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/Tes8/6/2019 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.aspx8/6/2019 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.aspx8/6/2019 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/