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Web based bank card risk monitoring method and system

A risk monitoring and bank card technology, applied in the monitoring of bank card credit risk and fraud risk, in the field of Web-based bank card risk monitoring, can solve the problem of low timeliness of early warning of credit risk and fraud risk, low detection and identification rate, and operational problems. Risk quantification statistics and monitoring need to be improved, and the management mechanism is weak to achieve objective and effective operations, improve efficiency, and reduce losses

Inactive Publication Date: 2008-08-06
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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Problems solved by technology

[0005] Although there are technical solutions for financial companies to conduct risk analysis on customers in the existing technology, most banks have relatively weak management mechanisms for bank card risks, and the timeliness of early warning and detection and identification rate of credit risk and fraud risk are not high. , The methods are outdated, and the quantitative statistics and monitoring of operational risks need to be improved

Method used

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  • Web based bank card risk monitoring method and system
  • Web based bank card risk monitoring method and system
  • Web based bank card risk monitoring method and system

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Embodiment Construction

[0028] The specific implementation manner of the present invention will be described below in conjunction with the accompanying drawings. The present invention collects bank card transaction data in real time, utilizes the risk laws summarized in the analysis and research of card use risk behaviors, analyzes the transaction data and measures risks, accurately identifies risk events and corresponding bank cards, and extracts risk The related information of the card helps the bank card risk prevention personnel to deal with the incident and take timely countermeasures to prevent the loss of funds.

[0029] As shown in Figure 1, the bank card online business system server 101 is a daily business processing system of the bank, which is responsible for the background online processing of bank card opening, consumption, cash withdrawal and other businesses. The basic data generated by it, such as the basic account Information, account balance, account card consumption, account cash ...

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Abstract

The invention provides a bank card risk monitoring method and a bank card risk monitoring system based on Web. The method comprises that: transaction data of a bank card is collected in real-time; property data of the bank card is periodically collected; a bank card risk monitoring model is established; the transaction data of the bank card and the related property data of the bank card are monitored according to the bank card risk monitoring model, bank card risk monitoring result data is generated; a Web bank card risk monitoring service request is received; according to the Web bank card risk monitoring service request, the corresponding bank card risk monitoring result data is displayed in the form of Web to control the risk of the bank card service and improve the benefit level by evaluating and monitoring the bank card risk data.

Description

technical field [0001] The invention is about computer network and Web technology, especially about the monitoring of bank card credit risk and fraud risk using computer network and Web technology, specifically a method and system for monitoring bank card risk based on Web. Background technique [0002] Bank card is a high-risk and high-profit financial product. Because the bank card product represents a high-quality customer base and the high-return feature of overdraft interest with a maximum annual interest rate of 18%, the bank card business has become a commercial One of the most profitable businesses of the bank. [0003] However, with the further development of bank card business, bank card risks occur more and more frequently. Moreover, with the increase of card issuing banks, special merchants and cardholders, bank card risks are characterized by a wide range of risks, various types of risks, and great harm. The annual losses to banks due to the risk of counterfei...

Claims

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Application Information

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IPC IPC(8): G06Q40/00G06F17/30G06Q40/02
Inventor 黄克捷李铮杰周平平徐伶俐
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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