A Case For Online Escrow

The 2008 IC3 report on cyber crime is just out, andThe total reported dollar loss from all referred cases
the news is not good: cyber crime is up again. This, ofof fraud was $264.6 million with a median dollar loss of
course, is hardly surprising seeing as the cyber criminal$931.00 per complaint. This is up from $239.1 million in
is getting smarter, and more numerous, by the day;total reported losses in 2007. Other significant findings
while law enforcement continues to play catch-up.related to an analysis of referrals include:
What is a little surprising, however, is that InternetNon-Delivery
Auction Fraud-which was the most reported onlineNon-delivered merchandise and/or payment was, by
crime for the last two years-no longer heads the pack,far, the most reported offense, comprising 32.9% of
though at 25.5% of all reports, it runs a close second;referred complaints-this is a 32.1% increase from the
instead, the most reported online crime for 2008 is2007 levels of non-delivery of merchandise and/or
Non-Delivery of Merchandise and/or Payment, whichpayment reported to IC3.
comprises 32.9% of all reported instances of internetInternet Auction Fraud and Other Scams
fraud.Internet auction fraud accounted for 25.5% of referred
The IC3complaints. Credit/debit card fraud made up 9.0% of
The Internet Crime Complaint Center (IC3) beganreferred complaints. Confidence fraud, computer fraud,
operating on May 8, of 2000, as the Internet Fraudcheck fraud, and Nigerian letter fraud round out the top
Complaint Center-a partnership between the Nationalseven categories of complaints referred to law
White Collar Crime Center (NW3C) and the Federalenforcement during the year.
Bureau of Investigation (FBI)-to serve as a vehicle toAccess Method
receive, process, and refer cyber crime complaints.E-mail (74.0%) and WebPages (28.9%) were the two
IC3 was intended for and continues to serve theprimary channels over which the fraudulent contact
broader law enforcement community, including federal,took place.
state, and local agencies, and since its inception, IC3A Closer Look at Non-Delivery
has received complaints running the full gamut of cyberDoing the non-delivery math paints an unpleasant
crimes, including online fraud (in its many forms),picture:
intellectual property rights matters, computer intrusionsSince Non-Delivery constitutes 32.9% of the 275,284
(hacking), economic espionage (theft of trade secrets),reported cyber crimes in 2008, this means we saw
child pornography, international money laundering,90,568 reported non-delivery cases. Now, since
identity theft, and a growing list of additional cyberaccording to the National White Collar Crime Center's
crimes.August 2005 report, The National Public Survey on
The 2008 Internet Crime Report is its eighth edition.White Collar Crime, only one cyber crime in seven is
The Numbersactually reported to police or a regulatory agency, we
From January 1, 2008 - December 31, 2008, IC3will have to multiply this number by seven to get an
received 275,284 online complaints. This is a (33.1%)accurate count of perpetrated non-delivery crimes for
increase over 2007, which saw 206,884 online2008, which ends us up with 633,976.
complaints.This in turn means that 1,736 such crimes occur every
Of all complaints received, IC3 referred 72,940 of themday, or 72 ever hour, 24/7.
to federal, state, and local law enforcement agenciesOr, to put it in another light, here in the United States,
around the country for further consideration. The vastevery minute of ever day (24/7), a product is
majority of these cases was of a fraudulent naturefraudulently sold (and gullibly purchased and paid for)
and involved a financial loss on the part of theonline.
complainant.Not a laughing matter.