The Countermeasure Research Of Network Application For Credit Card

During the fifty years of history, credit card has been developed rapidly，and itbecomes an important role in our daily life. It brings much more convenience forcustomers in fast shopping payment, personal financing. It promates payment andsettlement for business. It also brings huge profits for issuing banks.As a new type of tool, credit card gives us a life full of convenience andhigh-efficiency, but it also brings an opportunity that can be exploited for criminals.There has been some research of the traditional credit card crime, but mostly focuson the link of using the card, for example, the fake use of credit card, thecounterfeits of credit card, malicious overdraft and so on. It is not enough for theresearch of the application link.During the recent ten years, it’s a major way to sell credit cards through thebank tellers. It consumes much manpower and material resources.So the cost isexpensive for banks. During the popular process of internet finance, there is a newway for applying credit card on internet. It seizes the market rapidly because ofconvenience and high efficiency. Meanwhile, it includes much potential risk.So it isnecessary for us to do some countermeasure research of network application forcredit card. There will be some new procedure of network application for credit card, therisk in the application link and the law policy in this paper. Finally, the writer willpropose some countermeasure for network application for credit card.This paper is divided into four chapters except the introduction and conclusion:The first chapter is about the overview of the network application for creditcard. Firstly, it will introduce the whole status of credit card industry, thebackground of network application, and the necessity and feasibility of networkapplication. Secondly, it will introduce the service characteristics and advantage ofthe network application.The process is different from the bank outlets.The second chapter will introduce the laws and regulations of credit card, theconception of credit will be discussed again.The third chapter is about thinking. Firstly, the network application is nearlyno paper. so we will focus on the effect of evidence of the electronic syntheticimages. The illegal way to get credit card will be discussed here. Secondly, therewill be some research of the responsibilities of banks on the real name systemcertification. Lastly, the questions of subject crime, the credit card cash andjuris-diction are worthy of further discussion.There are some discussions on the evidential effect of electronic evidence, theresponsibilities of bank tellers when they verify the customers’ Identity-card, therange of subject of crime, the jurisdiction and so on.The fourth chapter is about the suggestion of credit card. There is a discussionon how to improve the legal system of credit card.