Intelligent centralized monitor method and system for bank personal business fraudulent conducts

Abstract

This invention discloses an intelligent centralized monitor method and a system for bank personal business fraudulent conducts. The method comprises steps of establishing an enterprise data integrated framework based on a lightweight class enterprise, acquiring personnel client transaction data from application systems of various business and transaction channels, for each transaction and a specific transaction record collection, matching the predetermined risk judgment elements in transaction data with regulations of fraud identification regulation database and determining whether the corresponding fraudulent event is triggered according to the matching result; and starting a processing flow corresponding to the fraudulent conduct according to a preset processing requirement and received fraudulent events. This invention also provides an intelligent centralized monitor system for the bank personal business fraudulent conducts, comprising a fraud monitor platform and a business executive system. This invention highly realizes the centralized monitor, analysis and processing for the personal business fraudulent conducts in manners of a whole bank level, cross-products and cross-channels, and is accurate in analysis and high in efficiency.

Description

Technical field [0001] The invention relates to a monitoring method and a monitoring system for bank personal business fraud, in particular to an accurate and efficient method and system for real-time intelligent centralized monitoring of bank personal business fraud. Background technique [0002] With the rapid development of personal business of domestic banks today, banks are providing more and more products for individual users. The channels for business execution are not limited to traditional counters. Various emerging channels such as self-service equipment (such as ATM) and electronic channels (such as online Banks) and other modes (such as mobile payments) are booming. While these measures have improved the bank’s business capabilities and brought more convenience to users, they also face greater security risks and hidden dangers. Especially in the process of business execution, a large number of new types of frauds using a combination of multiple banking products and m...

AI Technical Summary

Problems solved by technology

Although these applications or systems have a certain effect on their specific monitoring objects (such as a certain bank product or channel), they do not have a complete view of customer transaction behavior because they do not stand at the overall height of the bank. of new types of fraud are difficult to identify

At the same time, because there is no linkage mechanism with the business system under the process management mode, the response to the discovered fraud is not fast enough, and the processing methods are relatively simple and fixed

[0004] The disadvantage of the current bank personal business fraud monitoring solution is that it can only monitor the risks in the transaction process of specific bank products (such as credit cards, savings, etc.) or specific transaction channels (such as bank counters, online banking). Combining fraud across products and channels is impotent

[0006] (1) Traditional methods / systems are established for the real-time monitoring needs of specific product types or specific transaction channels. It is technically difficult to achieve cross-system data collection, and can only collect the corresponding monitoring business transaction channels or individual user transactions in the business system data

This makes it impossible to combine customers' transaction behaviors in different products and channels, and the obtained customer transaction data is incomplete and can only reflect part of their transaction behavior patterns;

[0007] (2) The data analysis method relies on the hard code implementation in the program. Due to the complexity and efficiency of the implementation, it can only realize threshold-based judgments on a small number of elements (such as transaction amount or transaction frequency), and cannot analyze complex data. Conditional combinations, and cannot handle cascading conditional combinations

The limitations of incomplete data and overly simple analysis methods make it difficult for existing methods / systems to identify new types of personal business fraud involving "multi-product categories and multi-transaction channel combinations";

[0008] (3) For the identified fraudulent behavior, there is no process execution mechanism that integrates various processing needs, and a unified process cannot be realized by the fraud identification system and the corresponding business system, which may miss the best time to deal with the problem

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