Method and system for detecting fraudulent trading
A transaction and transaction record technology, applied in the field of transaction security, can solve the problems of artificial inability to effectively summarize fraud rules, waste business personnel's time, and low efficiency, and achieve the effect of improving efficiency and the accuracy of rules
Active Publication Date: 2015-06-03
CHINA UNIONPAY
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[0004] However, in the prior art, business rules usually need to be obtained by regular summarization of each fraudulent transaction by experienced business personnel. A fraud rule often takes a lot of time for business personnel, and manual work alone cannot effectively Summarize all the laws of fraud
Therefore, completely relying on business personnel to find fraud rules has great limitations and is very inefficient
[0005] Irreparable losses can be effectively avoided by identifying and stopping fraudulent behavior at the early stage of the transaction, but there is currently no efficient and reliable fraud detection method and system
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[0025] The present invention will be further described in detail below in conjunction with the accompanying drawings and specific embodiments. It should be noted that the various structures in the drawings are only schematic illustrations, to enable those skilled in the art to best understand the principle of the present invention, and they are not necessarily drawn to scale.
[0026] figure 1 A flow chart of a method for detecting fraudulent transactions according to an embodiment of the present invention is schematically shown. According to the method for detecting fraudulent transactions provided by the embodiments of the present invention, a decision tree model is generated by training and modeling historical fraudulent transaction data, wherein each path of the decision tree model corresponds to a series of businesses including fraud rules rule. In this way, fraud rules can be extracted from massive data, greatly improving the efficiency of rule extraction, and overcomi...
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The invention provides a method for detecting fraudulent trading. The method comprises the steps: obtaining a history fraudulent trading record and a history normal trading record; based on both the history fraudulent trading record and the history normal trading record, extracting characterization factors; generating a training sample set from the history fraudulent trading record and the history normal trading record; using the training sample set to establish a decision tree, wherein lead nodes are established by using two classes of the normal trading and the fraudulent trading as a target factor and other nodes of the decision tree are established according to the characterization factors; from all routes of the decision tree from the root node to the leaf nodes for indicating the fraudulent trading, extracting fraudulent rules; and according to the fraudulent rules, performing the fraudulent detection to trading data. On the other hand, the invention further provides a system for executing the method.
Description
technical field [0001] The present invention generally relates to the technical field of transaction security, and in particular to a method and system for detecting fraudulent transactions Background technique [0002] In people's daily life, various commercial transactions occur every day, including transactions between users and sellers of goods / services and so on. These transactions take place in a variety of ways, but generally involve an exchange of value via cash / currency, bank card, money order / cheque. All of these transactions carry the risk that someone may profit fraudulently from them. [0003] Taking the traditional bank card transaction risk management system as an example, methods such as rule engines are usually used to detect fraud in bank card transactions. In the rule engine method, a rule base needs to be constructed to store business rules for judging whether a transaction is fraudulent. When a transaction is submitted to the rule engine, the rule eng...
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Inventor 赵金涛邱雪涛杨鸿超王骏
Owner CHINA UNIONPAY