Factores ilegales en transacciones con tarjetas de pago

Explicación Simple

Esta ley dice que es ilegal hacer cosas malas con las tarjetas de pago, como usar información de una tarjeta sin permiso. Si alguien roba datos de una tarjeta para hacer compras, eso es un delito.

Es como si alguien tomara tu bicicleta sin permiso y la usara para hacer entregas. Eso no solo es deshonesto, sino que también es un robo.

Ejemplo Práctico

Imagina que Juan trabaja en una tienda y decide usar la información de la tarjeta de crédito de un cliente sin su consentimiento para hacer compras en línea. Al hacer esto, Juan está cometiendo un delito según la ley de Oregón.

Texto Original del Estatuto (Inglés)

ORS 165.074 Unlawful factoring of payment card transaction ORS 165.074 Unlawful factoring of payment card transaction Text Annotations (1) A person commits the crime of unlawful factoring of a payment card transaction if the person intentionally or knowingly: (a) Presents to or deposits with, or causes another to present to or deposit with, a financial institution for payment a payment card transaction record that is not the result of a payment card transaction between the cardholder and the person; (b) Employs, solicits or otherwise causes a merchant to present to or deposit with a financial institution for payment a payment card transaction record that is not the result of a payment card transaction between the cardholder and the merchant; (c) Employs, solicits or otherwise causes another to become a merchant for purposes of engaging in conduct made unlawful by this section; (d) Uses a scanning device to access, read, scan, obtain, memorize or store information encoded on a payment card: (A) Without the permission of the cardholder; or (B) With the intent to defraud another person; or (e) Uses a reencoder to place encoded information from one payment card onto another payment card: (A) Without the permission of the cardholder of the payment card from which encoded information is being taken; or (B) With the intention to defraud another person. (2) Unlawful factoring of a payment card tr