Estudio sobre el fraude a través de Internet (informe anual 2010)

download Estudio sobre el fraude a través de Internet (informe anual 2010)

of 38

Transcript of Estudio sobre el fraude a través de Internet (informe anual 2010)

  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    1/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch 8 jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    Fwzvjko woiyf fl myhvjf h zyh}wjf Kczfycfz

    Kcmoybf hcvhl 9080 $= olfhjh+

    OIWFY]HZOYKO JF LH WFNVYKJHJ JF LH KCMOYBHGKC

  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    2/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch 9 jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    Fjkgkc1 Avcko 9088

    Fl Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $Kcmoybf hcvhl 9080+ dh wkjo flhioyhjo poy fl

    wknvkfczf fxvkpo jf zyhihao jfl Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc jf KCZFGO1

    Philo Pyfq Whc"Aow $jkyfggkc+

    Gykwzkch Nvzkyyfq Ioynf $gooyjkchgkc+

    Fjvhyjo l}hyfq Hlocwo

    Wvwhch jf lh Mvfczf Yojynvfq

    Lhvyh Nhygh Pyfq

    Goyyfo flfgzyckgo jfl Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc1oiwfy}hzoyko@kczfgo#fw

    Lh pyfwfczf pvilkghgkc pfyzfcfgf hl Kcwzkzvzo Chgkochl jf Zfgcolonhw jf lh Gobvckghgkc $KCZFGO+ { fwz ihao vchlkgfcgkh Yfgocogkbkfczo"Co gobfygkhl 9#6 Fwphh jf Gyfhzk}f Gobbocw, { poy fllo fwzh pfybkzkjo gopkhy, jkwzykivky {gobvckghy pilkghbfczf fwzh oiyh ihao lhw gocjkgkocfw wknvkfczfw1

    Yfgocogkbkfczo1 Fl goczfckjo jf fwzf kcmoybf wf pvfjf yfpyojvgky zozhl o phygkhlbfczf poy zfygfyow, gkzhcjo wvpyogfjfcgkh { dhgkfcjo yfmfyfcgkh ftpyfwh zhczo h KCZFGO gobo h wv wkzko ~fi1 ~~~#kczfgo#fw# Jkgdoyfgocogkbkfczo co pojy fc ckcnc ghwo wvnfyky xvf KCZFGO pyfwzh hpo{o h jkgdo zfygfyo o hpo{h fl vwo xvf dhgfjf wv oiyh#

    Vwo Co Gobfygkhl1 Fl bhzfykhl oyknkchl { low zyhihaow jfyk}hjow pvfjfc wfy jkwzykivkjow, gopkhjow { ftdkikjowbkfczyhw wv vwo co zfcnh mkcfw gobfygkhlfw#

    Hl yfvzklkqhy o jkwzykivky lh oiyh, zkfcf xvf jfahy ikfc glhyo low zybkcow jf lh lkgfcgkh jf fwzh oiyh# Hlnvch jf fwzhwgocjkgkocfw pvfjf co hplkghywf wk wf oizkfcf fl pfybkwo jf KCZFGO gobo zkzvlhy jf low jfyfgdow jf hvzoy# Chjh fc fwzhlkgfcgkh bfcowghih o yfwzykcnf low jfyfgdow boyhlfw jf KCZFGO#dzzp1//gyfhzk}fgobbocw#oyn/lkgfcwfw/i{"cg/9#6/fw/

    Fl pyfwfczf jogvbfczo gvbplf goc lhw gocjkgkocfw jf hggfwkiklkjhj jfl moybhzo PJM $Poyzhilf Jogvbfcz Moybhz+# Hw, wfzyhzh jf vc jogvbfczo fwzyvgzvyhjo { fzkxvfzhjo, pyo}kwzo jf hlzfychzk}hw h zojo flfbfczo co zftzvhl, bhyghjo jf kjkobh {oyjfc jf lfgzvyh hjfgvhjo#

    Phyh hbplkhy kcmoybhgkc woiyf lh gocwzyvggkc jf jogvbfczow PJM hggfwkilfw pvfjf gocwvlzhy lh nvh jkwpockilf fc lhwfggkc Hggfwkiklkjhj 3 Moybhgkc 3 Bhcvhlfw { Nvhw jf lh pnkchdzzp1//~~~#kczfgo#fw

    http://www.inteco.es/Accesibilidad/Formacion_6/Manuales_y_Guias/guia_accesibilidad_en_pdfmailto:[email protected]:[email protected]:[email protected]://creativecommons.org/licenses/by-nc/2.5/es/http://creativecommons.org/licenses/by-nc/2.5/es/http://creativecommons.org/licenses/by-nc/2.5/es/http://www.inteco.es/Accesibilidad/Formacion_6/Manuales_y_Guias/guia_accesibilidad_en_pdfhttp://www.inteco.es/http://www.inteco.es/http://www.inteco.es/http://www.inteco.es/http://www.inteco.es/Accesibilidad/Formacion_6/Manuales_y_Guias/guia_accesibilidad_en_pdfhttp://creativecommons.org/licenses/by-nc/2.5/es/mailto:[email protected]
  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    3/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch 7 jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    CJKGF

    CJKGF

    ############################################################################################################################# 7

    PVCZOW GLH]F ############################################################################################################## :8# KCZYOJVGGKC [ OIAFZK]OW ###################################################################### =8#8 Pyfwfczhgkc ##################################################################################################### =8#9 Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz ###################################################### 49# JKWFO BFZOJOLNKGO ############################################################################## ;9#8# Vck}fywo ############################################################################################################ ;9#9# Zhbho { jkwzykivgkc bvfwzyhl ######################################################################### ;9#7# Ghpzvyh jf kcmoybhgkc { zyhihao jf ghbpo #####################################################809#:# Fyyoy bvfwzyhl ###################################################################################################877# WFNVYKJHJ [ MYHVJF OCLKCF ##################################################################8:7#8# Kczfczo jf myhvjf { bhckmfwzhgkocfw #################################################################8:7#9# Moybh hjopzhjh poy fl yfbkzfczf oyknfc jf lh gobvckghgkc wowpfgdowh jf wfy

    myhvjvlfczh #######################################################################################################847#7# Kbphgzo fgocbkgo jfl myhvjf ##########################################################################987#:# Myhvjf { bhl~hyf #############################################################################################9:7#6# Kcmlvfcgkh jfl kczfczo jf myhvjf fc low dikzow yflhgkochjow goc lh ihcgh h

    zyh}w jf Kczfycfz { fl gobfygko flfgzyckgo #####################################################9>:# GOCGLVWKOCFW [ YFGOBFCJHGKOCFW ###################################################79:#8# Gocglvwkocfw jfl hclkwkw #################################################################################79:#9# Yfgobfcjhgkocfw ############################################################################################7:CJKGF JF NYMKGOW ###################################################################################################7=CJKGF JF ZHILHW ########################################################################################################7>

  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    4/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch : jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    PVCZOW GLH]F

    Fl Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc pvilkgh fl Fwzvjko woiyf fl myhvjf hzyh}w jf Kczfycfz $kcmoybf hcvhl 9080+# Lh bfzojolonh vzklkqhjh phyh lh yfhlkqhgkc jfl

    kcmoybf kcglv{f fcgvfwzhw h vwvhykow jf Kczfycfz { hclkwkw oclkcf jf fxvkpow jf donhyfw

    fwpholfw#

    Fl kcmoybf pfybkzf yfhlkqhy vc jkhncwzkgo jf lh kcgkjfcgkh jf wkzvhgkocfw xvf pojyhc

    gyfhy kczfczow jf myhvjf fczyf low vwvhykow jf Kczfycfz# Hwkbkwbo, hchlkqh fl kbphgzo xvf

    fwzhw wkzvhgkocfw dhc zfckjo h ck}fl fgocbkgo { lh kcmlvfcgkh xvf dhc fafygkjo fc low

    dikzow yflhgkochjow goc lh ihcgh h zyh}w jf Kczfycfz { fl gobfygko flfgzyckgo# Fl

    fwzvjko bvfwzyh zhbikc lh jkmfyfcgkh ftkwzfczf fczyf low vwvhykow xvf dhc wvmykjo kczfczo

    jf myhvjf { low xvf co h lh doyh jf jfpowkzhy wv gocmkhcqh fc lh yfhlkqhgkc jfopfyhgkocfw ihcghykhw h zyh}w jf Kczfycfz { gobpyhw oclkcf#

    Fl hclkwkw oclkcf pyopoygkoch jhzow hgfygh jf lh kcgkjfcgkh jf bhl~hyf fwpfgmkgo phyh lh

    gobkwkc jf myhvjf#

    Fl pfyojo hchlkqhjo fc fwzf jogvbfczo hihygh low bfwfw jf ogzviyf h jkgkfbiyf jf

    9080# Jvyhczf fwzf zkfbpo wf dhc yfhlkqhjo 7#6>8 fcgvfwzhw { 4#6>4 hclkwkw oclkcf h

    low fxvkpow xvf gobpocfc fl phcfl# Hjfbw, wkfcjo fwzf fl kcmoybf xvf gkfyyh fl ho,

    omyfgf vc hclkwkw f}olvzk}o h lo lhyno jf zojo 9080, dhgkfcjo vch gobphyhzk}h goc lowjhzow jf 900;#

    Fczyf low pykcgkphlfw yfwvlzhjow { gocglvwkocfw jfl fwzvjko, ghif jfwzhghy xvf fc fl

    gvhyzo zykbfwzyf jf 9080, vc 67,8& jf low vwvhykow jf Kczfycfz fwpholfw jfglhyhc dhify

    wkjo }gzkbhw jf vc kczfczo $co cfgfwhykhbfczf gocwvbhjo+ jf myhvjf fc low lzkbow zyfw

    bfwfw# Low hzhghczfw vzklkqhc zgckghw jf kcnfckfyh wogkhl phyh gocwvbhy wvw fwzhmhw

    poy jow }hw1 ikfc h zyh}w jf Kczfycfz, ikfc poy bfjko jfl zflmoco b}kl#

    Fc fl hclkwkw jf lhw wkzvhgkocfw pozfcgkhlbfczf myhvjvlfczhw ogvyykjhw h low vwvhykow

    gvhcjo ch}fnhc fc lh Yfj, jfwzhghc lh yfgfpgkc jf kc}kzhgkocfw phyh }kwkzhy hlnvchpnkch ~fi wowpfgdowh $7:,:&+ { jf goyyfow flfgzyckgow xvf omfyzhc wfy}kgkow co

    wolkgkzhjow $96,;&+# Fc bfcoy pyopoygkc, woc low jfwzkchzhykow jf omfyzhw jf zyhihao

    wowpfgdowhw jf wfy mhlwhw $98,8&+ { jf goyyfow flfgzyckgow wolkgkzhcjo glh}fw jf

    vwvhyko $8;,;&+#

    Poy lo xvf yfwpfgzh h low kczfczow jf myhvjf h zyh}w jfl zflmoco b}kl, low vwvhykow

    jfglhyhc yfgkiky bfcwhafw goyzow jf zftzo omfyzhcjo vc wfy}kgko co yfxvfykjo $88,8&+ {,

    goc bfcoy myfgvfcgkh, lh wolkgkzvj jf glh}fw jf vwvhyko, ikfc h zyh}w jf vch llhbhjh

    zflfmckgh $9,>&+, ikfc h zyh}w jf vc bfcwhaf jf zftzo $9,9&+#

  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    5/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch 6 jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    Lhw moybhw xvf goc bh{oy myfgvfcgkh hjopzhc low yfbkzfczfw jf lhw gobvckghgkocfw

    wowpfgdowhw jf wfy myhvjvlfczhw woc lhw fczkjhjfw ihcghykhw $:9,>&+, lhw pnkchw jf

    gobpyh"}fczh oclkcf $7;&+ { lhw lozfyhw $76,>&+#

    Fc fl pfykojo hchlkqhjo fc fl kcmoybf, fl ;6,9& jf low kczfychvzhw fwpholfw hmkybh co

    dhify wvmykjo fc low lzkbow zyfw bfwfw vc pfyavkgko fgocbkgo gobo gocwfgvfcgkh jf vc

    myhvjf flfgzyckgo, bkfczyhw xvf vc :,4& w dhc wvmykjo pyjkjh# Jf fwzow lzkbow, lh

    gvhczh jfmyhvjhjh fw kcmfykoy h :00 fvyow fc lh bh{oyh jf low ghwow $4:,7&+, fw jfgky,

    lh bh{oyh jf low hzhghczfw co woiyfphwh lh ihyyfyh fgocbkgh bhyghjh poy fl Gjkno

    Pfchl, xvf jfzfybkch lh gocwkjfyhgkc jf lh fwzhmh gobo jflkzo $fc lvnhy jf mhlzh, wk lh

    ghczkjhj jfmyhvjhjh fw kcmfykoy h low :00 fvyow+#

    Fc jkgkfbiyf jf 9080, fl hclkwkw fbpykgo jf low fxvkpow bvfwzyh xvf vc 7;,4& jf lowfxvkpow hloah hlnc zkpo jf zyo{hco, vc =,4& hloahc zyo{hcow ihcghykow $gjkno bhlkgkowo

    jfwzkchjo h kczfygfpzhy gyfjfcgkhlfw jf ihcgh flfgzyckgh jf fczkjhjfw gocgyfzhw+ { vc

    6,4& wvmyf vch kcmfggkc poy yonvf~hyf $o mhlwow hczk}kyvw+# Fl poygfczhaf jf zyo{hcow

    ihcghykow wf dh yfjvgkjo h lo lhyno jf 9080 fc ghwk : pvczow poygfczvhlfw#

    Low vwvhykow wf bvfwzyhc mkflfw fc lh vzklkqhgkc jf wfy}kgkow jf gobpyh oclkcf { jf ihcgh

    flfgzyckgh, hvc gvhcjo dhc wkjo }gzkbhw jf vc kczfczo jf myhvjf $co cfgfwhykhbfczf

    gocwvbhjo+#

    Fc fl lzkbo zykbfwzyf jf 9080, vc 48,4& jf low kczfychvzhw xvf dh wvmykjo vc kcgkjfczf jffwzf zkpo fc lh vzklkqhgkc jf wfy}kgkow jf gobfygko flfgzyckgo co bojkmkghc wvw dikzow,

    myfczf h vc 6& xvf hihcjochc fwzh hgzk}kjhj { vc 87,8& xvf yfjvgfc wv vzklkqhgkc#

    Poy lzkbo, zhbikc fw bh{oykzhyko fl poygfczhaf jf vwvhykow jf wfy}kgkow jf ihcgh fc

    lcfh xvf co bojkmkgh wvw dikzow zyhw wfy }gzkbhw jf vc kczfczo jf myhvjf $4>,4&+,

    zfckfcjo fl yfwzo jf gobpoyzhbkfczow vc ghygzfy bkcoykzhyko1 yfjvggkc jf vwo $4,;&+,

    hihcjoco fc fl vwo jf fwzow wfy}kgkow $9,;&+ { ghbiko jf fczkjhj jf ihcgh oclkcf

    $0,6&+#

  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    6/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch = jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    8# KCZYOJVGGKC [ OIAFZK]OW

    8#8 Pyfwfczhgkc

    8#8#8 Kcwzkzvzo Chgkochl jf Zfgcolonhw jf lh Gobvckghgkc

    Fl Kcwzkzvzo Chgkochl jf Zfgcolonhw jf lh Gobvckghgkc, W#H# $KCZFGO+, fw vch

    wogkfjhj fwzhzhl hjwgykzh hl Bkckwzfyko jf Kcjvwzykh, Zvykwbo { Gobfygko h zyh}w jf lh

    Wfgyfzhyh jf Fwzhjo jf Zflfgobvckghgkocfw { phyh lh Wogkfjhj jf lh Kcmoybhgkc#

    KCZFGO fw vc gfczyo jf jfwhyyollo jf ghygzfy kcco}hjoy { jf kczfyw pilkgo jf bikzo

    chgkochl xvf wf oykfczh h lh hpoyzhgkc jf }hloy, h lh kcjvwzykh { h low vwvhykow, { h lh

    jkmvwkc jf lhw cvf}hw zfgcolonhw jf lh kcmoybhgkc { lh gobvckghgkc $ZKG+ fc Fwphh,

    fc glhyh wkczoch goc Fvyoph#

    Wv oiafzk}o mvcjhbfczhl fw wfy}ky gobo kcwzyvbfczo phyh jfwhyyollhy lh Wogkfjhj jf lh

    Kcmoybhgkc, goc hgzk}kjhjfw pyopkhw fc fl bikzo jf lh kcco}hgkc { fl jfwhyyollo jf

    pyo{fgzow hwogkhjow h lhw ZKG, ihwcjowf fc zyfw pklhyfw mvcjhbfczhlfw1 lh kc}fwzknhgkc

    hplkghjh, lh pyfwzhgkc jf wfy}kgkow { lh moybhgkc#

    Lh bkwkc jf KCZFGO fw hpoyzhy }hloy f kcco}hgkc h low gkvjhjhcow, h lhw P[BFW, h lhw

    Hjbkckwzyhgkocfw Pilkghw { hl wfgzoy jf lhw zfgcolonhw jf lh kcmoybhgkc, h zyh}w jfl

    jfwhyyollo jf pyo{fgzow xvf goczykiv{hc h yfmoyqhy lh gocmkhcqh fc low wfy}kgkow jf lhWogkfjhj jf lh Kcmoybhgkc fc cvfwzyo phw, pyobo}kfcjo hjfbw vch lcfh jf

    phyzkgkphgkc kczfychgkochl#

    Phyh fllo, KCZFGO jfwhyyollh hgzvhgkocfw fc lhw wknvkfczfw lcfhw1

    Wfnvykjhj Zfgcolnkgh1 KCZFGO fwz gobpyobfzkjo goc lh pyobogkc jf

    wfy}kgkow jf lh Wogkfjhj jf lh Kcmoybhgkc ghjh }fq bw wfnvyow, xvf pyozfahc

    low jhzow pfywochlfw jf low kczfyfwhjow, wv kczkbkjhj, lh kczfnykjhj jf wv

    kcmoybhgkc { f}kzfc hzhxvfw xvf pocnhc fc ykfwno low wfy}kgkow pyfwzhjow# [ poy

    wvpvfwzo xvf nhyhczkgfc vc gvbplkbkfczo fwzykgzo jf lh coybhzk}h lfnhl fc bhzfykhjf ZKG# Phyh fllo gooyjkch jkwzkczhw kckgkhzk}hw pilkghw fc zoyco h lh wfnvykjhj jf

    lhw ZKG, xvf wf bhzfykhlkqhc fc lh pyfwzhgkc jf wfy}kgkow poy phyzf jfl

    Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc, fl Gfczyo jf Yfwpvfwzh h

    Kcgkjfczfw jf Wfnvykjhj fc Zfgcolonhw jf lh Kcmoybhgkc $KCZFGO"GFYZ+ goc

    wv Gfczyo Jfbowzyhjoy jf Zfgcolonhw jf Wfnvykjhj, { lh Omkgkch jf Wfnvykjhj

    jfl Kczfychvzh, jf low xvf wf ifcfmkgkhc gkvjhjhcow, P[BFW, Hjbkckwzyhgkocfw

    Pilkghw { fl wfgzoy zfgcolnkgo#

    Hggfwkiklkjhj1 KCZFGO pyobvf}f wfy}kgkow jf lh Wogkfjhj jf lh Kcmoybhgkcbw hggfwkilfw, xvf wvpykbhc lhw ihyyfyhw jf ftglvwkc, gvhlxvkfyh xvf wfh lh

    jkmkgvlzhj o ghyfcgkh zgckgh, moybhzk}h, fzg#, kcglvwo jkwghphgkjhj, xvf zfcnhc wvw

  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    7/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch > jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    vwvhykow# [ xvf mhgklkzfc lh kczfnyhgkc pyonyfwk}h jf zojow low golfgzk}ow jf

    vwvhykow, jf bojo xvf zojow fllow pvfjhc ifcfmkgkhywf jf lhw opoyzvckjhjfw xvf

    omyfgf lh Wogkfjhj jf lh Kcmoybhgkc# Hwkbkwbo jfwhyyollh pyo{fgzow fc fl bikzo

    jf lh hggfwkiklkjhj oykfczhjow h nhyhczkqhy fl jfyfgdo jf gkvjhjhcow { fbpyfwhw

    h yflhgkochywf flfgzyckghbfczf goc lhw HH#PP#

    Ghlkjhj ZKG1 KCZFGO pyobvf}f vcow wfy}kgkow jf lh Wogkfjhj jf lh Kcmoybhgkc

    xvf ghjh }fq wfhc jf bh{oy ghlkjhj, xvf nhyhczkgfc vcow hjfgvhjow ck}flfw jf

    wfy}kgko, lo gvhl wf zyhjvgf fc vch bh{oy yoivwzfq jf hplkghgkocfw { wkwzfbhw, vc

    gobpyobkwo fc lh jkwpockiklkjhj { low zkfbpow jf yfwpvfwzh, vc hjfgvhjo wopoyzf

    phyh low vwvhykow, vch kcmoybhgkc pyfgkwh { glhyh woiyf lh f}olvgkc jf lhw

    mvcgkochlkjhjfw jf low wfy}kgkow, { fc yfwvbfc, wfy}kgkow ghjh }fq bfaoyfw# Fc

    fwzh lcfh kbpvlwh lh gobpfzkzk}kjhj jf lh kcjvwzykh jfl Womz~hyf h zyh}w jf lhpyobogkc jf lh bfaoyh jf lh ghlkjhj { lh gfyzkmkghgkc jf lhw fbpyfwhw {

    pyomfwkochlfw jf lh kcnfckfyh jfl womz~hyf#

    Moybhgkc1 lh moybhgkc fw vc mhgzoy jfzfybkchczf phyh lh hzyhggkc jf zhlfczo {

    phyh lh bfaoyh jf lh gobpfzkzk}kjhj jf lhw fbpyfwhw# Poy fllo, KCZFGO kbpvlwh lh

    moybhgkc jf vck}fywkzhykow { pyomfwkochlfw fc lhw zfgcolonhw bw jfbhcjhjhw

    poy lh kcjvwzykh#

    8#8#9 Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    Fl Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc wf kcwfyzh jfczyo jf lh lcfh fwzyhznkgh

    jf hgzvhgkc jf KCZFGO fc bhzfykh jf Wfnvykjhj Zfgcolnkgh# Chgf goc fl oiafzk}o jf

    jfwgykiky jf bhcfyh jfzhllhjh { wkwzfbzkgh fl ck}fl jf wfnvykjhj { gocmkhcqh fc lh

    Wogkfjhj jf lh Kcmoybhgkc { jf nfcfyhy gocogkbkfczo fwpfgkhlkqhjo fc lh bhzfykh# Jf

    fwzf bojo, wf fcgvfczyh hl wfy}kgko jf low gkvjhjhcow, lhw fbpyfwhw { lhw

    hjbkckwzyhgkocfw pilkghw fwpholhw phyh jfwgykiky, hchlkqhy, hwfwoyhy { jkmvcjky lh gvlzvyh

    jf lh wfnvykjhj jf lh kcmoybhgkc { lh f"gocmkhcqh#

    Fl Oiwfy}hzoyko dh jkwfhjo vc Plhc jf Hgzk}kjhjfw { Fwzvjkow goc fl oiafzo jf pyojvgky

    gocogkbkfczo fwpfgkhlkqhjo { zkl fc bhzfykh jf wfnvykjhj poy phyzf jf KCZFGO, hw

    gobo jf flhioyhy yfgobfcjhgkocfw { pyopvfwzhw xvf jfmkchc zfcjfcgkhw }lkjhw phyh lh

    zobh jf jfgkwkocfw mvzvyhw poy phyzf jf low pojfyfw pilkgow#

  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    8/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch 4 jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    Jfczyo jf fwzf plhc jf hggkc wf yfhlkqhc lhioyfw jf kc}fwzknhgkc, hclkwkw, fwzvjko,

    hwfwoyhbkfczo { jk}vlnhgkc xvf hzfcjfyc, fczyf ozyhw, h lhw wknvkfczfw fwzyhzfnkhw1

    Flhioyhgkc jf fwzvjkow f kcmoybfw pyopkow fc bhzfykh jf wfnvykjhj jf lhwZfgcolonhw jf lh Kcmoybhgkc { lh Gobvckghgkc, goc fwpfgkhl cmhwkw fc lh

    Wfnvykjhj fc Kczfycfz#

    Wfnvkbkfczo jf low pykcgkphlfw kcjkghjoyfw { polzkghw pilkghw yflhgkochjhw goc lh

    wfnvykjhj jf lh kcmoybhgkc { lh gocmkhcqh fc fl bikzo chgkochl f kczfychgkochl#

    Nfcfyhgkc jf vch ihwf jf jhzow xvf pfybkzh fl hclkwkw { f}hlvhgkc jf lh

    wfnvykjhj { lh gocmkhcqh goc vch pfywpfgzk}h zfbpoyhl#

    Kbpvlwo jf pyo{fgzow jf kc}fwzknhgkc fc bhzfykh jf wfnvykjhj ZKG#

    Jkmvwkc jf fwzvjkow f kcmoybfw pvilkghjow poy ozyhw fczkjhjfw { oynhckwbow

    chgkochlfw f kczfychgkochlfw, hw gobo jf kcmoybhgkc woiyf lh hgzvhlkjhj

    chgkochl { fvyopfh fc bhzfykh jf lh wfnvykjhj { gocmkhcqh fc lh Wogkfjhj jf lh

    Kcmoybhgkc#

    Hwfwoyhbkfczo h lhw Hjbkckwzyhgkocfw Pilkghw fc bhzfykh jf wfnvykjhj jf lh

    kcmoybhgkc { gocmkhcqh, hw gobo fl hpo{o h lh flhioyhgkc, wfnvkbkfczo {

    f}hlvhgkc jf polzkghw pilkghw fc fwzf bikzo#

    8#9 Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz

    Fl Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfzpfybkzf hchlkqhy jf bhcfyh f}olvzk}h low

    kczfczow jf myhvjf h zyh}w jf lh Yfj xvf dhc wvmykjo low vwvhykow, lhw moybhw hjopzhjhw

    poy fl yfbkzfczf oyknfc jf lh gobvckghgkc wowpfgdowh jf wfy myhvjvlfczh {, gobo

    gocwfgvfcgkh, fl kbphgzo fgocbkgo wvmykjo# Fl pyfwfczf kcmoybf gocwzkzv{f lh = fczyfnh

    jfl bkwbo#

    Fl hclkwkw yfgonf jhzow fbpykgow oizfckjow h zyh}w jf kWghc, xvf hchlkqh lh kcgkjfcgkhjf bhl~hyf fwpfgmkgo phyh lh gobkwkc jf myhvjf# Wf bvfwzyhc low yfwvlzhjow jf

    oyjfchjoyfw xvf goczkfcfc gjkno bhlkgkowo jfwzkchjo h kczfygfpzhy gyfjfcgkhlfw jf

    ihcgh h zyh}w jf Kczfycfz#

    Wf bvfwzyh zhbikc wk fl kczfczo jf myhvjf kcmlv{f fc lh bojkmkghgkc jf low dikzow jf

    vwo jf gobfygko flfgzyckgo { ihcgh fc lcfh# Zhbikc wf hchlkqh lh f"gocmkhcqh xvf lfw

    nfcfyh fwzow dikzow zyhw wvmyky vc kczfczo jf myhvjf# Lhw gocglvwkocfw, fc fwzf ghwo, wf

    ihwhc fc jhzow pyogfjfczfw jf lh fcgvfwzh#

  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    9/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch ; jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    9# JKWFO BFZOJOLNKGO

    Fl Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ wf yfhlkqh h phyzky jflphcfl oclkcf jfjkghjo gobpvfwzo poy donhyfw goc gocftkc h Kczfycfz yfphyzkjow poy zojo

    fl zfyykzoyko chgkochl# Fl phcfl powkiklkzh lh yfhlkqhgkc jf lfgzvyhw pfykjkghw jfl mfcbfco

    jfl myhvjf { omyfgf, poy zhczo, vch pfywpfgzk}h f}olvzk}h jf lh wkzvhgkc# Woiyf low

    bkfbiyow jfl phcfl wf hplkghc jow zgckghw jkmfyfcgkhjhw, xvf pfybkzfc oizfcfy jow zkpow

    jkmfyfczfw jf kcmoybhgkc1

    Fcgvfwzhw oclkcf h vwvhykow fwpholfw jf Kczfycfz bh{oyfw jf 86 how goc

    hggfwo myfgvfczf jfwjf fl donhy, llf}hjhw h ghio goc vch pfykojkgkjhj zykbfwzyhl#

    Low jhzow ftzyhjow jf lhw fcgvfwzhw pfybkzfc oizfcfy lh pfygfpgkc woiyf lh

    kcgkjfcgkh jf pygzkghw gocwzkzvzk}hw jf myhvjf { wv powkilf yflf}hcgkh fgocbkgh,

    hw gobo fl ck}fl jf f"gocmkhcqh jf low gkvjhjhcow zyhw wvmyky vc kczfczo jf myhvjf#

    Hclkwkw oclkcf jfl ck}fl jf wfnvykjhj yfhl jf low fxvkpow kcmoybzkgow ftkwzfczfw

    fc low donhyfw, yfhlkqhjow bfcwvhlbfczf# Phyh fllo, wf vzklkqh fl womz~hyf kWghc,

    jfwhyyollhjo poy KCZFGO, xvf hchlkqh low wkwzfbhw { lhw kcgkjfcgkhw jf wfnvykjhj

    fc low fxvkpow nyhgkhw h lh vzklkqhgkc gocavczh jf := bozoyfw hczk}kyvw# Fwzf

    womz~hyf wf kcwzhlh fc low fxvkpow { low hchlkqh, jfzfgzhcjo zojo fl bhl~hyf

    yfwkjfczf fc low bkwbow { yfgonkfcjo hjfbw jhzow jfl wkwzfbh opfyhzk}o, jf wv

    fwzhjo jf hgzvhlkqhgkc { jf lhw dfyyhbkfczhw jf wfnvykjhj kcwzhlhjhw# Flpyonyhbh kcmoybzkgo yfbkzf fwzh kcmoybhgkc h KCZFGO, xvf lh zyhzh jf bhcfyh

    hcckbh { hnyfnhjh#

    9#8# Vck}fywo

    Vwvhykow fwpholfw jf Kczfycfz bh{oyfw jf 86 how goc hggfwo myfgvfczf h Kczfycfz

    jfwjf fl donhy# Phyh jflkbkzhy goc bh{oy pyfgkwkc fl gocgfpzo jf vwvhyko, wf ftknf vch

    gocftkc h Kczfycfz jfwjf fl donhy jf, hl bfcow, vch }fq hl bfw#

    9#9# Zhbho { jkwzykivgkc bvfwzyhlLh hmkahgkc bvfwzyhl yfwpocjf h vc bojflo polkfzpkgo1

    Fwzyhzkmkghgkc poy Gobvckjhjfw Hvzcobhw phyh nhyhczkqhy vc bckbo jf wvafzow

    fc ghjh vch jf fllhw#

    Bvfwzyfo poy gvozhw jf zhbho jfl donhy, fjhj, wfto, hgzk}kjhj lhioyhl { zhbho

    jfl dikzhz8

    8 Fwzhw gvozhw wf dhc oizfckjo jf jhzow yfpyfwfczhzk}ow h ck}fl chgkochl jf vwvhykow jf Kczfycfz bh{oyfw jf 86 how xvfwf gocfgzhc bw jf vch }fq hl bfw jfwjf fl donhy mhgklkzhjow poy Yfj#fw, fczkjhj pilkgh fbpyfwhykhl jfl Bkckwzfyko jfKcjvwzykh, Zvykwbo { Gobfygko# $Lhw ZKG fc low donhyfw fwpholfw1 9= olfhjh ogzviyf"jkgkfbiyf 900;+#

    #

  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    10/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch 80 jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    Jhjo xvf lh pfykojkgkjhj jf ftzyhggkc jf jhzow fw jkmfyfczf $zykbfwzyhl fc fl ghwo jf lhw

    fcgvfwzhw { bfcwvhl fc fl jf low fwghcfow+ { xvf lhw ihwfw gocwkjfyhjhw co woc

    kjczkghw $poy fafbplo, pvfjfc ftkwzky donhyfw fc xvf wf yfhlkgf fl hclkwkw oclkcf pfyo co

    lh fcgvfwzh, o }kgf}fywh+, wf pyfwfczhc jf moybh kcjfpfcjkfczf1 lh Zhilh 8 pyfwfczh fl

    zhbho jf lh bvfwzyh goyyfwpocjkfczf h lh fcgvfwzh { lh Zhilh 9 kcjkgh fl cbfyo jf

    fxvkpow fwghcfhjow goyyfwpocjkfczf h low hclkwkw jf wfnvykjhj jf low fxvkpow#

    Zhilh 81 Zhbhow bvfwzyhlfw phyh lhw fcgvfwzhw

    Pfyojo Zhbho bvfwzyhl

    8fy zykbfwzyf 900; 7#6=7

    9 zykbfwzyf 900; 7#698

    7fy zykbfwzyf 900; 7#6:0: zykbfwzyf 900; 7#=:0

    8fy zykbfwzyf 9080 7#6;;

    9 zykbfwzyf 9080 7#68;

    7fy zykbfwzyf 9080 7#674

    : zykbfwzyf 9080 7#6>8

    Mvfczf1 KCZFGO

    Zhilh 91 Cbfyo jf fxvkpow fwghcfhjow bfcwvhlbfczf

    Pfyojo Fxvkpowfwghcfhjow

    Pfyojo Fxvkpowfwghcfhjow

    Fcf0; 6#=:; Fcf80 :#0>;

    Mfi0; :#796 Mfi80 7#>68

    Bhy0; :#=;6 Bhy80 :#09:

    Hiy0; :#;6: Hiy.80 7#>:=

    Bh{0; :#=>> Bh{.80 7#:;;

    Avc0; :#9;7 Avc.80 7#9>;

    Avl0; 7#;>8 Avl.80 7#77>

    Hno0; 7#=>> Hno.80 9#>8=

    Wfp0; :#690 Wfp.80 9#>47Ogz0; :#9;: Ogz80 7#979

    Co}0; :#07; Co}80 9#>:9

    Jkg0; :#:69 Jkg80 9#=0:

    Mvfczf1 KCZFGO

    9#7# Ghpzvyh jf kcmoybhgkc { zyhihao jf ghbpo

    Fl zyhihao jf ghbpo dh wkjo yfhlkqhjo fczyf ogzviyf { jkgkfbiyf jf 9080 bfjkhczf

    fczyf}kwzhw oclkcf { hclkwkw jf fxvkpow kcmoybzkgow h phyzky jf vc phcfl jf vwvhykow jf

    Kczfycfz#

  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    11/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch 88 jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    Fl hclkwkw jf fxvkpow kcmoybzkgow wf yfhlkqh goc lh dfyyhbkfczh kWghc $KCZFGO

    Wghccfy+# Fwzh dfyyhbkfczh fw vc womz~hyf bvlzkplhzhmoybh jfwhyyollhjo poy KCZFGO, xvf

    wf fczyfnh h low phcflkwzhw goc fl mkc jf xvf lo kcwzhlfc fc wvw oyjfchjoyfw# kWghc vzklkqh

    := bozoyfw hczk}kyvw# Fwzf womz~hyf hchlkqh bfcwvhlbfczf low fxvkpow jf low phcflkwzhw,

    jfzfgzhcjo fl bhl~hyf fwpfgmkgo phyh lh gobkwkc jf myhvjf yfwkjfczf fc low bkwbow#

    Lh dfyyhbkfczh jf KCZFGO zkfcf gobo pkfjyh hcnvlhy vch ihwf jf jhzow jf bw jf 96

    bkllocfw jf hygdk}ow jfzfgzhjow poy, hl bfcow, vco jf fwow := hczk}kyvw# Fwzh ihwf jf

    jhzow fwz fc gocwzhczf gyfgkbkfczo#

    kWghc gobphyh zojow low hygdk}ow jf vc wkwzfbh goc lh ihwf jf jhzow# Wk fl hclkwkw

    jfzfgzh fl hygdk}o goc 6 bw hczk}kyvw, fl mkgdfyo wf gocwkjfyh pozfcgkhlbfczf bhlkgkowo#

    Fl vwo jf := hczk}kyvw hwfnvyh vch bh{oy zhwh jf jfzfggkc, pvfw hczf lhw cvf}hw

    hbfchqhw jf ghygzfy hlzhbfczf kcjfzfgzhilf fw jkmgkl xvf vc fwpgkbfc fwghpf h zojow

    low bozoyfw#

    Fl pyonyhbh kcmoybzkgo yfbkzf fwzh kcmoybhgkc h KCZFGO, xvf lh zyhzh jf bhcfyh

    hcckbh { hnyfnhjh# H lo lhyno jf zojo fl pyogfwo wf gvbplf fwzykgzhbfczf goc lh

    coybhzk}h }knfczf fc bhzfykh jf pyozfggkc jf jhzow jf ghygzfy pfywochl#

    Fl fwghcfo jf kWghc co jh kcmoybhgkc woiyf wk vc jfzfybkchjo gjkno bhlkgkowo wf

    fcgvfczyh hgzk}o fc fl wkwzfbh# Pojyh jhywf fl ghwo jf xvf vc wkwzfbh hloah bhl~hyfpfyo co wf fcgvfczyh kcmfgzhjo# Kbhncfwf, poy fafbplo, xvf vc kc}fwzknhjoy zkfcf vc

    jkyfgzoyko goc gjkno bhlkgkowo phyh fwzvjkhy, wv fxvkpo wfyh ghzhlonhjo poy kWghc gobo

    kcmfgzhjo pfyo jkgdhw bvfwzyhw cvcgh wf dhiyhc fafgvzhjo fc fl wkwzfbh { poy zhczo co

    fwzhyh kcmfgzhjo# Fwzo zhbikc ogvyykyh wk vc hczk}kyvw jfzfgzh vc gjkno bhlkgkowo { lo

    bvf}f h vch ghypfzh jf gvhyfczfch wkc omvwghylo#

    Goc fl mkc jf yfjvgky fl kbphgzo jf low mhlwow powkzk}ow wf hplkghc vch wfykf jf mklzyow, xvf

    wf ftplkghc h goczkcvhgkc1

    h# Flkbkchgkc jf pyojvgzow hczk}kyvw jf pfybfzyo xvf zyhw pyvfihw goc nyhcjfw

    ghczkjhjfw jf bhl~hyf { nooj~hyf

    Flkbkchgkc { pocjfyhgkc jf wolvgkocfw hczk}kyvw

    9

    i# Flkbkchgkc jf gkfyzhw wolvgkocfw xvf gobphyzfc mkybhw, phyh wlo gocwkjfyhy

    vc bozoy goc fl bkwbo gocavczo jf mkybhw#

    jfbowzyhyoc wfy hlzhbfczf phyhcokgow#

    g# Gyfhgkc jf vc wvigocavczo jf bozoyfw# Wf dhc zobhjo low 88 hczk}kyvw bw

    yfpvzhjow $goc bfaoy zhwh jf jfzfggkc myfczf h fwpfgbfcfw jfzfgzhjow poy

    9 Womz~hyf { mkgdfyow lfnzkbow, hygdk}ow kcogvow#

  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    12/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch 89 jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    bw jf 80 hczk}kyvw+ phyh gyfhy vc wvigocavczo jf pyojvgzow xvf wfy

    yfmfyfcgkhjo gobo bozoyfw cfgfwhykhbfczf ftknkjow# Jf fwzf bojo, phyh xvf

    vc mkgdfyo wfh bhyghjo gobo bhl~hyf, jfify wfy jfzfgzhjo poy 6 pyojvgzow

    jf low := gocwkjfyhjow {, hjfbw, hl bfcow vco jf fllow jfify wfy hlnvco

    jf fwzow 88 bozoyfw ftknkjow#

    KCZFGO bhczkfcf vch ihwf jf jhzow jf womz~hyf jf mhiykghczfw gocmkhilfw { jf

    myff~hyf

    Goczyhwzf goc ihwfw jf jhzow jf womz~hyf gocogkjo { jf mkgdfyow kcogvow

    7 { wdhyf~hyf:

    Jf knvhl moybh, low mkgdfyow woc goczyhwzhjow goc lh fwzhjovckjfcwf Chzkochl Womz~hyf

    Yfmfyfcgf Lkiyhy{ jfl CKWZ $Chzkochl Kcwzkzvzf om Wzhcjhyjw hcj Zfgdcolon{+, ihwf jf

    jhzow jf womz~hyf gocogkjo# Wk wf jfzfgzhwf xvf hlnvco jf low mkgdfyow wfhlhjow poy

    kWghc fwz fc jkgdh ihwf jf jhzow { co moybh phyzf jf vc ekz jf dhgekcn o gyhgekcn, fl

    hygdk}o co wfy gocwkjfyhjo gobo bhlkgkowo#

    gocmkybhjo gobo kcogvo# Zojow low fafbplhyfw xvf wknvfc

    wkfcjo jfzfgzhjow zyhw lhw jow pykbfyhw ghphw jf mklzyhjo woc gobphyhjow goc fwzh ihwf

    jf jhzow phyh flkbkchy bw mhlwow powkzk}ow#

    Wf flkbkch zojh jfzfggkc jf lh mhbklkh Hcckdklhzoy poyxvf wf zyhzh jfl cobiyf xvffbplfhc hlnvcow hczk}kyvw phyh jfzfgzhy $fyycfhbfczf+ low mkgdfyow lfnzkbow jfl

    hczk}kyvw Phcjh# Lhw jfzfggkocfw ^kc]CG { ]CG]kf~ zhbikc woc wvpykbkjhw pvfw

    jfwknchc vch dfyyhbkfczh jf nfwzkc yfbozh jf fxvkpow xvf "bv{ pyoihilfbfczf" pvfjf

    dhify wkjo kcwzhlhjh jflkifyhjhbfczf poy fl vwvhyko#

    Flkbkchgkc jf jfzfggkocfw gocgyfzhw { goyyfggkc jf ghzfnoyhw kcgoyyfgzhbfczf

    jfzfybkchjhw

    Zojow fwzow mklzyow woc bfaoyhw kbpoyzhczfw jf ghyh h lh mkhiklkjhj jfl fwzvjko, pfyo co

    flkbkchc poy gobplfzo lh pyoilfbzkgh jf low mhlwow powkzk}ow $vch pyoilfbzkgh kcdfyfczf

    h lh kcjvwzykh hczk}kyvw+#

    Poy ozyo lhjo, hl ftknky bw gocjkgkocfw jf ghyh h bhyghy vc mkgdfyo gobo bhl~hyf,zhbikc wf pvfjf flf}hy lh zhwh jf mhlwow cfnhzk}ow# Wf zyhzh jf vc gobpyobkwo fczyf

    ghphgkjhj jf jfzfggkc $vzklkqhgkc jf }hykow hczk}kyvw+ { jfzfggkocfw kcgoyyfgzhw $mhlwow

    powkzk}ow+#

    Fc gvhlxvkfy ghwo, h pfwhy jf lh moyzhlfqh jf lh dfyyhbkfczh kWghc { jf lhw bfjkjhw

    hjopzhjhw poy KCZFGO phyh bkzknhy lh kcgkjfcgkh jf mhlwow powkzk}ow, wf jfif pvczvhlkqhy

    xvf ftkwzfc ozyhw lkbkzhgkocfw kczycwfghw h lh bfzojolonh fbplfhjh xvf dhgfc xvf fl

    hclkwkw co wfh kcmhlkilf# Poy fllo, h pfwhy jfl yknoy { yoivwzfq jfl hclkwkw, low jhzow xvf fl

    7 Womz~hyf nyhzvkzo#: Womz~hyf jf jfwghynh nyhzvkzh pfyo lkbkzhjo fc mvcgkochlkjhj o zkfbpo jf vwo#

  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    13/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch 87 jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    kcmoybf omyfgf gvfczhc goc vc bhynfc jf fyyoy xvf jh vch pfywpfgzk}h jf low pyoilfbhw

    hgzvhlfw h low xvf wf fcmyfczh lh kcjvwzykh jf wfnvykjhj h lh doyh jf jfwhyyollhy wvw

    pyonyhbhw hczk}kyvw#

    9#:# Fyyoy bvfwzyhl

    Jf hgvfyjo goc low gykzfykow jfl bvfwzyfo hlfhzoyko wkbplf phyh }hykhilfw jkgozbkghw fc

    lhw xvf p2x20,6 { phyh vc ck}fl jf gocmkhcqh jfl ;6,6&, wf fwzhilfgf vc fyyoy bvfwzyhl

    kcmfykoy h 8,>& fc ghjh vco jf low pfyojow hchlkqhjow, zhl { gobo wf yfgonf fc lh

    wknvkfczf zhilh#

    Zhilh 71 Fyyoyfw bvfwzyhlfw jf lhw fcgvfwzhw $&+

    Pfyojo Zhbho bvfwzyhl Fyyoy bvfwzyhl

    8fy zykbfwzyf 900; 7#6=7 8,=4&

    9 zykbfwzyf 900; 7#698 8,=4&

    7fy zykbfwzyf 900; 7#6:0 8,=4&

    : zykbfwzyf 900; 7#=:0 8,==&

    8fy zykbfwzyf 9080 7#6;; 8,==&

    9 zykbfwzyf 9080 7#68; 8,=4&

    7fy zykbfwzyf 9080 7#674 8,=4&

    : zykbfwzyf 9080 7#6>8 8,=4&

    Mvfczf1 KCZFGO

  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    14/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch 8: jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    7# WFNVYKJHJ [ MYHVJF OCLKCF

    7#8# Kczfczo jf myhvjf { bhckmfwzhgkocfwFc pykbfy lvnhy wf hchlkqh lh kcgkjfcgkh jfglhyhjh jf wkzvhgkocfw jf myhvjf h zyh}w jf

    Kczfycfz o jfl zflmoco b}kl fc low lzkbow zyfw bfwfw, yfpyfwfczhjh fc fl Nymkgo 8#

    Phyh lh kczfypyfzhgkc goyyfgzh jf low jhzow, fw cfgfwhyko yfhlkqhy jow pvczvhlkqhgkocfw

    pyf}khw1

    Fc pykbfy lvnhy, low jhzow pyopoygkochjow fc hbiow nymkgow fwzc ihwhjow fc

    lhw yfwpvfwzhw h lh fcgvfwzh hplkghjh hl phcfl jf vwvhykow jf Kczfycfz fwpholfw,

    omyfgkfcjo poy zhczo lh pfywpfgzk}h jfl gkvjhjhco#

    Fc wfnvcjo lvnhy, co jfif fczfcjfywf xvf lhw pfywochw xvf hmkybhc dhify

    ftpfykbfczhjo hlnvch jf lhw wkzvhgkocfw hchlkqhjhw woc fmfgzk}hbfczf }gzkbhw

    jf myhvjf# Wf dhilh, poy zhczo, jf kczfczo jf myhvjf { co jf myhvjf gocwvbhjo#

    Fc fl gvhyzo zykbfwzyf jf 9080, woc lknfyhbfczf bw cvbfyowow low vwvhykow xvf

    jfglhyhc dhify wkjo }gzkbhw jf vc kczfczo jf myhvjf $67,8&+ xvf xvkfcfw jkgfc xvf co

    dhc pfygkikjo kcgkjfcgkh hlnvch $:=,;&+# Wf bhczkfcfc low }hloyfw yfnkwzyhjow fc fl

    zykbfwzyf hczfykoy#

    Nymkgo 81 Kcgkjfcgkh jfglhyhjh jf wkzvhgkocfw jf kczfczo $co gocwvbhjo+ jf myhvjf h

    zyh}w jf Kczfycfz o zflfmckgo fc low lzkbow 7 bfwfw $&+

    67,8&

    :=,;&

    Dh wvmykjo hlnvch wkzvhgkc jf myhvjf Co dh wvmykjo ckcnvch wkzvhgkc jf myhvjf

    Ihwf1 Zozhl vwvhykow $c27#6>8 fc :Z80+ Mvfczf1 KCZFGO

  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    15/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch 86 jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    Fc wfnvcjo lvnhy, fl Nymkgo 9 bvfwzyh lh f}olvgkc h lo lhyno jf 9080 jf lh kcgkjfcgkh jf

    wkzvhgkocfw jf myhvjf h zyh}w jf Kczfycfz, fc ihwf h lhw jfglhyhgkocfw jf low vwvhykow#

    Fc fl lzkbo zykbfwzyf jfl ho, lhw kcgkjfcgkhw jf kczfczo jf myhvjf $co gocwvbhjo+ xvfbw pfygkifc low fcgvfwzhjow woc lhw kc}kzhgkocfw phyh }kwkzhy hlnvch pnkch ~fi

    wowpfgdowh $jfglhyhjo poy vc 7:,:& jf vwvhykow+ { lh yfgfpgkc jf f"bhklw omfyzhcjo

    wfy}kgkow co wolkgkzhjow $vc 96,;&+# Poy jfzyw jf fwzhw wf wkzhc lh yfgfpgkc jf omfyzhw

    jf zyhihao mhlwhw $vc 98,8&+ { jf goyyfow flfgzyckgow wolkgkzhcjo glh}fw jf vwvhyko

    $8;,;&+#

    Hzfcjkfcjo h lh f}olvgkc hcvhl jf low jhzow, wf hpyfgkh xvf lh zfcjfcgkh fw ihwzhczf

    fwzhilf# Lhw kcgkjfcgkhw xvf yfnkwzyhc vc kcgyfbfczo fc wvw }hloyfw woc lh kc}kzhgkc phyh

    }kwkzhy hlnvch pnkch ~fi wowpfgdowh $8,4 pvczow poygfczvhlfw goc yfwpfgzo hl }hloy jfpykcgkpkow jf ho+, { lh yfgfpgkc jf f"bhklw wolkgkzhcjo glh}fw jf vwvhyko $8,7 pvczow

    poygfczvhlfw+#

    Fl yfwzo jf }hloyfw ftpfykbfczhc jfwgfcwow hl mkchl jf lh wfykf, jfwzhghcjo fc fwzf

    wfczkjo lh ghjh fc lh wfnvcjh bkzhj jfl ho fc lh yfgfpgkc jf goyyfow flfgzyckgow

    omfyzhcjo wfy}kgkow co wolkgkzhjow, goc vc ihlhcgf hcvhl jf 7,9 pvczow poygfczvhlfw

    bfcow xvf h gobkfcqow jf 9080# Lh yfgfpgkc jf omfyzhw jf zyhihao mhlwhw dh yfnkwzyhjo

    vch ghjh jf 7,8 pvczow poygfczvhlfw fc fl lzkbo zykbfwzyf jfl ho, jfwpvw jf zyfw

    zykbfwzyfw jf hwgfcwow goczkcvhjow fc low }hloyfw#

    Lh ftplkghgkc h fwzow jfwgfcwow pvfjf fwzhy yflhgkochjh goc vch wfykf jf

    hgoczfgkbkfczow yfnkwzyhjow fc lh wfnvcjh bkzhj jfl ho#

    Fc pykbfy lvnhy, fc wfpzkfbiyf wf pyojvao fl gkfyyf jf vco jf low pykcgkphlfw

    nyvpow xvf nfwzkochihc low cfnogkow pvilkgkzhykow hcvcgkhjow fc goyyfow ihwvyh,

    Wphbkz#gob, lo xvf dkqo xvf low }hloyfw nfcfyhlfw jf wphb jvyhczf lh wfnvcjh

    bkzhj jf wfpzkfbiyf mvfwfc bvgdo bw ihaow xvf low dhikzvhlfw, bkfczyhw low

    hzhghczfw wf yfhihwzfghc goc cvf}hw kcmyhfwzyvgzvyhw#

    Ozyo mhgzoy dh wkjo lh kcglvwkc jf lh mkybh Qioz 6

    Poy lzkbo, wf hpvczh h lhw yfjfw wogkhlfw gobo Mhgfiooe { Z~kzzfy gobo fl

    cvf}o oiafzk}o jf low wphbbfyw1 hpyotkbhjhbfczf fl :& jf low hiochjow h

    Z~kzzfy woc fc yfhlkjhj pyonyhbhw phyh fc}khy goyyfo co jfwfhjo { bw jfl 86&

    h lh BWYZ $Bhlkgkovw Womz~hyf

    Yfbo}hl Zool+ jf Bkgyowomz, fc ogzviyf jf 9080# Jf low bw jf 8#700#000

    wkwzfbhw lkbpkhjow, wf fcgoczy Qioz fc vco jf ghjh gkcgo# Fwzh hggkc wvpvwo

    xvf, fc hpfchw vcow jhw, wf goc}kyzkfyh fc fl zyo{hco bw flkbkchjo#

    6 Qfvw $Qioz+ fw vco jf low zkpow jf iozcfzw bw hgzk}ow { goc bw vwvhykow kcmfgzhjow#

  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    16/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch 8= jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    jf low bfcwhafw goc fclhgfw xvf gkygvlhc poy Mhgfiooe woc wphb# Low wphbbfyw

    dhc gocglvkjo xvf lh fmfgzk}kjhj jfl goyyfo ihwvyh fw bfcoy xvf fl kbphgzo xvf

    pvfjfc oizfcfy h zyh}w jf yfjfw wogkhlfw =

    Nymkgo 91 F}olvgkc jf lh kcgkjfcgkh jfglhyhjh jf wkzvhgkocfw jf kczfczo $co gocwvbhjo+

    jf myhvjf h zyh}w jf Kczfycfz fc low lzkbow 7 bfwfw $&+

    #

    84,=&90,7&

    84,:&8;,;&

    99,9& 97,9& 9:,9&98,8&

    79,=&

    7=,9&77,9& 7:,:&

    9;,8& 9;,>& 9>,7&

    96,;&

    0&

    6&

    80&

    86&

    90&

    96&

    70&

    76&

    :0&

    :6&

    60&

    8Z80 9Z80 7Z80 :Z80

    Yfgfpgkc jf f"bhkl wolkgkzhcjo glh}fw jf vwvhyko

    Yfgfpgkc jf vch omfyzh jf zyhihao poy Kczfycfz xvf pvjkfyh wfy mhlwh o wowpfgdowh

    Kc}kzhgkc h }kwkzhy hlnvch pnkch ~fi wowpfgdowh

    Yfgfpgkc jf f"bhkl omfyzhcjo vc wfy}kgko co wolkgkzhjo Ihwf1 Zozhl vwvhykow $c27#6>8 fc :Z80+ Mvfczf1 KCZFGO

    H goczkcvhgkc, fl Nymkgo 7 yfgonf lh f}olvgkc jf lh kcgkjfcgkh jf wkzvhgkocfw jf myhvjf,

    fc fwzf ghwo h zyh}w jfl zflmoco b}kl, fc ihwf h lh pfygfpgkc jf low vwvhykow

    fcgvfwzhjow#

    Lh yfgfpgkc jf bfcwhafw goyzow jf zftzo omfyzhcjo wfy}kgkow co wolkgkzhjow fw lh

    wkzvhgkc bw jfglhyhjh $88,8&+# H bh{oy jkwzhcgkh wf wkzhc lhw xvf zkfcfc xvf }fy goc

    lh wolkgkzvj jf glh}fw jf vwvhyko, ikfc h zyh}w jf vch llhbhjh zflfmckgh $vc 9,>&+, ikfch zyh}w jf vc bfcwhaf jf zftzo $9,9&+#

    Wk ikfc wf oiwfy}h vch zfcjfcgkh gocwzhczf h lo lhyno jf 9080, jfwzhgh fl pkgo yfnkwzyhjo

    fc lh yfgfpgkc jf WBW omfyzhcjo wfy}kgkow co wolkgkzhjow fc fl lzkbo zykbfwzyf, xvf

    wvpocf vc kcgyfbfczo jf 8,> pvczow poygfczvhlfw jfwjf fl gobkfcqo jfl ho { 7,8

    pvczow poygfczvhlfw goc yfwpfgzo hl zykbfwzyf hczfykoy, fc fl xvf wf yfnkwzyhih fl bckbo

    dkwzykgo fc low }hloyfw $4&+#

    = Mvfczf1 Fl fc}o jf .wphb. wf yfjvgf fl >6& fc wfkw bfwfw# Jkwpockilf fc1dzzp1//~~~#flphkw#gob/hyzkgvlo/Phczhllhw/fc}ko/wphb/yfjvgf/>6/bfwfw/flpfpkyz}/90880886flpfpkyz}_9/Zfw#

    http://www.elpais.com/articulo/Pantallas/envio/spam/reduce/75/meses/elpepirtv/20110115elpepirtv_2/Teshttp://www.elpais.com/articulo/Pantallas/envio/spam/reduce/75/meses/elpepirtv/20110115elpepirtv_2/Teshttp://www.elpais.com/articulo/Pantallas/envio/spam/reduce/75/meses/elpepirtv/20110115elpepirtv_2/Tes
  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    17/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch 8> jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    Fc fl yfwzo jf ghwow, lhw }hykhgkocfw woc bw bojfyhjhw h lo lhyno jfl zkfbpo#

    Nymkgo 71 F}olvgkc jf lh kcgkjfcgkh jfglhyhjh jf wkzvhgkocfw jf kczfczo $co gocwvbhjo+

    jf myhvjf h zyh}w jfl zflmoco b}kl fc low lzkbow 7 bfwfw $&+

    8,>&7,0& 8,;&

    9,9&

    9,:& 9,:& 7,=& 9,>&

    ;,:& ;,9& 4,0&88,8&

    0&

    6&

    80&

    86&90&

    96&

    70&

    76&

    :0&

    :6&

    60&

    8Z80 9Z80 7Z80 :Z80

    Yfgfpgkc WBW wolkgkzhcjo glh}fw jf vwvhyko

    Yfgfpgkc jf vch llhbhjh zflfmckgh wolkgkzhcjo glh}fw jf vwvhyko

    Yfgfpgkc jf vc WBW omfyzhcjo vc wfy}kgko co wolkgkzhjo

    Ihwf1 Zozhl vwvhykow $c27#6>8 fc :Z80+ Mvfczf1 KCZFGO

    Poy lzkbo, wf kcglv{f h goczkcvhgkc lh Zhilh :, fc lh xvf wf gobphyhc low jhzow jfl

    lzkbo zykbfwzyf hchlkqhjo, myfczf h low yfnkwzyhjow h mkchlfw jf 900;# Fc nfcfyhl, lh

    f}olvgkc jf lh kcgkjfcgkh jf wkzvhgkocfw jf myhvjf fw jf wknco cfnhzk}o, zhczo wk wf

    pyojvgfc h zyh}w jf lh Yfj gobo jfl zflmoco b}kl, whl}o fc lh kc}kzhgkc h }kwkzhy vch

    pnkch ~fi wowpfgdowh { fc lh yfgfpgkc jf vch llhbhjh zflfmckgh wolkgkzhcjo glh}fw jf

    vwvhyko, wkzvhgkocfw gv{ow }hloyfw woc wkbklhyfw h low jfl ho hczfykoy#

    Dhwzh fl bobfczo, low ck}flfw jf kcgkjfcgkh jf wkzvhgkocfw jf kczfczo jf myhvjf h zyh}w

    jfl zflmoco b}kl woc bfcoyfw# Myfczf hl nhwzo xvf wvpocf phyh fl hzhghczf lhyfhlkqhgkc jf llhbhjhw zflfmckghw o fl fc}o jf bfcwhafw jf zftzo h zyh}w jf fwzf

    jkwpowkzk}o, low wfy}kgkow jf }oq h zyh}w jf Kczfycfz $]oKP+ woc bw ihyhzow o nyhzvkzow#

    Wkc fbihyno, lhw pykcgkphlfw fbpyfwhw jfl wfgzoy jf lh wfnvykjhj jf lh kcmoybhgkc

    wfhlhc gobo vch jf lhw pykcgkphlfw zfcjfcgkhw phyh low pytkbow how fl kcgyfbfczo jf

    hzhxvfw h zyh}w jf jkwpowkzk}ow b}klfw goc gocftkc h Kczfycfz $wbhyzpdocfw,

    ilhgeifyykfw, fzg#+, bfjkhczf lh gobikchgkc jf zgckghw jf kcnfckfyh wogkhl goc hzhxvfw

  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    18/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch 84 jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    zgckgow h low pykcgkphlfw wkwzfbhw opfyhzk}ow $Hcjyokj, W{bikhc, ^kcjo~w Boiklf, KOw,

    fzg#+ xvf ivwghc, fc lzkbh kcwzhcgkh, vc ifcfmkgko fgocbkgo jf lh }gzkbh>

    Zhilh :1 F}olvgkc jf lh kcgkjfcgkh jfglhyhjh jf wkzvhgkocfw jf kczfczo $co gocwvbhjo+ jf

    myhvjf fczyf 900; { 9080 $&+

    #

    Kcgkjfcgkh jfglhyhjh jf wkzvhgkocfw jf kczfczo $cogocwvbhjo+ jf myhvjf $&+

    900; 9080 F}olvgkc

    H zyh}w jf

    Kczfycfz

    Yfgfpgkc jf f"bhkl wolkgkzhcjoglh}fw jf vwvhyko

    98,=& 8;,;&

    Yfgfpgkc jf vch omfyzh jfzyhihao poy Kczfycfz xvf pvjkfyhwfy mhlwh o wowpfgdowh

    97,8& 98,8&

    Kc}kzhgkc h }kwkzhy hlnvch pnkch~fi wowpfgdowh

    7:,8& 7:,:&

    Yfgfpgkc jf f"bhkl omfyzhcjo vcwfy}kgko co wolkgkzhjo

    9;,:& 96,;&

    H zyh}w jfgoyyfo

    flfgzyckgo

    Yfgfpgkc WBW wolkgkzhcjo glh}fwjf vwvhyko

    7,8& 9,9&

    Yfgfpgkc jf vch llhbhjhzflfmckgh wolkgkzhcjo glh}fw jfvwvhyko

    9,;& 9,>&

    Yfgfpgkc jf vc WBW omfyzhcjovc wfy}kgko co wolkgkzhjo

    89,9& 88,8&

    Mvfczf1 KCZFGO

    7#9# Moybh hjopzhjh poy fl yfbkzfczf oyknfc jf lh gobvckghgkc wowpfgdowh jf

    wfy myhvjvlfczh

    Low hzhghczfw kczfczhc jfmyhvjhy h zyh}w jf gobvckghgkocfw wowpfgdowhw xvf wkbvlhc

    pyogfjfy jf jkmfyfczfw yfbkzfczfw, gobo bvfwzyh fl Nymkgo :# Fc fl gvhyzo zykbfwzyf jf

    9080, lh ihcgh oclkcf $:9,>&+ fl gobfygko flfgzyckgo $7;,0&+ { lhw lozfyhw $76,>&+, woc

    low pykcgkphlfw wfgzoyfw hmfgzhjow poy fwzf zkpo jf fwzhmh#

    Fwzow jhzow fwzc fc lcfh goc low pvilkghjow poy fl Hczk"Pdkwdkcn ^oyekcn Nyovp

    $HPN^+, oynhckqhgkc jfjkghjh h fwzvjkhy fl mfcbfco jfl pdkwdkcn h ck}fl bvcjkhl#HPN^ fc wv kcmoybf jfl 9 zykbfwzyf jf 9080 $lzkbo kcmoybf jkwpockilf fc fl xvf hchlkqh

    lh moybh hjopzhjh poy fl hzhghczf+, wfhlh hl wfgzoy mkchcgkfyo { h low wfy}kgkow jf phno

    gobo pykcgkphlfw oiafzk}ow jf low gkifyfwzhmhjoyfw4

    > Mvfczf1 Kcmoybf hcvhl jf myhvjf oclkcf { gkifygykbfc 9080# W98wfg# 9088# Jkwpockilf fc1

    #

    dzzp1//~~~#w98wfg#gob/jfmhvlz#hwpt4 Mvfczf1 Pdkwdkcn Hgzk}kz{ Zyfcjw Yfpoyz# 9cjXvhyzfy 9080# Hczk Pdkwdkcn ^oyekcn Nyovp# 9088# Jkwpockilf fc1dzzp1//~~~#hczkpdkwdkcn#oyn/yfpoyzw/hp~n_yfpoyz_x9_9080#pjm

    http://www.s21sec.com/default.aspxhttp://www.s21sec.com/default.aspxhttp://www.antiphishing.org/reports/apwg_report_q2_2010.pdfhttp://www.antiphishing.org/reports/apwg_report_q2_2010.pdfhttp://www.antiphishing.org/reports/apwg_report_q2_2010.pdfhttp://www.s21sec.com/default.aspx
  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    19/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch 8; jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    Nymkgo :1 Moybhw hjopzhjhw poy fl yfbkzfczf jf lh gobvckghgkc wowpfgdowh jf wfy

    myhvjvlfczh;

    :9,>&

    7;,0&76,>&

    9>,7&9:,7&

    8;,4& 90,>&

    8=,7&

    4,8&=,7& >,0&

    0&

    6&

    80&

    86&

    90&

    96&

    70&

    76&

    :0&

    :6&

    60&

    $&+

    Ihwf1 Vwvhykow xvf dhc wvmykjo hlnc kczfczo jf myhvjf $c28#;74+ Mvfczf1 KCZFGO

    Fl hclkwkw jf lh f}olvgkc hcvhl jf lhw moybhw hjopzhjhw poy fl yfbkzfczf jf lh

    gobvckghgkc wowpfgdowh jf wfy myhvjvlfczh $Nymkgo 6+ bvfwzyh xvf low ihcgow {

    fczkjhjfw mkchcgkfyhw }vfl}fc h lh pykbfyh powkgkc zyhw vc pykbfy wfbfwzyf jf 9080 fc fl

    xvf fl f"gobfygko fyh lh pykcgkphl moybh hjopzhjh# Lh zfygfyh powkgkc wknvf wkfcjo phyh

    lhw lozfyhw, goc }hloyfw xvf wf yfjvgfc phvlhzkchbfczf h lo lhyno jf lh wfykf $jfwjf fl

    7;,;& fc fl pykbfy zykbfwzyf dhwzh fl 76,>& yfnkwzyhjo fc fl lzkbo+#

    Jfwzhgh, fc fl gvhyzo lvnhy, low hwgfcwow fc fl wfnvcjo { zfygfy zykbfwzyf jf lhw

    gobvckghgkocfw pyobo}kjhw hphyfczfbfczf poy phyzkgvlhyfw, goc }hloyfw gfyghcow hl

    70&, zfcjfcgkh xvf co wf gocmkybh fc fl lzkbo zykbfwzyf# Fc gvhczo hl yfwzo jf moybhzow

    vzklkqhjow, lh f}olvgkc wf bvfwzyh bv{ fwzhilf#

    ; Low lkzfyhlfw vzklkqhjow fc fl gvfwzkochyko woc low wknvkfczfw1 Ihcgo o fczkjhjfw mkchcgkfyhw, Pnkchw jf gobfygko

    flfgzyckgo o gobpyh}fczh oclkcf, Fczkjhjfw jf bfjkow jf phno $zhyafzhw jf gyjkzo, Ph{Phl, fzg#+, Yfjfw wogkhlfw, pnkchwjf goczhgzow, Oynhckwbow jf lh Hjbkckwzyhgkc Pilkgh, Opfyhjoyfw jf zflfgobvckghgkocfw $zflfmoch mkah, b}kl, Kczfycfz+,Oynhckqhgkocfw wkc ckbo jf lvgyo $OCNw, mvcjhgkocfw, bvwfow, fzg#+, Pnkchw jf wvihwzhw oclkcf, Pnkchw jf lozfyhw,ghwkcow o avfnow oclkcf, Vc phyzkgvlhy, Ozyow#

  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    20/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch 90 jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    Nymkgo 61 F}olvgkc jf lhw moybhw hjopzhjhw poy fl yfbkzfczf jf lh gobvckghgkc

    wowpfgdowh jf wfy myhvjvlfczh80

    7;,;&

    :9,>&

    :7,;&

    7;,0&7>,9&

    76,>&

    96,>& 9>,7&

    97,;& 9:,7&98,7&

    8;,4&98,8&90,>&

    8;,9&8=,7&

    >,;& 4,8&

    =,9& =,7&>,>& >,0&

    0&

    6&

    80&

    86&

    90&

    96&

    70&

    76&

    :0&

    :6&

    60&

    8Z80 9Z80 7Z80 :Z80

    Ihcgo Gobfygko flfgzyckgo Lozfyhw

    Phyzkgvlhy Yfjfw wogkhlfw Zflfgobvckghgkocfw

    Bfjkow jf phno Wvihwzhw OCN { mvcjhgkocfw

    Hjbkckwzyhgkocfw Ozyow

    fc 9080 $&+

    Ihwf1 Vwvhykow xvf dhc wvmykjo hlnc kczfczo jf myhvjf $c28#;74+ Mvfczf1 KCZFGO

    Poy lzkbo, hl gozfahy low jhzow jfl lzkbo zykbfwzyf hchlkqhjo goc low jfl bkwbo pfykojo

    jf 900;, wf oiwfy}h xvf lhw bh{oyfw wvikjhw wf pyojvgfc fc low moybhzow jf yfbkzfczf

    xvf wkbvlhc wfy phyzkgvlhyfw $goc vc kcgyfbfczo jf 7,6 pvczow poygfczvhlfw+ { yfjfw

    wogkhlfw $7 pvczow poygfczvhlfw+# Low }hloyfw xvf ftpfykbfczhc low bh{oyfw jfwgfcwow

    woc lhw wvihwzhw $:,= pvczow poygfczvhlfw bfcow+ { lhw lozfyhw $7,7 pvczow+#

    80 ]fy Cozh hl Pkf ;#

  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    21/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch 98 jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    Zhilh 61 F}olvgkc jf lhw moybhw hjopzhjhw poy fl yfbkzfczf jf lh gobvckghgkc

    wowpfgdowh jf wfy myhvjvlfczh fczyf 900; { 9080 $&+

    Moybh hjopzhjh :Z 900; :Z9080 F}olvgkc

    Ihcgo :7,8 :9,>

    Gobfygko flfgzyckgo :8,; 7;,0

    Lozfyhw 7;,0 76,>

    Phyzkgvlhy 97,4 9>,7

    Yfjfw wogkhlfw 98,7 9:,7

    Zflfgobvckghgkocfw 98,: 8;,4

    Bfjkow jf phno 97,8 90,>

    Wvihwzhw 90,; 8=,7

    OCN { mvcjhgkocfw 4,7 4,8

    Hjbkckwzyhgkocfw ;,8 =,7

    Ozyow 6,8 >,0

    Mvfczf1 KCZFGO

    7#7# Kbphgzo fgocbkgo jfl myhvjf

    Wf fwzvjkh h goczkcvhgkc fl kbphgzo fgocbkgo pyo}oghjo poy low kczfczow jf myhvjf h

    zyh}w jf lh Yfj o jfl zflmoco b}kl, fc zybkcow jf pfyavkgko fgocbkgo fmfgzk}o {

    gvhczh jfl bkwbo#

    Fc fl gvhzyo zykbfwzyf jf 9080, fl ;6,9& jf low kczfychvzhw fwpholfw hmkybh co dhifywvmykjo fc low lzkbow zyfw bfwfw vc pfyavkgko fgocbkgo gobo gocwfgvfcgkh jf vc

    myhvjf oclkcf, bkfczyhw xvf vc :,4& w dhc wvmykjo pyjkjh# H pfwhy jfl lknfyo kcgyfbfczo

    ftpfykbfczhjo fc low jow lzkbow zykbfwzyfw jf 9080, lh f}olvgkc pyfwfczh jhzow bv{

    fwzhilfw h lo lhyno jf lh wfykf#

  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    22/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch 99 jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    Nymkgo =1 F}olvgkc jfl myhvjf goc kbphgzo fgocbkgo phyh fl vwvhyko $&+

    ;=,4& ;6,4& ;:,;& ;6,9&

    7,9& :,9& 6,8& :,4&

    0&

    80&

    90&

    70&

    :0&

    60&

    =0&

    >0&

    40&

    ;0&

    800&

    8Z80 9Z80 7Z80 :Z80

    Wkc kbphgzo fgocbkgo Kbphgzo fgocbkgo

    Ihwf1 Zozhl vwvhykow $c27#6>8 fc :Z80+ Mvfczf1 KCZFGO

    Fl Gjkno Pfchl fwphol fwzhilfgf fc :00 fl lbkzf fczyf lo xvf wf gocwkjfyh mhlzh $wk fw

    knvhl o kcmfykoy h fwh ghczkjhj+ { jflkzo $wk fw wvpfykoy+# Fc fl zykbfwzyf hchlkqhjo, fl 4:,7&jf low xvf dhc wvmykjo myhvjf goc pfyavkgko fgocbkgo jfglhyh xvf lh ghczkjhj hmfgzhjh

    fw kcmfykoy h :00 fvyow, bkfczyhw xvf fl 86,>& dh pfyjkjo vch ghczkjhj wvpfykoy h fwh

    gkmyh#

    Lh zfcjfcgkh h lo lhyno jf 9080 fw ihwzhczf fwzhilf, goc bh{oyh jf kcgkjfcgkhw jf

    myhvjf jfglhyhjhw xvf goyyfwpocjfyhc h mhlzhw $jhzow poy fcgkbh jfl 40& fc zojow low

    zykbfwzyfw+#

  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    23/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch 97 jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    Nymkgo >1 F}olvgkc jf lh gvhczh fgocbkgh jfyk}hjh jfl myhvjf $&+

    4:,8& 4=,8& 40,=& 4:,7&

    86,;& 87,;& 8;,:& 86,>&

    0&

    80&

    90&

    70&

    :0&

    60&

    =0&

    >0&

    40&

    ;0&

    800&

    8Z80 9Z80 7Z80 :Z80

    Dhwzh :00 $mhlzh+ Bw jf :00 $jflkzo+

    Ihwf1 Vwvhykow xvf dhc wvmykjo pfyavkgko fgocbkgo gobo gocwfgvfcgkh jf vc myhvjf oclkcf $c2894 fc :Z80+Mvfczf1 KCZFGO

    Fl hclkwkw jf lh f}olvgkc fczyf 900; { 9080 bvfwzyh xvf low jhzow jfl kbphgzo

    fgocbkgo jf lhw fwzhmhw oclkcf woc wkbklhyfw fc hbiow how, bkfczyhw xvf fc fl ghwojf lh gvhczh jfmyhvjhjh, hvbfczh lh pyopoygkc jf fwzhmhw yfpoyzhjhw poy vc }hloy

    kcmfykoy h :00 $:,7 pvczow poygfczvhlfw fc fl lzkbo ho+, co gocwzkzvzk}hw jf jflkzo wfnc

    lh Lf{#

    Zhilh =1 F}olvgkc jfl kbphgzo fgocbkgo jfl myhvjf fczyf 900; { 9080 $&+

    Kbphgzo fgocbkgo jfl myhvjf $&+ 900; 9080 F}olvgkc

    Kbphgzo fgocbkgoWkc kbphgzo fgocbkgo ;=,9& ;6,9&

    Goc kbphgzo fgocbkgo 7,4& :,4&

    Gvhczh fgocbkghDhwzh :00 $mhlzh+ 40,0& 4:,7&

    Bw jf :00 $jflkzow+ 90,0& 86,>&

    Mvfczf1 KCZFGO

    Phyh gobplfzhy fwzh phyzf jfl hclkwkw, fc fl gvhyzo zykbfwzyf jf 9080 jow jf ghjh 7

    vwvhykow hmfgzhjow $jf vc zozhl jf 894+ jfglhyhc xvf lh ghczkjhj fwzhmhjh fyh kcmfykoy h

    low 900 fvyow# Hwkbkwbo, jfwzhgh xvf fl poygfczhaf jf vwvhykow xvf jfglhyhc dhify

    wvmykjo vch fwzhmh fc lh myhcah gobpyfcjkjh fczyf :08 { 600 fw fl bkwbo xvf fczyf8#008 { 8#600 #

  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    24/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch 9: jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    Nymkgo 41 Jkwzykivgkc jfl kbpoyzf jfmyhvjhjo fc fl :Z 9080

    Mhlzh Jflkzo

    Ihwf1 Vwvhykow xvf dhc wvmykjo pfyavkgko fgocbkgo gobo gocwfgvfcgkh jf vc myhvjf oclkcf $c2894+

    Mvfczf1 KCZFGO

    7#:# Myhvjf { bhl~hyf

    Low jhzow pyfwfczhjow h goczkcvhgkc pyogfjfc jf low hclkwkw fbpykgow oizfckjow h

    zyh}w jf kWghc# Wf hchlkqh fl poygfczhaf jf bhl~hyf ghzhlonhjo gobo zyo{hco, hw gobo

    lh pyopoygkc jf zyo{hcow ihcghykow { yonvf~hyf xvf wf fcgvfczyhc fc low fxvkpow jf low

    donhyfw fwpholfw#

    8+ Low zyo{hcow ihcghykow woc pyonyhbhw bhlkgkowow xvf, vzklkqhcjo jk}fywhw

    zgckghw, yoihc kcmoybhgkc gocmkjfcgkhl h low glkfczfw jf ihcgh {/o plhzhmoybhw

    jf phno oclkcf88

    Phyh yfhlkqhy fl fwzvjko, wf dhc gocwkjfyhjo lhw wknvkfczfw mhbklkhw jf zyo{hcowihcghykow bw popvlhyfw xvf fmfgzhc hzhxvfw jkyknkjow goczyh fczkjhjfw

    ihcghykhw

    #

    89

    ihcgow, ihce, ihcefy, wklfczihcefy, qioz, wkco~hl, zoypkn, myhvj, qfvw,

    kcmowzfhlfy, hbilfy, wzfhlfy, {fwwkb, {hlvjlf, ihclohj, ihcephzgd, bvlzkihcefy,

    cfzdfll, gdyobfkcafgz, noljvc, ihcwp{, ihcgojooy { ihcgojo#

    #

    88 Mvfczf1 nlowhyko zgckgo PHCJH WFGVYKZ[#89 Ftkwzfc ozyhw mhbklkhw jf zyo{hcow xvf pvfjfc fbplfhywf phyh gobfzfy myhvjf hvcxvf wzf co wfh wv gobfzkjo

    pykboyjkhl o ckgo# Poy fafbplo, low ghpzvyhjoyfw nfcykgow jf zfglhw fc oghwkocfw pvfjfc wfy vzklkqhjow phyh ghpzvyhygyfjfcgkhlfw ihcghykhw# Jf knvhl moybh, low zyo{hcow zyhjkgkochlfw jf pvfyzh zyhwfyh pfybkzfc dhgfy ghpzvyhw jf phczhllhyfbozhw { }fy lo xvf fl vwvhyko fwgykif# Hw, pojyhc wfy fbplfhjow poy vc hzhghczf phyh kczfygfpzhy gyfjfcgkhlfw jfwfy}kgkow jf ihcgh o phnow oclkcf# Fwzhw mhbklkhw co wf fwzc gocwkjfyhcjo fc fl hclkwkw#

  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    25/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch 96 jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    9+ H phyzky jfl wfnvcjo zykbfwzyf jf 9080 wf dh kcglvkjo fc fl hclkwkw jf low

    zyo{hcow lh zkpolonh yonvf~hyf# Fl yonvf~hyf o yonvf womz~hyf fw vc zkpo jf

    bhl~hyf gv{h pykcgkphl mkchlkjhj fw dhgfy gyffy h lh }gzkbh xvf fwz kcmfgzhjh

    poy hlnc zkpo jf }kyvw, kcjvgkfcjo h phnhy vch jfzfybkchjh wvbh jf jkcfyo

    phyh flkbkchylo# Fl gocgfpzo jfl phno wvflf wfy lh gobpyh jf vc mhlwo hczk}kyvw,

    xvf yfwvlzh fc yfhlkjhj fl bhl~hyf fc w# Fc low lzkbow zkfbpow, fwzf zkpo jf

    bhl~hyf fwz wkfcjo bv{ jkmvcjkjo { wf fwzc jfzfgzhcjo nyhc ghczkjhj jf

    }hykhczfw#

    Fc fl ghwo jf yonvf~hyf, wf dhc gocwkjfyhjo lhw wknvkfczfw jfcobkchgkocfw

    yfgocogkjhw1

    Yonvf, yonvf~hyf, yonvf"~hyf, mhefh}, h}mhef, mhefhlfyz, mhef"hlfyz, hlfyzmhefhlfyz"mhef, MyhvjLohj, Mhef]kbfw, Mhefwfgvyf, ]kyvwhlhybpyo, Myhvjphge,

    Gojfgphge, Hlfyz]ky, Wkbvlhzfj]ky, ^kcMktfy { TPHczk}kyvw#

    Ghif yfgoyjhy, phyh kczfypyfzhy goyyfgzhbfczf lhw gkmyhw, xvf low fxvkpow xvf hloahc

    bhl~hyf ihcghyko o yonvf~hyf co cfgfwhykhbfczf zfybkchc ftpfykbfczhcjo vch

    wkzvhgkc jf myhvjf# Hw, phyh xvf vc myhvjf poy zyo{hco ihcghyko wf gocwvbf, jfifc

    gocgvyyky lhw wknvkfczfw gkygvcwzhcgkhw1 fc pykbfy lvnhy, fl fxvkpo jfl vwvhyko dh jf fwzhy

    kcmfgzhjo poy fwzf zkpo jf zyo{hco5 hjfbw, fl fwpgkbfc xvf kcmfgz lh bxvkch dh jf

    hzhghy h lh fczkjhj ihcghykh goc lh xvf opfyh fl vwvhyko5 poy lzkbo, fl gkvjhjhco dh jf

    kckgkhy wfwkc fc wv fwphgko jf ihcgh flfgzyckgh { yfllfchy low jhzow hjkgkochlfw xvf wf

    lf wolkgkzfc# Jfl bkwbo bojo, phyh xvf wf pyojvqgh fmfgzk}hbfczf fl myhvjf poy

    yonvf~hyf, fl vwvhyko jfif xvfjhy kcmfgzhjo poy fwf zkpo jf zyo{hco { hjfbw phnhy lh

    lkgfcgkh jfl womz~hyf bhlkgkowo#

    Bvgdow fxvkpow pvfjfc phwhy bfwfw kcmfgzhjow dhwzh xvf wf jhc zojhw fwzhw

    gkygvcwzhcgkhw, o pvfjf xvf kcglvwo fl vwvhyko cvcgh opfyf goc wv zhyafzh o co llfnvf h

    yfllfchy zojow low jhzow ftzyh wolkgkzhjow poy fl zyo{hco { poy zhczo fl myhvjf co wfh

    gocwvbhjo#

    Gobo bvfwzyh fl Nymkgo ;, fc jkgkfbiyf jf 9080 vc 7;,4& jf low fxvkpow hchlkqhjow

    hloahc zyo{hcow, vc =,4& hloahc zyo{hcow ihcghykow { vc 6,4& wvmyf vch kcmfggkc poy

    yonvf~hyf#

    Hzfcjkfcjo h lh f}olvgkc dkwzykgh jf low }hloyfw, lh zfcjfcgkh jf fxvkpow xvf hloahc

    zyo{hcow $co fwpfgmkghbfczf jfjkghjow hl yoio jf gyfjfcgkhlfw ihcghykhw+ fc lh pykbfyh

    bkzhj jfl ho fw bv{ gocwzhczf, wk ikfc fc lh wfnvcjh bkzhj jf 9080 wf oiwfy}h vc

    lknfyo kcgyfbfczo fc low }hloyfw, poy lo xvf, fc fl gocavczo jfl ho, lh wvikjh fw jf ghwk 6

    pvczow poygfczvhlfw#

  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    26/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch 9= jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    Fc fl ghwo jf low fxvkpow kcmfgzhjow poy zyo{hcow ihcghykow, lh zfcjfcgkh wf ghyhgzfykqh

    poy vc jfwgfcwo lf}f pfyo goczkcvhjo fc low }hloyfw, jfwjf vc 80,>& jf kcmfggkocfw fc

    fcfyo jf 9080 dhwzh vc =,4& fc fl lzkbo bfw jfl ho#

    Lhw kcmfggkocfw poy yonvf~hyf wf bhczkfcfc fc low bkwbow ck}flfw xvf fc wfpzkfbiyf jf

    9080 $6,4&+# Jfwjf fl pykbfy bfw xvf kcglv{ fl hclkwkw jf low fxvkpow xvf hloahihc

    yonvf~hyf $hiykl jf 9080+, wf dh pyojvgkjo vc kcgyfbfczo jf 9,9 pvczow poygfczvhlfw#

    Nymkgo ;1 F}olvgkc jf fxvkpow xvf hloahc zyo{hcow ihcghykow { yonvf~hyf $&+

    76,0& 7:,;& 7:,=& 7:,9& 7:,:& 7:,7&7>,4& 74,9& 74,>& 74,>& 7;,6& 7;,4&

    7,=& 7,6& 7,>& 6,0& 6,0& 6,4& 6,>& 6,4& 6,4&

    80,>& 80,6& ;,9& 4,=& >,4& >,8& =,4& >,8& >,0& =,>& =,;& =,4&

    0&

    80&

    90&

    70&

    :0&

    60&

    =0&

    >0&

    40&

    ;0&

    800&

    Zyo{hcow Yonvf~hyf Zyo{hcow ihcghykow

    Mvfczf1 KCZFGO

    Zfckfcjo fc gvfczh fl }hloy hlghcqhjo fc jkgkfbiyf jf 900;, vc ho jfwpvw fl

    poygfczhaf jf fxvkpow kcmfgzhjow poy zyo{hcow wf dh kcgyfbfczhjo fc :,9 pvczow

    poygfczvhlfw# Fwzf gobpoyzhbkfczo fwz fc lcfh goc lh kcmoybhgkc pyopoygkochjh jfwjf

    lh kcjvwzykh jf wfnvykjhj, xvf ghyhgzfykqh fl ho 9080 gobo vc pvczo jf kcmlftkc fc lhwfnvykjhj jf lh kcmoybhgkc goc yfwpfgzo h how hczfykoyfw#

    Goc yfwpfgzo h 900;, fc 9080 zojh}h co wf hpyfgkhc nyhcjfw ghbikow fc lhw

    kcmfggkocfw, pfyo jvyhczf fl bkwbo hphyfgfc cvf}ow mhgzoyfw xvf kbplkghyc xvf 9088

    wfh vc ho fc fl xvf fl cbfyo, lh gobplfakjhj { lh nyh}fjhj jf low kcgkjfczfw jf

    wfnvykjhj gyfgfy1 gobikchgkocfw jf bhl~hyf jkyknkjhw hl wfgzoy mkchcgkfyo, mhlwh

    wfcwhgkc jf wfnvykjhj poy phyzf jf low vwvhykow hl vzklkqhy yfjfw wogkhlfw, goftkwzfcgkh

    jf bhmkhw oynhckqhjhw jf gkifyhzhghczfw { dhgefyw a}fcfw goc bozk}hgkocfw zfbfyhykhw

  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    27/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch 9> jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    $low llhbhjow wgykpz"ekjjkfw+, cvf}ow oynfcfw jf low hzhxvfw $Fvyoph jfl Fwzf,

    Lhzkcohbykgh+, fzg87

    Zhilh >1 F}olvgkc jf fxvkpow xvf hloahc zyo{hcow ihcghykow { yonvf~hyf fczyf 900; { 9080

    $&+

    #

    Fxvkpow xvf hloahczyo{hcow ihcghykow {

    yonvf~hyf $&+900; 9080 F}olvgkc

    Zyo{hcow 76,=& 7;,4&

    Yonvf~hyf c#j# 6,4&

    Zyo{hcow ihcghykow =,7& =,4&

    Mvfczf1 KCZFGO

    7#6# Kcmlvfcgkh jfl kczfczo jf myhvjf fc low dikzow yflhgkochjow goc lh ihcgh h

    zyh}w jf Kczfycfz { fl gobfygko flfgzyckgo

    Fc fl Nymkgo 80 wf hchlkqhc low dikzow pyvjfczfw yflhgkochjow goc lh ihcgh { fl

    gobfygko h zyh}w jf lh Yfj, gobphyhcjo low yfwvlzhjow fczyf low vwvhykow xvf co dhc

    wvmykjo pfyavkgko fgocbkgo jfyk}hjo jf myhvjf { low xvf w#

    Low vwvhykow xvf dhc wvmykjo pyjkjhw fgocbkghw hjopzhc bh{oykzhykhbfczf dikzowgobo gfyyhy lh wfwkc hl zfybkchy $4>,8&+, gobpyoihy jfl vwo jf gocftkocfw wfnvyhw fc

    lhw zyhcwhggkocfw oclkcf $>4,7&+, f}kzhy lh vzklkqhgkc jf fxvkpow pilkgow o gobphyzkjow

    $>=,7&+ { }knklhy pfykjkghbfczf low bo}kbkfczow jf lh gvfczh ihcghykh oclkcf $>7,6&+#

    Poy wv phyzf, hxvfllow vwvhykow xvf jfglhyhc co dhify yfnkwzyhjo vch pyjkjh jfyk}hjh jf

    myhvjf yfhlkqhc fc bh{oy bfjkjh low wknvkfczfw gobpoyzhbkfczow pyvjfczfw1 gkfyyo wfwkc

    hl zfybkchy $4=,8&+, f}kzo vwhy fxvkpow pilkgow o gobphyzkjow $49,=&+, }knklo low

    bo}kbkfczow jf bk gvfczh fc lcfh $>;,8&+, mhgklkzo jhzow/goczyhwfhw poy fbhkl o

    zflmoco $fc jfwhgvfyjo+ $>4,9&+ { gobpyvfio xvf lh gocftkc fw wfnvyh hl yfhlkqhyopfyhgkocfw fc lcfh $>=,9&+#

    Fc nfcfyhl, co ftkwzfc jkmfyfcgkhw yflf}hczfw fc lh hjopgkc jf dikzow pyvjfczfw fczyf

    hxvfllow xvf dhc zfckjo vc kbphgzo fc wv fgocobh { low xvf co# Lh bh{oy jkmfyfcgkh wf

    oiwfy}h fc lh hmkybhgkc Mhgklkzo jhzow/goczyhwfhw poy fbhkl o zflmoco $fc jfwhgvfyjo+,

    bw hjopzhjh poy low vwvhykow xvf co dhc wvmykjo pfyavkgko fgocbkgo $>4,9&+ xvf poy

    low xvf w lo dhc zfckjo $6;,6&+# Jfwzhgh zhbikc lh jkmfyfcgkh fc fl dikzo Phno

    bfjkhczf vch zhyafzh ihcghykh pyfphno o zhyafzh"bocfjfyo, fc fwzf ghwo yfhlkqhjo fc

    87 ]fy cozh hl pkf >#

  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    28/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch 94 jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    bh{oy bfjkjh poy low vwvhykow xvf jfglhyhc pfyavkgko fgocbkgo $=9,9&+, xvf low xvf co

    $60,4&+#

    Nymkgo 801 Dikzow pyvjfczfw yflhgkochjow goc ihcgh fc lcfh { gobfygko flfgzyckgo fczyf

    low vwvhykow xvf dhc wkjo }gzkbh jf pfyavkgko fgocbkgo poy fl myhvjf wvmykjo { low xvf co

    $&+

    6;,6&

    =9,9&

    =0,8&

    >7,6&

    >4,7&

    >=,7&

    4>,8&

    >4,9&

    60,4&

    64,9&

    >;,8&

    >=,9&

    49,=&

    4=,8&

    0& 80& 90& 70& :0& 60& =0& >0& 40& ;0&800&

    Mhgklkzo jhzow/goczyhwfhw poy fbhkl ozflmoco $fc jfwhgvfyjo+

    Phno bfjkhczf vch zhyafzh ihcghykh pyfphno ozhyafzh"bocfjfyo

    Wkfbpyf zfglfo lh jkyfggkc ~fi

    ]knklo pfykjkghbfczf low bo}kbkfczow jf bkgvfczh ihcghykh oc"lkcf

    Gvhcjo yfhlkqo zyhcwhggkocfw oclkcf

    gobpyvfio xvf vwo vch gocftkc wfnvyh

    F}kzo vwhy fxvkpow pilkgow o gobphyzkjow

    Gkfyyo lh wfwkc hl zfybkchy

    Co dh wvmykjo pfyavkgko fgocbkgo Dh wvmykjo pfyavkgko fgocbkgo $c2894+ Ihwf1 Vwvhykow xvf vzklkqhc gobfygko flfgzyckgo {/o ihcgh fc lcfh $c27#94;+ Mvfczf1 KCZFGO

    Fc fl Nymkgo 88 wf yfpyfwfczh fl ck}fl jf gocmkhcqh xvf lfw omyfgf h low vwvhykow yfhlkqhy

    gobpyhw h zyh}w jf Kczfycfz { lh ihcgh oclkcf, jkwzkcnvkfcjo fczyf hxvfllow xvf dhc wkjo

    }gzkbh jf kczfczo jf myhvjf {/o dhc wvmykjo pfyavkgko fgocbkgo { low xvf co#

    Fc fl gvhyzo zykbfwzyf jf 9080, low vwvhykow bvfwzyhc vc ivfc ck}fl jf gocmkhcqh fc

    Kczfycfz gobo bfjko phyh yfhlkqhy gobpyhw { zyhcwmfyfcgkhw ihcghykhw#

    Vc 64,>& jf xvkfcfw dhc wkjo }gzkbhw jf vc kczfczo jf myhvjf gocmhc bvgdo o

    ihwzhczf fc lhw opfyhgkocfw ihcghykhw fc Kczfycfz { vc :;,9& fc lhw gobpyhw

    oclkcf goc zhyafzh jf gyjkzo/jikzo#

    Fc fl ghwo jf low xvf co dhc wvmykjo vc kczfczo jf hzhxvf myhvjvlfczo, vc 68,8&

    jfpowkzh bvgdh { ihwzhczf gocmkhcqh fc lh ihcgh fc lcfh { vc :8,:& fc lh

    gobpyh"}fczh fc lh Yfj#

    Lh bh{oy gocmkhcqh jf low vwvhykow jfl pykbfy nyvpo pvfjf jfifywf h xvf fwzow woc

    ch}fnhczfw bw kczfcwk}ow { poy zhczo vwhc bw fwzow wfy}kgkow { wvmyfc bw kczfczowjf myhvjf#

  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    29/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch 9; jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    Nymkgo 881 Ck}fl jf gocmkhcqh fczyf low vwvhykow xvf dhc wkjo }gzkbh jf kczfczo jf myhvjf

    {/o dhify wvmykjo pfyavkgko fgocbkgo { low xvf co $&+

    64,>&68,8& :;,9&

    :8,:&

    97,7&94,>& 9;,6&

    76,9&

    8>,;& 90,9& 98,7& 97,:&

    0&

    80&

    90&

    70&

    :0&

    60&

    =0&

    >0&

    40&

    ;0&

    800&

    Dh wkjo }gzkbh Co dh wkjo }gzkbh Dh wkjo }gzkbh Co dh wkjo }gzkbh

    Yfhlkqhy opfyhgkocfw ihcghykhw fc Kczfycfz Yfhlkqhy gobpyhw poy Kczfycfz vzklkqhcjo lhzhyafzh jf gyjkzo/jikzo

    Bvgdh/ihwzhczf gocmkhcqh Ck pogh ck bvgdh gocmkhcqh Pogh/ckcnvch gocmkhcqh

    Ihwf1 Vwvhykow xvf vzklkqhc gobfygko flfgzyckgo {/o ihcgh fc lcfh $c27#94;+ Mvfczf1 KCZFGO

    Fc fl ghwo jf lh vzklkqhgkc jf wfy}kgkow jf gobfygko flfgzyckgo, low vwvhykow xvf wvmyfc

    vc kczfczo jf myhvjf $co gocwvbhjo+ bvfwzyhc mkjflkjhj fc wvw dikzow jfwpvw jf wvmyky

    fl kcgkjfczf# Vc 48,4& co bojkmkghc fl vwo, myfczf h vc 6& xvf hihcjochc fwzh hgzk}kjhj

    { vc 87,8& xvf yfjvgfc wv vzklkqhgkc#

    Low }hloyfw h lo lhyno jf 9080 wf bvfwzyhc bv{ fwzhilfw, lo xvf pvfjf jfifywf h xvf low

    vwvhykow, h pfwhy jf wfy }gzkbhw jf wkzvhgkocfw jf myhvjf, gocwkjfyhc fwzow wfy}kgkow

    oclkcf gobo kbpyfwgkcjkilfw, poy lo xvf co hihcjochc wv vwo#

  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    30/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch 70 jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    Nymkgo 891 Bojkmkghgkc jf dikzow jf gobfygko flfgzyckgo zyhw wvmyky kczfczo

    49,:& 47,8& 48,;& 48,4&

    89,=& 88,>& 87,:& 87,8&

    :,;& 6,8& :,=& 6,0&

    0&

    80&

    90&

    70&

    :0&

    60&

    =0&

    >0&

    40&

    ;0&

    800&

    8Z80 9Z80 7Z80 :Z80

    Wkc bojkmkghgkc jf dikzow jf gobfygko flfgzyckgo

    Yfjvggkc jf vwo jf gobfygko flfgzyckgo

    Hihcjoco gobfygko flfgzyckgo

    $co

    gocwvbhjo+ jf myhvjf $&+

    Ihwf1 Vwvhykow xvf dhc wvmykjo hlnc kczfczo jf myhvjf {/o vc pfyavkgko fgocbkgo $c28#;60+Mvfczf1 KCZFGO

    Low gobpoyzhbkfczow woc bv{ wkbklhyfw fc fl ghwo jf low wfy}kgkow ihcghykow oclkcf# Jflow vwvhykow xvf woc }gzkbhw jf vch wkzvhgkc jf fwzf zkpo, wlo vc 9,;& hihcjoch lh

    vzklkqhgkc jf fwzow wfy}kgkow jfwpvw jfl kcgkjfczf { vc 0,6& ghbikh jf fczkjhj jf

    ihcgh oclkcf# Myfczf h fwzow vwvhykow, vc 4>,4& co bojkmkghc fl vwo jf fwzow wfy}kgkow {

    vc 4,;& yfjvgfc wv vwo#

    Fc fwzf ghwo low }hloyfw zhbikc bvfwzyhc ihwzhczf gocwzhcgkh fc wv f}olvgkc#

  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    31/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch 78 jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    Nymkgo 871 Bojkmkghgkc jf dikzow jf ihcgh flfgzyckgh zyhw wvmyky kczfczo

    ;0,9& 44,:& 44,6& 4>,4&

    >,7& 4,:& 4,0& 4,;&9,0& 9,>& 7,8& 9,;&0,6& 0,6& 0,:& 0,6&

    0&

    80&90&

    70&

    :0&

    60&

    =0&

    >0&

    40&

    ;0&

    800&

    8Z80 9Z80 7Z80 :Z80

    Wkc bojkmkghgkc jf dikzow jf ihcgh flfgzyckgh

    Yfjvggkc jf vwo jf ihcgh flfgzyckgh

    Hihcjoco ihcgh flfgzyckgh

    Ghbiko jf fczkjhj jf ihcgh flfgzyckgh

    $co gocwvbhjo+

    jf myhvjf $&+

    Ihwf1 Vwvhykow xvf dhc wvmykjo hlnc kczfczo jf myhvjf {/o vc pfyavkgko fgocbkgo $c28#;60+Mvfczf1 KCZFGO

    Poy lzkbo, wf kcglv{f lh Zhilh 4 yflhzk}h h lh gobphyhgkc jf low jhzow oizfckjow h mkchlfwjf 900; { fc fl bkwbo pfykojo jf 9080# Fc fl lzkbo ho, jfwzhgh lh yfjvggkc fc 9,9

    pvczow poygfczvhlfw fc lh pyopoygkc jf vwvhykow xvf co bojkmkghc wvw dikzow jf

    gobfygko flfgzyckgo zyhw wvmyky vc kcgkjfczf jf myhvjf $co gocwvbhjo+, bkfczyhw xvf wf

    kcgyfbfczh ghwk fc lh bkwbh bfjkjh hxvfllow xvf yfjvgfc wv vwo $9 pvczow

    poygfczvhlfw+# Fwzh wkzvhgkc fw bv{ wkbklhy h lh ftpfykbfczhjh fc lh vzklkqhgkc jf

    wfy}kgkow jf ihcgh oclkcf zyhw wfy }gzkbh jf vc kczfczo jf myhvjf#

    Zhilh 41 F}olvgkc jf lh bojkmkghgkc jf dikzow zyhw wvmyky vc kczfczo $co gocwvbhjo+ jf

    myhvjf fczyf 900; { 9080 $&+

    Bojkmkghgkc jf dikzow zyhw wvmyky vc kczfczo$co gocwvbhjo+ jf myhvjf $&+ 900; 9080 F}olvgkc

    Gobfygkoflfgzyckgo

    Wkc bojkmkghgkc jf dikzow 4:,0& 48,4&

    Yfjvggkc jfl vwo 88,8& 87,8&

    Hihcjoco 6,0& 6,0&

    Ihcghflfgzyckgh

    Wkc bojkmkghgkc jf dikzow 4;,:& 4>,4&

    Yfjvggkc jfl vwo >,:& 4,;&

    Hihcjoco 9,>& 9,;&

    Ghbiko jf fczkjhj jf ihcgh flfgzyckgh 0,6& 0,6& Mvfczf1 KCZFGO

  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    32/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch 79 jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    :# GOCGLVWKOCFW [ YFGOBFCJHGKOCFW

    :#8# Gocglvwkocfw jfl hclkwkw

    Fc fl lzkbo zykbfwzyf jf 9080, hw gobo fc fl gocavczo hcvhl, low kczfychvzhw xvf hmkybhc

    dhify wkjo }gzkbh jf kczfczo $co cfgfwhykhbfczf gocwvbhjo+ jf myhvjf oclkcf fc low

    lzkbow zyfw bfwfw wvpfyhc lknfyhbfczf h low xvf ckfnhc dhify wvmykjo vch fwzhmh jf

    fwzf zkpo#

    Low hzhghczfw vzklkqhc jk}fywhw zgckghw jf kcnfckfyh wogkhl phyh gobfzfy myhvjf,

    bh{oykzhykhbfczf h zyh}w jf lh Yfj, hvcxvf goc pyf}kwkocfw jf vch kcgkjfcgkh ghjh }fq

    bh{oy fc fl zflmoco b}kl# Fwzo wf jfif h lh nyhc ftzfcwkc jf jkwpowkzk}ow b}klfw goc

    gocftkc h lh Yfj fc fl lzkbo ho { fl gocwknvkfczf hihyhzhbkfczo jfl gowzf jf lhwgobvckghgkocfw jf lh zflfmoch b}kl goc}fcgkochl#

    Low hclkwkw fbpykgow bvfwzyhc xvf : jf ghjh 80 fxvkpow wvmyfc vch kcmfggkc poy

    zyo{hcow hl gkfyyf jf 9080# Low jhzow bvfwzyhc vch bh{oy kcgkjfcgkh fc lh wfnvcjh bkzhj

    jfl ho, jhzo xvf fwz fc lcfh goc lh kcmoybhgkc pyopoygkochjh poy lh kcjvwzykh jf

    wfnvykjhj8:

    Fl zkpo jf zyo{hcow fwpfgmkghbfczf jkyknkjo hl yoio jf gyfjfcgkhlfw ihcghykhw dh

    bowzyhjo vch zfcjfcgkh jfgyfgkfczf h lo lhyno jfl ho, dhwzh zfybkchy fc bckbow

    dkwzykgow# Fc ghbiko, fc fl wfnvcjo zykbfwzyf jf 9080 wf kcgoypoy hl hclkwkw fl zkpo jf

    zyo{hco gocogkjo gobo yonvf~hyf { lh f}olvgkc xvf dh ftpfykbfczhjo fc low lzkbow

    cvf}f bfwfw hpvczh h xvf pvfjf wfy vch hbfchqh hl hlqh jf ghyh h 9088#

    , xvf ghyhgzfykqh fl ho 9080 gobo vc pvczo jf kcmlftkc fc lh wfnvykjhj jf lh

    kcmoybhgkc, h phyzky jfl gvhl low hzhxvfw gocogkjow dhwzh fl bobfczo }hc h kczfcwkmkghywf

    fc cbfyo {, woiyf zojo, fc gobplfakjhj { nyh}fjhj#

    Zykbfwzyf zyhw zykbfwzyf, low vwvhykow yfhmkybhc lh gocmkhcqh xvf jfpowkzhc fc low

    wfy}kgkow jf ihcgh oclkcf { gobfygko flfgzyckgo, hvc gvhcjo dh{hc wvmykjo vc kczfczo jf

    myhvjf# Yfwvlzh fwpfgkhlbfczf kczfyfwhczf lh flf}hjh mkjflkqhgkc poy lh ihcgh oclkcf, h

    pfwhy jf wfy lh pykcgkphl bwghyh hjopzhjh poy low gkifyfwzhmhjoyfw fc wvwgobvckghgkocfw#

    Xv moybh hjopzh fl yfbkzfczf oyknfc jf lh gobvckghgkc wowpfgdowh jf wfy

    myhvjvlfczh?

    Lhw fczkjhjfw ihcghykhw { low wfy}kgkow jf gobfygko flfgzyckgo woc low pykcgkphlfw

    yfbkzfczfw jf low goyyfow wowpfgdowow jf wfy myhvjvlfczow# Fwzo pvfjf jfifywf, zhl }fq,

    h xvf fwzhw fczkjhjfw woc lhw xvf bw gocmkhcqh omyfgfc h low vwvhykow, { poy fwo low

    8: Mvfczf1 Kcmoybf hcvhl jf myhvjf oclkcf { gkifygykbfc 9080# W98wfg# 9088# Jkwpockilf fc1dzzp1//~~~#w98wfg#gob/jfmhvlz#hwpt

    http://www.s21sec.com/default.aspxhttp://www.s21sec.com/default.aspxhttp://www.s21sec.com/default.aspx
  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    33/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch 77 jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    hzhghczfw pfymfggkochc low hzhxvfc h zyh}w jf fwzow ghchlfw phyh xvf yfwvlzfc bw

    gyfilfw phyh lhw }gzkbhw#

    Gvczo kbphgzo fgocbkgo dh ghvwhjo fl myhvjf?

    Fc fl lzkbo zykbfwzyf jf 9080, ghwk jow jf ghjh zyfw vwvhykow xvf dh wvmykjo vc kbphgzo

    fgocbkgo gobo gocwfgvfcgkh jf vc kczfczo jf myhvjf hmkybhc xvf lh ghczkjhj fwzhih

    poy jfihao jf low 900 # H pfwhy jfl yfpvczf ftpfykbfczhjo fc fl zfygfy zykbfwzyf jfl ho

    fc lh pyopoygkc jf vwvhykow hmfgzhjow fgocbkghbfczf, fc fl xvf wf wvpfyh lh ihyyfyh

    jfl 6&, fl lzkbo jhzo jfl ho }vfl}f h fwzhy poy jfihao jf fwf vbiyhl#

    Xv jhzow omyfgfc low hclkwkw fbpykgow?

    Low fwghcfow yfhlkqhjow h zyh}w jf lh dfyyhbkfczh kWghc kcjkghc xvf fc lh wfnvcjhbkzhj jf 9080 wf oiwfy}h vc lknfyo kcgyfbfczo fc low }hloyfw, dhwzh hlghcqhy fc

    jkgkfbiyf fl poygfczhaf jf 7;,4& jf fxvkpow kcmfgzhjow poy zyo{hcow# Fc fl gocavczo jfl

    ho, lh wvikjh fw jf ghwk 6 pvczow poygfczvhlfw#

    Hzfcjkfcjo h lh zkpolonh jf zyo{hcow, fl poygfczhaf jf zyo{hcow ihcghykow gocmkybh vch

    zfcjfcgkh jf jfwgfcwo phvlhzkco $7,; pvczow poygfczvhlfw bfcow xvf h gobkfcqow jfl

    ho, dhwzh vc =,4& fc jkgkfbiyf jf 9080+, bkfczyhw xvf hwgkfcjf lh pyopoygkc jf

    fxvkpow xvf hloahc yonvf~hyf $jf vc 7,=& fc hiykl h vc 6,4& fc fl lzkbo bfw jfl ho+#

    Fwzf kcgyfbfczo pvfjf jfifywf h xvf low hzhghczfw fwzc oizfckfcjo vc kbpoyzhczfyjkzo hl gyfhy fwzf zkpo jf bhl~hyf { xvf fwzo lfw llf}h h wv pyojvggkc bhwk}h,

    bfaoyhcjo lhw bvfwzyhw#

    Xv kcmlvfcgkh dh zfckjo fl kczfczo jf myhvjf fc lh f"gocmkhcqh yflhgkochjh goc lh

    ihcgh h zyh}w jf Kczfycfz { fl gobfygko flfgzyckgo?

    Dhify wvmykjo vc kczfczo jf myhvjf co fw wkcckbo jf pyjkjh jf gocmkhcqh {, fc fwzf

    wfczkjo, low vwvhykow ghjh }fq bvfwzyhc bw yfwphljo h low wfy}kgkow fc lcfh# Vc 64,>&

    jf low vwvhykow xvf dhc wkjo }gzkbhw jf myhvjf jfglhyhc xvf yfhlkqhy opfyhgkocfw

    ihcghykhw fc Kczfycfz lfw nfcfyh bvgdh { ihwzhczf gocmkhcqh { fl poygfczhaf hlghcqh vc

    :;,9& fc fl ghwo jf lhw gobpyhw poy Kczfycfz vzklkqhcjo lh zhyafzh jf gyjkzo/jikzo#

    Hxvfllow xvf co dhc wvmykjo vc kcgkjfczf jf fwzf zkpo bvfwzyhc }hloyfw jf gocmkhcqh

    lknfyhbfczf kcmfykoyfw h low hczfykoyfw#

    Poy lzkbo, low dikzow jf low vwvhykow hpfchw wf bojkmkghc zyhw dhify wvmykjo vc kczfczo

    jf myhvjf {, zhczo fc fl ghwo jf lh yfhlkqhgkc jf opfyhgkocfw ihcghykhw oclkcf gobo fc

    fl ghwo jf lh gobpyh { }fczh h zyh}w jf lh Yfj, lh nyhc bh{oyh jf low vwvhykow co

    hihcjochc fwzow wfy}kgkow, goc }hloyfw bv{ wkbklhyfw h low jf zykbfwzyfw hczfykoyfw#

  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    34/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch 7: jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    :#9# Yfgobfcjhgkocfw

    H goczkcvhgkc wf bvfwzyhc hlnvchw yfgobfcjhgkocfw phyh f}kzhy wfy }gzkbh jf kczfczo

    jf myhvjf h zyh}w jf Kczfycfz o zflfmckgo1

    Vzklkqhy gvfczhw jf vwvhyko goc pfybkwow lkbkzhjow#

    Vzklkqhy goczyhwfhw wfnvyhw#

    Co fc}khy kcmoybhgkc pfywochl o mkchcgkfyh h zyh}w jfl goyyfo flfgzyckgo#

    Wfy gocwgkfczf jf xvf low ihcgow o fczkjhjfw mkchcgkfyhw cvcgh pkjfc low jhzow

    pfywochlfw poy goyyfo flfgzyckgo#

    Wkfbpyf xvf fl vwvhyko kczyojvqgh low jhzow ihcghykow fc vch pnkch ~fi jfif

    gfygkoyhywf jf xvf fwz vzklkqhcjo vc pyozogolo wfnvyo $lh VYL jfif gobfcqhy poy

    dzzpw fc lvnhy jf poy dzzp+#

    Jkwpocfy jfl ch}fnhjoy jf Kczfycfz hgzvhlkqhjo pfybkzf zfcfy low pyozogolow jf

    wfnvykjhj fc yfnlh#

    Nvhyjhy o kbpykbky lh kcmoybhgkc gvhcjo wf yfhlkqh vch opfyhgkc fgocbkgh h

    zyh}w jf lh Yfj#

    Lkbkzhy lh kcmoybhgkc pfywochl xvf wf pyopoygkoch fc lhw yfjfw wogkhlfw#

    Vwhy pyonyhbhw jf wfnvykjhj fc low fxvkpow fc low xvf wf yfhlkgfc opfyhgkocfw h

    zyh}w jf Kczfycfz#

    Jkwpocfy jf low pyonyhbhw jf wfnvykjhj hgzvhlkqhjow fc zojo bobfczo#

    H lh doyh jf gocfgzhywf h vch yfj pilkgh wf jfif wfy pyvjfczf, {h xvf pvfjf

    ftkwzky gvhlxvkfy pfywoch gocfgzhjh ghpzvyhcjo lhw gocftkocfw xvf phwhc poy

    fllh#

    Zfcfy pyfghvgkc h lh doyh jf jfwghynhy o hiyky hygdk}ow hjavczow#

    Bhczfcfywf kcmoybhjo woiyf gvfwzkocfw jf wfnvykjhj kcmoybzkgh, gocogfy low

    ykfwnow { lhw pykcgkphlfw hbfchqhw jf lhw xvf pyozfnfywf#

    Lh golhioyhgkc jf low vwvhykow h lh doyh jf f}kjfcgkhy vc kczfczo jf myhvjf fw pykboyjkhl

    phyh pojfy kczfygfpzhylow h zkfbpo { pojfy loghlkqhy lvnhyfw jfwjf jocjf wf pvilkghc

    pnkchw, wf fbkzfc bfcwhafw myhvjvlfczow o jocjf wf yfgkifc low jhzow ghpzvyhjow#

    Phyh mhgklkzhy fwzh golhioyhgkc, lh Omkgkch Wfnvykjhj jfl Kczfychvzh $OWK+ pocf h

    jkwpowkgkc jfl vwvhyko fl moybvlhyko jfhlzh jf kcgkjfczfw, jfwjf jocjf wf pvfjf kcjkghy

    http://www.osi.es/http://www.osi.es/https://www.osi.es/econfWizard/Te_Ayudamos/asistente_de_seguridad/asistente/?postAction=getEconfWizard&idEconfWizard=2002588https://www.osi.es/econfWizard/Te_Ayudamos/asistente_de_seguridad/asistente/?postAction=getEconfWizard&idEconfWizard=2002588https://www.osi.es/econfWizard/Te_Ayudamos/asistente_de_seguridad/asistente/?postAction=getEconfWizard&idEconfWizard=2002588https://www.osi.es/econfWizard/Te_Ayudamos/asistente_de_seguridad/asistente/?postAction=getEconfWizard&idEconfWizard=2002588http://www.osi.es/
  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    35/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch 76 jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    lhw fczkjhjfw hmfgzhjhw { zojh lh kcmoybhgkc jkwpockilf woiyf fl ghwo jf myhvjf, { fl

    zflmoco jf hwkwzfcgkh ;08 888 898#

    Poy lzkbo, fc ghwo jf dhify wkjo }gzkbh jf vc myhvjf, fw goc}fckfczf pocfykcbfjkhzhbfczf lh jfcvcgkh goyyfwpocjkfczf, phyh lo xvf fl vwvhyko pvfjf pocfywf fc

    goczhgzo goc1

    Fl Gvfypo Chgkochl jf Polkgh, h zyh}w jf lh Gobkwhyh Nfcfyhl jf lh Polkgh Avjkgkhl,

    jkwpocf jf lhIyknhjh jf Kc}fwzknhgkc Zfgcolnkgh$IKZ+ phyh gobihzky lh jflkcgvfcgkh

    xvf vzklkqh low bfjkow xvf pyopoygkochc lhw cvf}hw Zfgcolonhw jf lh Kcmoybhgkc { wf

    pvfjf goczhgzhy goc fllh h zyh}w jfl goyyfo flfgzyckgo Ivqc jf jflkzow zfgcolnkgow jf

    lh polkgh1 jflkzow#zfgcolonkgow@polkgkh#fw# Lh pyfwfczhgkc jf lh jfcvcgkh wf pvfjf

    yfhlkqhy h zyh}w jfl zflmoco1 ;09 809 889,pnkch ~fio fc gvhlxvkfygobkwhyh#

    LhNvhyjkh Gk}klgvfczh goc flNyvpo jf Jflkzow Zflfbzkgow$NJZ+ jf lh Vckjhj Gfczyhl

    Opfyhzk}h $VGO+, goc fl xvf wf pvfjf goczhgzhy h zyh}w jf lhwfggkc golhioyhjf wv

    pnkch ~fi o jfl goyyfo flfgzyckgo1jflkzowzflfbhzkgow@nvhyjkhgk}kl#oyn#

    http://www.policia.es/http://www.policia.es/http://www.policia.es/bit/index.htmhttp://www.policia.es/bit/index.htmhttp://www.policia.es/bit/index.htmmailto:[email protected]:[email protected]://www.policia.es/denuncias/https://www.policia.es/denuncias/https://www.policia.es/denuncias/http://www.mir.es/MIR/Directorio/Servicios_Perifericos/Cuerpo_Nacional_de_Policia/Comisarias/http://www.mir.es/MIR/Directorio/Servicios_Perifericos/Cuerpo_Nacional_de_Policia/Comisarias/http://www.mir.es/MIR/Directorio/Servicios_Perifericos/Cuerpo_Nacional_de_Policia/Comisarias/http://www.guardiacivil.es/index.jsphttp://www.guardiacivil.es/index.jsphttp://www.guardiacivil.es/index.jsphttps://www.gdt.guardiacivil.es/webgdt/https://www.gdt.guardiacivil.es/webgdt/https://www.gdt.guardiacivil.es/webgdt/https://www.gdt.guardiacivil.es/error.phphttps://www.gdt.guardiacivil.es/error.phphttps://www.gdt.guardiacivil.es/error.phpmailto:[email protected]:[email protected]:[email protected]:[email protected]://www.gdt.guardiacivil.es/error.phphttps://www.gdt.guardiacivil.es/webgdt/http://www.guardiacivil.es/index.jsphttp://www.mir.es/MIR/Directorio/Servicios_Perifericos/Cuerpo_Nacional_de_Policia/Comisarias/https://www.policia.es/denuncias/mailto:[email protected]://www.policia.es/bit/index.htmhttp://www.policia.es/
  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    36/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch 7= jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    CJKGF JF NYMKGOW

    Nymkgo 81 Kcgkjfcgkh jfglhyhjh jf wkzvhgkocfw jf kczfczo $co gocwvbhjo+ jf myhvjf hzyh}w jf Kczfycfz o zflfmckgo fc low lzkbow 7 bfwfw $&+ ############################################## 8:Nymkgo 91 F}olvgkc jf lh kcgkjfcgkh jfglhyhjh jf wkzvhgkocfw jf kczfczo $co

    gocwvbhjo+ jf myhvjf h zyh}w jf Kczfycfz fc low lzkbow 7 bfwfw $&+ ########################## 8=Nymkgo 71 F}olvgkc jf lh kcgkjfcgkh jfglhyhjh jf wkzvhgkocfw jf kczfczo $co

    gocwvbhjo+ jf myhvjf h zyh}w jfl zflmoco b}kl fc low lzkbow 7 bfwfw $&+ ################ 8>Nymkgo :1 Moybhw hjopzhjhw poy fl yfbkzfczf jf lh gobvckghgkc wowpfgdowh jf wfy

    myhvjvlfczh $&+ ############################################################################################################# 8;Nymkgo 61 F}olvgkc jf lhw moybhw hjopzhjhw poy fl yfbkzfczf jf lh gobvckghgkc

    wowpfgdowh jf wfy myhvjvlfczh fc 9080 $&+ ################################################################ 90Nymkgo =1 F}olvgkc jfl myhvjf goc kbphgzo fgocbkgo phyh fl vwvhyko $&+ ################### 99Nymkgo >1 F}olvgkc jf lh gvhczh fgocbkgh jfyk}hjh jfl myhvjf $&+ ############################ 97Nymkgo 41 Jkwzykivgkc jfl kbpoyzf jfmyhvjhjo fc fl :Z 9080 ########################################## 9:Nymkgo ;1 F}olvgkc jf fxvkpow xvf hloahc zyo{hcow ihcghykow { yonvf~hyf $&+ ############ 9=Nymkgo 801 Dikzow pyvjfczfw yflhgkochjow goc ihcgh fc lcfh { gobfygko flfgzyckgo

    fczyf low vwvhykow xvf dhc wkjo }gzkbh jf pfyavkgko fgocbkgo poy fl myhvjf wvmykjo {

    low xvf co $&+ ################################################################################################################## 94Nymkgo 881 Ck}fl jf gocmkhcqh fczyf low vwvhykow xvf dhc wkjo }gzkbh jf kczfczo jf

    myhvjf {/o dhify wvmykjo pfyavkgko fgocbkgo { low xvf co $&+ ######################################## 9;Nymkgo 891 Bojkmkghgkc jf dikzow jf gobfygko flfgzyckgo zyhw wvmyky kczfczo $co

    gocwvbhjo+ jf myhvjf $&+ ############################################################################################### 70Nymkgo 871 Bojkmkghgkc jf dikzow jf ihcgh flfgzyckgh zyhw wvmyky kczfczo $co

    gocwvbhjo+ jf myhvjf $&+ ############################################################################################### 78

  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    37/38

    Fwzvjko woiyf fl myhvjf h zyh}w jf Kczfycfz $kcmoybf hcvhl 9080+ Pnkch 7> jf 74Oiwfy}hzoyko jf lh Wfnvykjhj jf lh Kcmoybhgkc

    CJKGF JF ZHILHW

    Zhilh 81 Zhbhow bvfwzyhlfw phyh lhw fcgvfwzhw

    ########################################################### 80

    Zhilh 91 Cbfyo jf fxvkpow fwghcfhjow bfcwvhlbfczf ################################################ 80Zhilh 71 Fyyoyfw bvfwzyhlfw jf lhw fcgvfwzhw $&+ ########################################################### 87Zhilh :1 F}olvgkc jf lh kcgkjfcgkh jfglhyhjh jf wkzvhgkocfw jf kczfczo $co

    gocwvbhjo+ jf myhvjf fczyf 900; { 9080 $&+ ################################################################# 84Zhilh 61 F}olvgkc jf lhw moybhw hjopzhjhw poy fl yfbkzfczf jf lh gobvckghgkc

    wowpfgdowh jf wfy myhvjvlfczh fczyf 900; { 9080 $&+ #################################################### 98Zhilh =1 F}olvgkc jfl kbphgzo fgocbkgo jfl myhvjf fczyf 900; { 9080 $&+ ################## 97Zhilh >1 F}olvgkc jf fxvkpow xvf hloahc zyo{hcow ihcghykow { yonvf~hyf fczyf 900;

    { 9080 $&+ ####################################################################################################################### 9>Zhilh 41 F}olvgkc jf lh bojkmkghgkc jf dikzow zyhw wvmyky vc kczfczo $co

    gocwvbhjo+ jf myhvjf fczyf 900; { 9080 $&+ ################################################################# 78

  • 8/6/2019 Estudio sobre el fraude a travs de Internet (informe anual 2010)

    38/38

    KcwzkzvzoChgkochljfZfgcolonhwjflhGobvckghgkc

    dzzp1//~~~#kczfgo#fw

    dzzp1//oiwfy}hzoyko#kczfgo#fw

    Oiwfy}hKCZFGO fc Mhgfiooe Oiwfy}hKCZFGO fc Z~kzzfy

    Ilon jf Oiwfy}hKCZFGO Oiwfy}hKCZFGO fc [ovzvif

    Oiwfy}hKCZFGOfc Wgykij Oiwfy}hzKCZFGO fc WlkjfWdhyf

    Goczfckjow YWW oiwfy}hzoyko@kczfgo#fw

    http://www.inteco.es/http://observatorio.inteco.es/http://observatorio.inteco.es/mailto:[email protected]:[email protected]://www.inteco.es/contenidos_rss/http://www.scribd.com/ObservaINTECOhttp://www.inteco.es/blog/Seguridad/Observatorio/BlogSeguridad/mailto:[email protected]://observatorio.inteco.es/http://www.inteco.es/