一、引言无论在中国还是在其他国家和地区,信用卡的使用如今已经非常普遍,其便捷性有目共睹,只要持有小小的卡片,在商户的POS机上轻轻一刷,仅需输入密码,甚至有时只要签个字就能轻松实现消费。这种金融产品,也可说是金融服务,是人类智慧的体现。不过,事物总有两面性,智慧也是有限的,E是信用卡消费的便捷性,给予犯罪分子可乘之机:以签字代替密码的情况越来越普遍,而签字不难模仿, I. Introduction Both in China and other countries and regions, the use of credit cards is now very common. Its convenience is obvious to all. As long as it holds a small card, it gently touches the merchant’s POS machine and only needs to input the password or even Sometimes just sign a word can easily be consumed. This kind of financial product, also can be said that financial services, is the embodiment of human wisdom. However, there are always two sides of things, wisdom is limited, E is the convenience of credit card spending, to give criminals an opportunity: to sign the password instead of more and more common, and the signature is not difficult to imitate,