旅行社如何避免成为欺诈的受害者
经过克里·蒂斯(Kerry Tice)/
Fraudsters target travel agents every day, and a seminar recently held at Travel MarketPlace East in Toronto led by the Airlines Reporting Corp.’s (ARC) Manager of Risk Management Doug Nass, shined a light on the tools and safeguards available to protect and prevent some of the most common attempts at fraud.
“It’s not realistic to stop fraud,” said Nass. “But what we can do is try to spot it early and make those losses as minimal as possible.”
根据NASS的说法,许多次可以通过检查基本数据来避免欺诈的情况。知道您的客户是不成为受害者的关键,但在不确定性的情况下,这里是打击欺诈的方法的清单:
-避免外国信用卡。使用垃圾箱检查器验证哪个银行在www.binlist.net。
-Home address.Ask for the client’s home address and then look it up on Google Maps to see if it corresponds to what you have been told. Even if the address exists, take it a step further and ask them what color their front door is?www.google.ca/mapsandwww.google.us/maps
-电话。要求客户为您提供用于联系目的的电话号码。然后进行反向查找以验证地址是否使用www.whitepages.comandwww.canada411.ca。
-社交媒体。Check out the client’s social media to see if their profile looks “normal” on sites like Facebook.com, Canada People Finder and LinkedIn.
-人搜索引擎。www.pipl.com是您可以使用的网站之一,以找到看起来像是冒险的人。
-Verification.验证帐户上的持卡人名称,地址,电话号码和/或电子邮件地址。签证(800)847-2911,根据商人选项为“所有其他查询”选择2。万事达卡(800)247-4623,您需要输入信用卡号;AMEX(800)528-2121,您需要输入信用卡号。
预防是您最好的防御
除此清单外,纳斯说,还有其他迹象表明旅行社需要注意以避免欺诈实例。对于一个人来说,与您预订的新客户少于6到12个月可能代表风险,因此,审查每个预订的情况很重要,尤其是当心使用的信用卡的更改。
Last minute travel should also raise an eyebrow, as anyone traveling within 72 hours poses a much higher fraud probability, as does anyone traveling to high-risk international destinations (i.e. Africa) or from overseas locations. Nass said it is best to only process these types of reservations from proven customers.
Suspicious names should raise a flag, so be especially careful if the traveler’s names are very different from that of the cardholder. Also, does the passport name match the traveler exactly? Be sure to look for evidence of tampering and check credit card copies and signatures as well. Nass told travel agents in attendance that some fraudsters will omit the signature, so if an image is received via email, be sure to enlarge the image to double-check.
说到电子邮件,请注意免费的电子邮件服务和注意公司的电子邮件,因为有时欺诈者试图将其作为高管的现有公司帐户锁定,并通过调用通用线来抛弃他们获得的低级员工的名称。NASS建议使用www.whois.comto check the domain name of any email.
ACTA & ARC advocate for agents
The Association of Canadian Travel Agencies (ACTA) recently completed a fraud survey of its members, of which 500 people responded. While just 8 percent of the respondents said they had actually experienced fraud, 97 percent said they knew someone who had.
ACTA在为预防欺诈方面的努力中说,他们正在尝试制定步骤或手册,以帮助旅行者打击欺诈。调查最有趣的发现之一是,大多数机构没有自动化的工具来跟踪欺诈。但是,有63%的人表示,他们在其代理机构中进行了某种类型的培训,以防止欺诈,其中80%的人说他们有员工必须遵守的实际规则。
ACTA计划在今年秋天进行后续调查,以查看迄今为止其努力是否正在改善该协会针对欺诈行为的结果。ACTA成员总监Doreen Lynch说:“我们试图做的是改善与您的总部,财团和ACTA成员资格的欺诈沟通。”“最终,如果我们能够改善交易过程,以便我们不必进行手动过程,我们就可以应对欺诈。”
ARC已指定9月的“欺诈月”,NASS表示,该组织将积极促进网络研讨会,该网络研讨会每周将举办3-5次欺诈,涵盖所有交易所有类型业务的机构。“我们确实试图强调这是一个重要的话题,有些人可以提供帮助。”