Financial field oriented transaction fraud detection system and method

A detection system and transaction technology, which is applied in business, instruments, digital data authentication, etc., can solve the problems of difficult detection and the inability to guarantee a low false alarm rate, and achieve the effect of avoiding high false alarm rate

Inactive Publication Date: 2015-10-28
XIAMEN KUAISHANGTONG TECH CORP LTD
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  • Abstract
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Problems solved by technology

[0003] In view of this, the present invention aims at the deficiencies of the existing technology, and its main purpose is to provide a transaction fraud detection system and method for the financial field, which

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  • Financial field oriented transaction fraud detection system and method
  • Financial field oriented transaction fraud detection system and method
  • Financial field oriented transaction fraud detection system and method

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Embodiment Construction

[0022] Please refer to Figure 1 to Figure 3 As shown, it shows the specific structure of the preferred embodiment of the present invention, including real-time transaction behavior data acquisition module, behavior data preprocessing module, transaction anti-fraud detection module, user transaction behavior model, early warning module, fraud processing module, account freeze / unfreeze module, and phone voiceprint recognition module.

[0023] The real-time transaction behavior data acquisition module acquires transaction behavior data triggered by traders from the front end of the financial transaction system, and the real-time transaction behavior data acquisition module is connected to the behavior data preprocessing module, which is connected to the transaction anti-fraud detection module and the user Transaction behavior model, the user transaction behavior model is connected to the transaction anti-fraud detection module, the transaction anti-fraud detection module is conn...

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Abstract

The invention discloses a financial field oriented transaction fraud detection system and method. The transaction fraud detection system comprises a real-time trading behavior data acquisition module, a behavioral data preprocessing module, a transaction antifraud detection module, a user trading behavior model, a warning module, a fraud processing module, an account freezing/thawing module and a phone voiceprint recognition module. According to the system, real-time remote identity recognition is initiated to a user by using the phone voiceprint recognition module, and an identity recognition result is submitted to the fraud processing module for further processing. The method of invention combines advanced identity recognition technology that has a function of remote identity recognition, thereby effectively avoiding defects of a high false alarm rate and poor trading experience that are caused by trading behavior model being not robust. The user trading behavior model is established by using multidimensional user behavior data and integrating trading behavior data of a third platform, so as to add missing trading behavior data of the user, and establish a better model.

Description

technical field [0001] The invention relates to technologies in the financial field, in particular to a transaction fraud detection system and method for the financial field. Background technique [0002] The technological means of the Internet has brought about a financial revolution, but it has also brought about chaos and risks in the early days of the industry's prosperity. The professional risk management model usually includes big data-based risk policies, anti-fraud systems, and elite risk control teams. While most banks have fraud detection systems in place, these systems are often just a reactive after-the-fact analysis of problematic transactions, too late to recover losses. Real-time transaction scoring is the best choice for protection against financial crimes such as bank card fraud at the point of sale or automated clearing house (ACH) / telecom fraud prior to fund issuance. However, changing criminal strategies and the anonymity of e-commerce make real-time fr...

Claims

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Application Information

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IPC IPC(8): G06Q30/00G06F21/32
Inventor 李稀敏肖龙源王龙标卓鹏鹏
Owner XIAMEN KUAISHANGTONG TECH CORP LTD
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