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The web is
anonymous.
网络是匿名的。
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People, places and
entities on the web may or may not be who they seem to
be.
需要注意的是，网络上的地址及实体可能并不真实。
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Anything digital and
binary can be perfectly
duplicated.
任何数字性或二进制的东西都能够被完全的复制。
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All information on the
web is digital and binary.
而网络上的一切信息均是数字及二进制的。
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The web is unregulated
and cannot be effectively regulated.
网络是无管制并且不能被有效管制的。
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The web has no
boundaries.
网络没有界限可言。
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Any opportunity on the
web that can be exploited for
fraud will be
exploited.
任何可能为网上诈骗利用的机会都将被利用。
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Some opportunities for
fraud are more attractive for exploitation than
others.
其中有些诈骗方式有更大的吸引力。
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Water runs downhill.
Fraud will exploit the areas of greatest return at the lowest risk to the
perpetrator.
无孔不入的网络诈骗者将会在那些能够以最低风险获取最大回报的领域采取行动。
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Risk to the
perpetrator is extremely low for fraud on the
web.
在网络上，他们所需要承担的风险是很低的。
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There are three points
in web communication that need protection (or verification): origination,
transit(the message), and
destination.
信息网络上主要有三大方面需要保护（或者说认证）：起点，传输过程及终点。
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All three present
opportunities for fraud.
正是这三方面为网络诈骗提供了契机。
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In order for any
transaction to be safe all three
points must be
safe.
要使任何交易安全进行，必须首先保证以上三方面的安全。
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Of these, the most
likely opportunities for fraud are at origination and
destination.
当然，诈骗行为最可能发生在起点和终点。
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Most present security
measures (encryption, SET, PGE,PINs, etc.) focus on the least likely
opportunity for fraud the message
transit.
最新的安全措施（加密技术，基于信用卡的网上支付协议，PGE，PINs等）却都集中指向最不可能发生诈骗的环节，即信息传输。
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The risk is not always
somewhere else. The risk to the merchant is not always the customer or hacker,
it might be an
employee.
但风险不总存在于别处。商人的风险不总是存在于顾客或黑客一方，可能来自内部雇员。
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Any PC/server is both
a transmitter and receiver.
任何一个PC机的使用者都既是传输者，也是接受者。
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The risk of fraud
increases at least linearly with the volume of commercial traffic on the web
and probably
exponentially.
遭到诈骗的风险与网上商业往来数量之间存在一种线性，甚至呈指数性的关系。
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The return on
investment for fraud is always better
than for legitimate business and the
risk is less.
对诈骗的投资回报率总是比合法经营来得要高，而且风险也更小。
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Perpetrators of fraud
are always smarter than we give
them credit
for.
诈骗者往往比我们想象的要狡猾得多。
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The perpetrator plans
that every fraud will be
detected and does not
care.
诈骗者将其行为被发现的可能性列入计划中，而又对此毫不在意。
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If you detect the
fraud, you are already too late.
如果你发现了诈骗行为，一切都为时已晚。
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Only prevention can
avoid the loss.
只有预防才能避免损失。