부산대학교 도서관

The purpose of this study is to analyse Modus Operandi of smishing. For the study, 87 cases of smishing crime reports and smishing experiences of victims were analysed and 10 police officers who investigates smishing crime were interviewed. The results indicated that smishing crime can be divided into the preparation stage and the implementation stage. In the preparation stage, two modus operandi patterns, collection of personal information and text message script composition, were identified. In the implementation stage, seven modus operandi patterns were identified: sending smishing text messages and installation of malicious mobile applications, leak personal information, sending personal information to smishing crime organization through online server, payment attempt using collected personal information, intercept authorization code, completion of payment using intercepted authorization code, and payment amount was delivered to victims. Further implications were discussed.