Financial field oriented transaction fraud detection system and method

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...

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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 can effectively solve the existing transaction fraud detection systems that have detection difficulties and cannot guarantee low False alarm rate while blocking the maximum amount of fraudulent issues in real time

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