraud is a form of identity theft that involves unauthorized use of someone else&#8217;s credit card information to make purchases or withdraw funds. This type of fraud can lead to significant financial losses for individuals and businesses, as well as damage to credit ratings and reputations. Fraudsters use various methods to obtain credit card information, ranging from physical theft to sophisticated cyberattacks, and businesses must remain vigilant to protect themselves and their customers.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"how-does-credit-card-fraud-happen\"><\/span><strong>How does credit card fraud happen?&nbsp;<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Credit card fraud can occur through several methods, each posing a unique threat:&nbsp;&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><strong>Skimming: <\/strong>This involves copying information from the magnetic strip of a credit card, typically using a small device attached to ATMs or point-of-sale terminals. The copied data is then used to create a counterfeit card.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Phishing: <\/strong>Fraudsters send fake emails or text messages that appear to be from legitimate sources, tricking individuals into providing their credit card details.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Data breaches:<\/strong> Hackers infiltrate company databases to steal large volumes of credit card information. These breaches often target businesses with inadequate security measures.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Account takeover: <\/strong>Cybercriminals gain access to an individual&#8217;s account by acquiring login credentials, often through phishing or data breaches, and then use stored credit card information to make unauthorized transactions.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Card-not-present (CNP) fraud<\/strong>: This occurs when fraudsters use stolen credit card information to make online or over-the-phone purchases. Since the physical card is not needed, it&#8217;s harder to verify the transaction.&nbsp;<\/p>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"what-industries-are-most-at-risk-of-payment-fraud\"><\/span><strong>What industries are most at risk of payment fraud?&nbsp;<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Some industries are particularly vulnerable to credit card fraud due to the nature of their transactions and the volume of credit card use.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"e-commerce\"><\/span><strong>E-Commerce&nbsp;<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Retail businesses, especially online retailers, are at high risk for credit card fraud. The convenience of online shopping means a higher frequency of CNP transactions, which are more challenging to secure. Fraudsters exploit this by using stolen credit card information to make purchases without needing physical access to the card. <a href=\"https:\/\/www.emarketer.com\/content\/spotlight-us-card-payment-fraud-losses-forecast-2022\">Card-not-present fraud is expected to account for 74% of all fraud cases in 2024<\/a>\u2014up from 57% before the pandemic in 2019. This dramatic increase poses new prevention challenges, particularly for online merchants, who face greater liability for this type of fraud compared to others. This alarming trend underscores the importance of robust security measures such as secure payment gateways, multifactor authentication, and advanced fraud detection systems for online retailers&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"financebanking\"><\/span><strong>Finance\/banking&nbsp;<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Banks and financial institutions are prime targets for credit card fraud due to the sensitive nature of the information they handle. Fraudsters aim to steal customer data, including credit card numbers, to commit fraud. This sector is constantly under attack from sophisticated cybercriminals who use methods like phishing, malware, and <a href=\"https:\/\/www.telesign.com\/blog\/dissecting-data-breaches-the-anatomy-of-a-breach\" target=\"_blank\" rel=\"noreferrer noopener\">data breaches<\/a> to infiltrate systems. The financial repercussions for banks can be severe, including direct financial losses and the costs associated with resolving fraud incidents, such as reimbursing affected customers and enhancing security protocols.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"travel-and-hospitality\"><\/span><strong>Travel and hospitality&nbsp;<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The travel and hospitality industries, encompassing airlines, hotels, and car rental companies, are also highly susceptible to credit card fraud. These businesses rely heavily on CNP transactions for bookings and reservations, making them attractive targets for fraudsters. In fact, <a href=\"https:\/\/merchantcostconsulting.com\/lower-credit-card-processing-fees\/credit-card-fraud-statistics\/\">CNP fraud represents 65% of total fraud losses<\/a> in the hospitality industry alone. Fraud in this sector can result in significant financial losses and operational disruptions. Additionally, the reputational damage to a business from being perceived as an unsafe option for customers can be profound.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"countering-credit-card-fraud\"><\/span><strong>Countering credit card fraud<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Driving growth and customer acquisition are priorities for every business. But without a proper onboarding framework, businesses are susceptible to financial damage caused by fraudulent accounts. Fake accounts are created using stolen email addresses, phone numbers, and usernames to build deceptive profiles designed to trick security checks. Fraudsters exploit onboarding weaknesses such as insufficient new account verification to make transactions using compromised credit cards.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The inclusion of a simple phone number into a digital transaction has the potential to steer a company clear of credit card fraud, protecting your platform against unexpected fraud attacks and their associated financial and reputational consequences. By adding a phone number field during account creation or checkout workflows, businesses can perform a real-time risk analysis.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Telesign arms those industries that are particularly vulnerable to credit card fraud with the information they need to keep out potential fraudsters by providing identity authentication and intelligence around phone numbers.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"identity-authentication\"><\/span><strong>Identity&nbsp;authentication<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.telesign.com\/products\/phone-id\" target=\"_blank\" rel=\"noreferrer noopener\">Phone ID<\/a> gives businesses access to a global, comprehensive mobile identity dataset to quickly and accurately verify phone numbers and other contact information. It offers information on phone registration, carrier data, and more. Phone ID provides phone number insights to help detect fraudulent behavior, improve user experience, and support authentication. By tapping into extensive phone number data, companies can determine the right messaging channels and ensure SMS messages reach the proper destination. Phone ID helps streamline user flows and de-risk communication frameworks.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"intelligence\"><\/span><strong>Intelligence<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.telesign.com\/products\/intelligence\" target=\"_blank\" rel=\"noreferrer noopener\">Intelligence<\/a><strong> <\/strong>helps businesses understand the risk associated with a phone number in a moment in time, based on its attributes and recent activity. Within a fraction of a second, companies can decide which interactions to allow, and which require further evaluation before processing with real-time, risk-based data. Real-time risk analysis offers businesses a chance to reduce the number of fake accounts created on their platform and identify the potential fraud risk of new accounts. Intelligence also helps strengthen internal risk models by providing detailed risk reason codes and recommendations, enabling a comprehensive understanding of a phone number&#8217;s static and behavioral attributes.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Telesign\u2019s <a href=\"https:\/\/www.telesign.com\/products\/phone-id\" target=\"_blank\" rel=\"noreferrer noopener\">Phone ID API<\/a> and <a href=\"https:\/\/www.telesign.com\/products\/intelligence\" target=\"_blank\" rel=\"noreferrer noopener\">Intelligence API<\/a> help businesses gain extra security without materially impacting the conversion rates of legitimate new sign-ups. &nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To learn more about how Telesign can help safeguard your business from credit card fraud, <a href=\"https:\/\/www.telesign.com\/contact-sales\" target=\"_blank\" rel=\"noreferrer noopener\">talk to our experts<\/a> today.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Credit card fraud is a significant threat in today\u2019s increasingly digital world, with a 1 in 26 chance of victimization annually in the US.<\/p>\n","protected":false},"author":21,"featured_media":18924,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[68],"tags":[327,77,41],"class_list":["post-18824","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-security-tips","tag-credit-card-fraud","tag-intelligence","tag-phone-id"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Understanding credit card fraud\u00a0 - Telesign<\/title>\n<meta name=\"description\" content=\"Credit card fraud is a form of identity theft that involves unauthorized use of someone else&#039;s credit card information to make purchases or withdraw funds.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.telesign.com\/zh-hans\/blog\/understanding-credit-card-fraud\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Understanding credit card fraud\u00a0 - Telesign\" \/>\n<meta property=\"og:description\" content=\"Credit card fraud is a form of identity theft that involves unauthorized use of someone else&#039;s credit card information to make purchases or withdraw funds.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.telesign.com\/zh-hans\/blog\/understanding-credit-card-fraud\" \/>\n<meta property=\"og:site_name\" content=\"Telesign\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/TelesignCorp\/?utm_source=telesign.com\" \/>\n<meta property=\"article:published_time\" content=\"2024-07-10T14:00:31+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-11-08T21:49:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.telesign.com\/wp-content\/uploads\/2024\/07\/Credit-Card-Fraud-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Alejandra Salcedo\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u4f5c\u8005\" \/>\n\t<meta name=\"twitter:data1\" content=\"Alejandra Salcedo\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u9884\u8ba1\u9605\u8bfb\u65f6\u95f4\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 \u5206\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.telesign.com\\\/zh-hans\\\/blog\\\/understanding-credit-card-fraud\",\"url\":\"https:\\\/\\\/www.telesign.com\\\/zh-hans\\\/blog\\\/understanding-credit-card-fraud\",\"name\":\"Understanding credit card fraud\u00a0 - Telesign\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.telesign.com\\\/zh-hans#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.telesign.com\\\/zh-hans\\\/blog\\\/understanding-credit-card-fraud#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.telesign.com\\\/zh-hans\\\/blog\\\/understanding-credit-card-fraud#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.telesign.com\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/Credit-Card-Fraud-1.jpg\",\"datePublished\":\"2024-07-10T14:00:31+00:00\",\"dateModified\":\"2024-11-08T21:49:03+00:00\",\"description\":\"Credit card fraud is a form of identity theft that involves unauthorized use of someone else's credit card information to make purchases or withdraw funds.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.telesign.com\\\/zh-hans\\\/blog\\\/understanding-credit-card-fraud#breadcrumb\"},\"inLanguage\":\"zh-CN\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.telesign.com\\\/zh-hans\\\/blog\\\/understanding-credit-card-fraud\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"zh-CN\",\"@id\":\"https:\\\/\\\/www.telesign.com\\\/zh-hans\\\/blog\\\/understanding-credit-card-fraud#primaryimage\",\"url\":\"https:\\\/\\\/www.telesign.com\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/Credit-Card-Fraud-1.jpg\",\"contentUrl\":\"https:\\\/\\\/www.telesign.com\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/Credit-Card-Fraud-1.jpg\",\"width\":1200,\"height\":630,\"caption\":\"Credit card fraud alert of a card-not-present transaction.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.telesign.com\\\/zh-hans\\\/blog\\\/understanding-credit-card-fraud#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.telesign.com\\\/zh-hans\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Understanding credit card fraud\u00a0\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.telesign.com\\\/zh-hans#website\",\"url\":\"https:\\\/\\\/www.telesign.com\\\/zh-hans\",\"name\":\"Telesign\",\"description\":\"Phone Number, SMS &amp; Identity Verification APIs | Telesign\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.telesign.com\\\/zh-hans#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.telesign.com\\\/zh-hans?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"zh-CN\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.telesign.com\\\/zh-hans#organization\",\"name\":\"Telesign\",\"url\":\"https:\\\/\\\/www.telesign.com\\\/zh-hans\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"zh-CN\",\"@id\":\"https:\\\/\\\/www.telesign.com\\\/zh-hans#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.telesign.com\\\/wp-content\\\/uploads\\\/2023\\\/01\\\/62f4589601f1ea9dda43d66d_telesign-logo-generic.webp\",\"contentUrl\":\"https:\\\/\\\/www.telesign.com\\\/wp-content\\\/uploads\\\/2023\\\/01\\\/62f4589601f1ea9dda43d66d_telesign-logo-generic.webp\",\"width\":1200,\"height\":630,\"caption\":\"Telesign\"},\"image\":{\"@id\":\"https:\\\/\\\/www.telesign.com\\\/zh-hans#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/TelesignCorp\\\/?utm_source=telesign.com\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Understanding credit card fraud\u00a0 - Telesign","description":"Credit card fraud is a form of identity theft that involves unauthorized use of someone else's credit card information to make purchases or withdraw funds.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.telesign.com\/zh-hans\/blog\/understanding-credit-card-fraud","og_locale":"zh_CN","og_type":"article","og_title":"Understanding credit card fraud\u00a0 - Telesign","og_description":"Credit card fraud is a form of identity theft that involves unauthorized use of someone else's credit card information to make purchases or withdraw funds.","og_url":"https:\/\/www.telesign.com\/zh-hans\/blog\/understanding-credit-card-fraud","og_site_name":"Telesign","article_publisher":"https:\/\/www.facebook.com\/TelesignCorp\/?utm_source=telesign.com","article_published_time":"2024-07-10T14:00:31+00:00","article_modified_time":"2024-11-08T21:49:03+00:00","og_image":[{"width":1200,"height":630,"url":"https:\/\/www.telesign.com\/wp-content\/uploads\/2024\/07\/Credit-Card-Fraud-1.jpg","type":"image\/jpeg"}],"author":"Alejandra Salcedo","twitter_card":"summary_large_image","twitter_misc":{"\u4f5c\u8005":"Alejandra Salcedo","\u9884\u8ba1\u9605\u8bfb\u65f6\u95f4":"5 \u5206"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.telesign.com\/zh-hans\/blog\/understanding-credit-card-fraud","url":"https:\/\/www.telesign.com\/zh-hans\/blog\/understanding-credit-card-fraud","name":"Understanding credit card fraud\u00a0 - Telesign","isPartOf":{"@id":"https:\/\/www.telesign.com\/zh-hans#website"},"primaryImageOfPage":{"@id":"https:\/\/www.telesign.com\/zh-hans\/blog\/understanding-credit-card-fraud#primaryimage"},"image":{"@id":"https:\/\/www.telesign.com\/zh-hans\/blog\/understanding-credit-card-fraud#primaryimage"},"thumbnailUrl":"https:\/\/www.telesign.com\/wp-content\/uploads\/2024\/07\/Credit-Card-Fraud-1.jpg","datePublished":"2024-07-10T14:00:31+00:00","dateModified":"2024-11-08T21:49:03+00:00","description":"Credit card fraud is a form of identity theft that involves unauthorized use of someone else's credit card information to make purchases or withdraw funds.","breadcrumb":{"@id":"https:\/\/www.telesign.com\/zh-hans\/blog\/understanding-credit-card-fraud#breadcrumb"},"inLanguage":"zh-CN","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.telesign.com\/zh-hans\/blog\/understanding-credit-card-fraud"]}]},{"@type":"ImageObject","inLanguage":"zh-CN","@id":"https:\/\/www.telesign.com\/zh-hans\/blog\/understanding-credit-card-fraud#primaryimage","url":"https:\/\/www.telesign.com\/wp-content\/uploads\/2024\/07\/Credit-Card-Fraud-1.jpg","contentUrl":"https:\/\/www.telesign.com\/wp-content\/uploads\/2024\/07\/Credit-Card-Fraud-1.jpg","width":1200,"height":630,"caption":"Credit card fraud alert of a card-not-present transaction."},{"@type":"BreadcrumbList","@id":"https:\/\/www.telesign.com\/zh-hans\/blog\/understanding-credit-card-fraud#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.telesign.com\/zh-hans"},{"@type":"ListItem","position":2,"name":"Understanding credit card fraud\u00a0"}]},{"@type":"WebSite","@id":"https:\/\/www.telesign.com\/zh-hans#website","url":"https:\/\/www.telesign.com\/zh-hans","name":"Telesign","description":"Phone Number, SMS &amp; Identity Verification APIs | Telesign","publisher":{"@id":"https:\/\/www.telesign.com\/zh-hans#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.telesign.com\/zh-hans?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"zh-CN"},{"@type":"Organization","@id":"https:\/\/www.telesign.com\/zh-hans#organization","name":"Telesign","url":"https:\/\/www.telesign.com\/zh-hans","logo":{"@type":"ImageObject","inLanguage":"zh-CN","@id":"https:\/\/www.telesign.com\/zh-hans#\/schema\/logo\/image\/","url":"https:\/\/www.telesign.com\/wp-content\/uploads\/2023\/01\/62f4589601f1ea9dda43d66d_telesign-logo-generic.webp","contentUrl":"https:\/\/www.telesign.com\/wp-content\/uploads\/2023\/01\/62f4589601f1ea9dda43d66d_telesign-logo-generic.webp","width":1200,"height":630,"caption":"Telesign"},"image":{"@id":"https:\/\/www.telesign.com\/zh-hans#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/TelesignCorp\/?utm_source=telesign.com"]}]}},"_links":{"self":[{"href":"https:\/\/www.telesign.com\/zh-hans\/wp-json\/wp\/v2\/posts\/18824","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.telesign.com\/zh-hans\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.telesign.com\/zh-hans\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.telesign.com\/zh-hans\/wp-json\/wp\/v2\/users\/21"}],"replies":[{"embeddable":true,"href":"https:\/\/www.telesign.com\/zh-hans\/wp-json\/wp\/v2\/comments?post=18824"}],"version-history":[{"count":0,"href":"https:\/\/www.telesign.com\/zh-hans\/wp-json\/wp\/v2\/posts\/18824\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.telesign.com\/zh-hans\/wp-json\/wp\/v2\/media\/18924"}],"wp:attachment":[{"href":"https:\/\/www.telesign.com\/zh-hans\/wp-json\/wp\/v2\/media?parent=18824"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.telesign.com\/zh-hans\/wp-json\/wp\/v2\/categories?post=18824"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.telesign.com\/zh-hans\/wp-json\/wp\/v2\/tags?post=18824"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}