Fraud Track on Secure Electronic Check System

The Electronic Check (eCheck) is designed to substitute paper checks to enhance the bank service with new ecommerce features in today's global economy, especially meeting the great upsurge of Internet and mobile banking services. The eCheck inherits all features of paper checks in an electronic format with some inherent advantages, as well as some new problems, which will be discussed in this article. Although the concept of eCheck has been put forward for more than two decades, the security of the eCheck system is still the key concern of the whole scheme, as well as the forensic trace of eCheck fraud. In this article, one implementation of a secure eCheck system is introduced which can defend most kinds of eCheck fraud and this article novelly analyzes how to trace back the fraud from a forensic perspective.