• Journal of Information Technology Services
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• v.15 no.2
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• pp.35-49
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• 2016

With the gradual development of IT technology, voice phishing victims are increasing in number. In the past when only voice phone calls were made, personal information or financial information were stolen mainly by a direct phone call, but recently, as smart phones are widely in use, it is evolving into a way such as smishing that leads an access to a site with malicious codes spreading out. Since it is easy to run away after committing a crime, and trace are rarely left in case of voice phishing, it is difficult to find out criminal. In addition, it is most likely that a victim be would be exposed to further damage from another voice phishing. Its technique is growing in kinds and turning more intelligent day by day; Therefore, its victims are increasing in number. Previous researches mainly focused the area of legal studies while the factors exposed to voice phishing have not been made. Therefore, this study has analyzed the motifs in which voice phishing is done to draw out its outcomes as follows. First, a victim comes to trust the criminal by the factors of favorability, rare message, and mutuality. Second, the more sophisticated the technique of a criminal, the more likely a victim is exposed to voice phishing.

• Korean Security Journal
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• no.62
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• pp.185-203
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• 2020

While overall crime has been on the decline since 2009, voice phishing has rather been on the rise. The government and academia have presented various measures and conducted research to eradicate it, but it is not enough to catch up with evolving voice phishing. In the study, researchers focused on catching criminals and preventing damage from voice phishing, which is difficult to recover from. In particular, a voice phishing prediction method using the Fraud Detection System (FDS), which is being used to detect financial fraud, was studied based on the fact that the victim engaged in financial transaction activities (such as account transfers). As a result, it was conceptually derived to combine big data such as call details, messenger details, abnormal accounts, voice phishing type and 112 report related to voice phishing in machine learning-based Fraud Detection System(FDS). In this study, the research focused mainly on government measures and literature research on the use of big data. However, limitations in data collection and security concerns in FDS have not provided a specific model. However, it is meaningful that the concept of voice phishing responses that converge FDS with the types of data needed for machine learning was presented for the first time in the absence of prior research. Based on this research, it is hoped that 'Voice Phishing Damage Prediction System' will be developed to prevent damage from voice phishing.

• Journal of Digital Contents Society
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• v.19 no.1
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• pp.193-198
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• 2018

In Korea, the penetration rate of Internet, telephone and smart devices is reaching the highest level in the world. Cyber financial crimes that exploit such infrastructures continue to evolve. Since the first Voice Phishing crime in May 2006, ten years later, there has been a constant occurrence of Voice Phishing crime. Voice Phishing is a crime in which a victim is phoned for false information to figure out the victim's account number and password. This method of Voice Phishing evolves day by day, and it is difficult to investigate. Most of Voice Phishing is a form of international organized crime that is based in Southeast Asia such as China, and it is not easy to eradicate by international cooperation investigation. The purpose of this study is to investigate the actual situation and case analysis of Voice Phishing crime, and to propose the countermeasures against police Voice Phishing counterplan.

• The Journal of the Korea Contents Association
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• v.12 no.7
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• pp.176-182
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• 2012

Voice Phishing finds out personal information illegally using electrification and it is confidence game that withdraw deposit on the basis of this. It appeared by new social problem as damage instances increase rapidly. Target of the damage is invading indiscriminately to good civilian and is crime that commit by foreigners such as a most Chinese, Formosan. Voice Phishing can be crime type of new form in terms of criminal practice is achieved in the foreign countries. Therefore, this study wishes to analyze present occurrence actual conditions and example, and search effective confrontation plan regarding Voice Phishing. Voice Phishing criminal offense is growing as crime is not eradicated in spite of continuous public relations and control, and technique is diversified and specializes preferably. Hereafter, confrontation plan about problem may have to be readied in banking communication investigation to eradicate Voice Phishing. Also, polices control activity may have to be reinforce through quick investigation's practice and development of investigation technique, and relevant government ministry and international mutual assistance cooperation such as the Interpol should be reinforced because is shown international crime personality.

• Journal of the Korea Convergence Society
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• v.6 no.1
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• pp.85-91
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• 2015

Recently government has distributed precautionary measure and response procedures for smishing(SMS phishing), pharming, phishing, memory hacking and intensified Electronic Financial Transaction Act because of the sharp increase of electronic bank frauds. However, the methods of electronic bank frauds also developed and changed accordingly so much it becomes hard to cope with them. In contrast to earlier voice phishing targeted randomizing object, these new methods find out the personal information of targets and analyze them in detail making a big data base. And they are progressed into new kind of electronic bank frauds using those analyzed informations for voice phishing. This study analyze the attack method of voice phishing blended with the Big Data of personal informations and suggests response procedures for electronic bank frauds increasingly developed. Using the method to save meaningless data in a memory, attackers cannot deduct accurate information and try voice phishing properly even though they obtain personal information based on the Big Data. This study analyze newly developed social technologic attacks and suggests response procedures for them.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.29 no.1
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• pp.149-164
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• 2019

Digital Transformation and the Fourth Industrial Revolution, electronic financial services should be provided safely in accordance with rapidly changing technology changes in the times of change. However, telecommunication finance fraud (voice phishing) accidents are currently ongoing, and various efforts are being made to eradicate accidents such as legal amendment and improvement of policy system in order to cope with continuous increase, intelligence and advancement of accidents. In addition, financial institutions are trying to prevent fraudulent accidents by improving and upgrading the abnormal financial transaction detection system, but the results are not very clear. Despite these efforts, telecommunications and financial fraud incidents have evolved to evolve against countermeasures. In this paper, we propose an intelligent over - the - counter financial transaction system modeled through scenario - based Rule model and artificial intelligence algorithm to prevent financial transaction accidents by voice phishing. We propose an implementation model of artificial intelligence abnormal financial transaction detection system and an optimized countermeasure model that can block and respond to analysis and detection results.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.28 no.6
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• pp.1475-1487
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• 2018

To verify remitter's identity when the remitter transfers money to a recipient using an electronic financial service provided by the financial institution, the remitter inputs the information; such as the withdrawal account number, the withdrawal amount, the password pre-registered with the financial company, or the information from authenticating medium that is previously distributed by the financial institution. However, the 1-Way transaction between the financial institution and the remitter is exposed to a great risk of accidents such as an anomaly remittance or a voice phishing fraud. Therefore, in this study, we propose a 2-WAY trade verification model for electronic financial transaction that can be mutually agreed by allowing the recipient to share the transaction information with the remitter and the financial company. We have improved the traditional electronic financial transaction's method by replacing it to 2-WAY trade method, and it is used for various purposes; such as preventing an error within the remittance or voice phishing fraud, enhancing loan transaction and contract transaction, etc. Through these variety of applications, we are expecting to reduce the inconveniences while improving the convenience of financial transaction and vitalizing the P2P transaction of financial institution.

• Journal of Digital Convergence
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• v.16 no.7
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• pp.9-17
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• 2018

Recently, much attention in electronic financial fraud has been dramatically increased. In particular, the electronic financial fraud has been transforming to social engineering. Despite the growing interest in electronic financial fraud, few guidelines exist how to effectively avoid the serious damage from electronic financial fraud. Moreover, it is rarely investigated cases of victims from financial fraud. Therefore, the purpose of this study is to investigate why financial fraud crime victims occurs. To enhance mundane realism, we conducted Focus Group Interview(FGI) with actual victims from financial fraud crime. Drawing analysis of FGI with actual victims, we found that there are certain damage patterns. Further, we found that the reason why financial fraud crime victims occurs is optimistic biases of humans rooted in behavioral economics. Therefore, this study provides the valuable guidelines and directions to prevent electronic financial fraud based on risk and crisis management perspective. Ultimately, this study is able to help the establishment and implementation of a comprehensive electronic financial fraud prevention policy.

• Journal of Service Research and Studies
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• v.5 no.2
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• pp.111-118
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• 2015

Although the development of mobile devices are made us a free life, they were displayed the subject of this financial crime and attacking forces in the other side. Among finance-related crime is become a serious crime that are targeting smartphones by SMS phishing, phishing, pharming, voice phishing etc. In particular, SMS phishing is increased according to phenomenon using the nature of a text message in the mobile. SMS phishing is become new crime due to the burden to the smartphone user. Their crime is also the advanced way from the existing fraud, such as making the malicious apps. Especially it generates loopholes in the law by a method such as using a foreign server. For safe from SMS phishing attacks, proactive pre-diagnosis is even more important rather than post responses. It is necessary to deploy blocking programs for detecting SMS phishing attacks in advance to do this. In this paper we are investigating the process of block types and block apps that are currently deployed and presenting the evaluation of the application of the detection block setting app.

• The Journal of the Convergence on Culture Technology
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• v.4 no.1
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• pp.193-200
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• 2018

This study is an experiential case study of cybercrime fraud that combines pharming and voice phishing in April 2017. Research on victims who have actually suffered in the study of crime or disaster is a very useful field in establishing crime prevention measures. This study is significant in that Korea is relatively poor in this kind of research. I got cyber fraud as a consequence of my loss of reasonable judgment due to mental confusion when a companion dog who was raised for 8 years was in a very dangerous situation with cystitis. Fortunately, I received all the damages in a quick report, but the period was eight months. It took too much time to get back all the damages, so I had to suffer another pain. Based on my experience, I suggest damage prevention measures. First, when a certain condition and a certain amount are transferred, the transaction is automatically stopped or a more strict confirmation procedure is added. Secondly, trafficking means to arrest the perpetrator without any harm to the victim is sought. Third, the victims of crime should be promptly reimbursed for damages or a system for lending their living funds to zero or lower interest rate.