Abstract
The writer of this paper defines identity theft as a crime that is committed in which someone wrongfully obtains and uses the personal information of someone else. This paper explores this particular problem and its impact on society. This paper details the various methods of identity theft. The reports of incidence most frequently involve the withdrawal of money from a personal bank or financial account, while the worst cases involve completely pilfered identities, with vast debts accumulated and crimes committed in the victim's name. This paper delves into published reports which claim that identity fraud is the fastest growing crime in the U.S., with over 9.9 million victims reported. The writer discusses the flaws in technology that enable computer hackers to obtain one's personal information as well as the available strategies to thwart this growing problem. This paper details the workings behind mandatory internet service provider coverage, which is among the most feasible solutions to the problem of identity fraud. This paper also examines various cases involving identity theft and fraud, including that of ChoicePoint, who recently announced that the personal information of 145,000 members had been stolen by thieves.

From the Paper
"The use of privacy software by the ISPs would establish an early wall of protection and an immediate source of blame; for example, in the case of the Lowe's security breach, while hackers were at fault for committing the actions, the wireless networking system that made the whole so gaping a twenty year old in a Grand Prix could step through it suggests a critical lack of responsibility on behalf of the service provider as reflected in their software. The May 10 Hearings on Identity Theft and Data Broker Services, as documented by the Sensenbrenner Advocates Watchdog for Judiciary lobby group would suggest that the Federal Government agrees. Testimonies included Kurt Sanford, President and C.E.O at LexisNexis, Douclas Curling, President and CEO at ChoicePoint, Jennifer Barret, the Chief Privacy Officer at Axcom, and Mark Rotenberg, President and executive Director at Electronic Privacy Information Center, among others."

Tags:crime, technology, internet, online, identification, personal, information, finance, fraud

Abstract
Discusses the background and prevalence of identity theft or fraud and the materials used for fraud, including social security, PIN, and bank account numbers, and the types of identity fraud including credit card, bank, and government benefits.

From the Paper
" What is Identity Fraud?
A. Definition
A Social Security Administration website defines "identity theft" - a term synonymous with identity fraud - as occuring when "a criminal uses another person's personal ..."

Abstract
The paper discusses the steps an individual can take in order to protect his identity and shows how important it is to be able to detect suspicious behavior and activity everywhere. The actions that consumers can take if they have been the victim of identity theft are explained and the ways in which identity fraud has been dealt with by different companies is outlined. The paper also relates the results of a survey where five people were questioned concerning their experiences and opinions regarding identity theft.

From the Paper
"The largest transaction a family, or individual will make is when they purchase a home. The first step in buying a home is to make sure that the family and/or the individual understand the risks of identity theft and how serious it can become. The Federal trade commission receives 15,000 to 20,000 consumer complaints every week. Identity theft can ruin a person's credit and derail that person's real estate dreams.
"In fact, many consumers first learn they are victims of identity theft when they are in the process of renting or buying a home. This means that a person's or family's real estate dreams can be dashed in a moment because they were unknowingly a victim of identity theft. There are different avenues of choice a person can make in deterring identity theft and ensuring that one does not become a victim of such a crime."

Tags:fraud, credit, card, social, security, number, security, privacy

Abstract
This paper attempts to identify the different types of insurance fraud perpetrated today and to evaluate their effect on the insurance industry and society at large. After tax evasion, insurance fraud is considered the highest-ranked among white-collar crimes. It provides a history of insurance, examines in detail the main types of insurance frauds currently around and discusses the measures that can be taken to help prevent and reduce the number of fraudulent claims.

Table of contents:
Abstract
Introduction
History of Insurance
Insurance Fraud
How Insurance Frauds Affect Society
Classification of Fraud by Insurance Companies
Insurance Fraud Status as a Crime
Types of Insurance Frauds
Staged Auto Accidents
Arson-for-Profit
Health Insurance Fraud by Individuals and Corporations
Workers' Compensation Fraud
Property/ Casualty Insurance Fraud
Agent Fraud
Fake and Real Deaths to Collect Life Insurance Money
Identity Fraud
Efforts to Reduce Insurance Fraud
Conclusion

From the Paper
"One of the most famous insurance providers in the world today, Lloyd's of London came into existence in 1688. Edward Lloyd owned a coffeehouse in London where merchants and bankers evaluated the risk of the maritime operations of seafaring vessels used for trading among the various British colonies and those used for prospecting new lands. Financiers for the expensive endeavors and trips to far off lands invested huge amounts of money in the hope that the voyages would be successful. Ship captains required money for supplies and goods, and would offer to embark on these dangerous trips with the help of these financiers a potentially, mutually beneficial endeavor."

Tags:premiums, fraudulent, claims, crime, arson-for-profit, property, casualty, health

Abstract
This paper presents a brief history of both the term 'white collar' crime and of the investment market and devotes time to the white-collar crimes in the Waste Management scandal and the Savings and Loan crisis. The paper explores the different forms of mortgage fraud as well as their definitions, and how an individual and a company can prevent mortgage fraud or identity theft in general. The paper also discusses the ethical issues that arise with mortgage fraud.

Outline:
Introduction
Brief Overview of White Collar Crime
History of White Collar Crime
An Overview of the Investment Market
Business Ethics/ A Look at White Collar Crime
Mortgage Fraud

From the Paper
"Mortgage fraud is committed by individuals in a position of trust within a company's infrastructure. These individuals have gained enough trust to ensure that their clandestine activities as they relate to fraud will not be uncovered. These individuals are in breach of their company contracts by trading inside information and withholding opportunities for others in the form of larger profits. The individual is using their place of employment for personal gain through self dealing. Insider abuse may be related to fraud through the distribution of loans to insiders in excess of regulations. This includes high risk ventures, and speculative risks. It also includes the very high payment of exorbitant dividends during periods of insolvency within the company."

Tags:identity, theft, ethics, scandals, scams, forgery

Abstract
T|his paper explains the way to detect automobile insurance fraud and points out methods of investigating. The author relates sentencing for convicted fraud offenders. The paper reports the increasingly costly problem of auto insurance fraud.

From the Paper
"Americans pay an exorbitant amount of money each year to insure their vehicles for which they have also paid handsomely. ... Americans paid an estimated ... billion for auto insurance. Why are costs so high? One factor that plays into the soaring rates of automobile insurance is the dramatic increase in car insurance fraud. Consider this scenario. A typical driver is driving through town innocently minding their own business on the way to ..."

Tags:automobile insurance fraud, car insurance, fraud, schemes, fraudulent, identity theft, claimants, insured, insurance company

Abstract
The purpose of this paper is to examine the extent to which information technology approaches have acted to counter fraudulent activity over the last decade and whether such moves have been successful. In order to achieve this, the paper analyzes a variety of issues ranging from anti fraud measures that affect us all in our day to day lives, to the cutting edge technological approaches to the problem. Ultimately, it is shown that, although significant developments to counter fraud through the use of information technology have been witnessed, the aim of achieving total success is enormously complex and arduous.

From the Paper
"One of the most common examples where information technology has been utilized to prevent fraud is in the introduction of chip and pin measures with credit and debit cards. Initially this new technology was hailed as a breakthrough in the fight against fraud. The old system of using signature to verify ones identity was gradually replaced by a system that required the entry of ones pin number into a card terminal. Naturally, the reasons behind initial optimism are quite clear. When compared with the antiquated signature system, the chip and pin method appeared a significant step forward. Indeed, at first the results were very promising. Fraud relating to stolen credit cards fell considerably, particularly in relation to fraudulent purchases in stores (Card Watch, 2008). However, as I alluded to earlier fraudsters quickly adapted to the new system and began to utilize inherent deficiencies and other opportunities."

Tags:credit, card, identity, chip, pin

Abstract
Over the last few years, the number of reported cases of identity theft has skyrocketed, from 86,000 reported cases in 2001 to over 700,000 in 2002. It is by far the fastest growing crime in the United States. Perhaps what is even scarier than the crime itself is the ease with which the crime can be pulled off. Discusses the crime of identity theft, ways in which it occurs, ways to prevent it and what to do if it does occur. The paper also investigates the way in which the internet has contributed to the rise in identity theft.

From the Paper
"Experts have suggested many different ways to reduce the risk of being a victim of identity theft. Many of these suggestions are extremely easy and worth the trouble. The first suggestion is to tear up all credit card bills, bank statements, and any other sort of document that has personal information on it. The next suggestion is that social security numbers should be kept as private as possible. They stress that the social security card should not be carried around, and that social security and drivers license numbers not be written on checks. They also say that social security numbers, along with all personal information should never be given out unless the person asking for it has a good reason to need it. Another way to prevent possible identity theft is to always be on the look out for people that may be eavesdropping on conversations or watching what is being written down. This prevents the "shoulder surfing" technique. The next tip is to never respond to suspicious E-mails or phone solicitors. This is especially true of E-mails and solicitations that request identifying information."

Tags:card, credit, fraud, hacking

Abstract
This paper examines how using the knowledge of computer technology to commit various illegal acts has risen over the years and in particular focuses on identity theft. It looks at how high-tech means of identity theft include methods like backdoor entries, use of bots, hacking, and phishing, and suggests preventive steps to stop it occurring, such as cautious use of the internet.

From the Paper
"Credit card fraud is one of the most commonly used identity thefts. In this case, the thief calls up a credit card company claiming to be the victim and informs them about a change in the mailing address of an account which already exists. Alternatively, the thief can open an entirely new credit card account in the name of the victim. Now the thief can start using the credit card to buy goods or services without paying for them. Since the bills are now sent to another address, the victim does not even come to know that his credit card information has been stolen and is being misused. The second most common type of identity theft is the phone and utilities fraud which occurs when a thief signs up for services like cell phone services, long distance services, and other utilities in the name of the victim. The third category of identity theft involves bank accounts. Here, an identity thief opens an account in a bank in the name of the victim...."

Tags:internet, fraud, credit, card

Abstract
In this article, the writer expounds upon the points of identity theft. The writer first explains what identity theft is and then looks at the different ways that it is incorporated into fraud. The writer also discusses how it can be prevented and looks at the laws against identity theft. In addition, the paper focuses on the risks of using online tools to exchange information that can easily be obtained by an identity thief and ways that the average consumer can deal with identity theft if he ever becomes a victim.

Outline:
Definition of Identity Theft
Ways to Prevent Identity Theft
Identity Theft and the Government
Security Awareness
Conclusion

From the Paper
"In order to secure against hackers Babbitt states that a person should equip their computer with anti-spyware programs. Also, in the issue of prevention a consumer should also update their computer when Microsoft offers updates, and to always use password identification for every log-in on the computer and to change this password at least once a month or even once every two weeks. Another effect of protection against identity theft is to not respond to bank emails and to always deal directly with a representative of a bank and not with a machine. Babbitt continues to state that a consumer should be wary of sending out personal information over a wireless network and to avoid paying bills online at a hotspot ... "

Tags:security, hackers, encryption, credit, card