Method for detecting high-risk bankcard and data processing device

Abstract

The invention discloses a method for detecting a high risk of a bankcard. The method comprises steps of: clustering the historical data of each bankcard transaction by using a k-means clustering algorithm in order to obtain a risk model, wherein the historical data, used as training data of the risk model, is classified into a high-end card type and non-high-end card type, and each type of information data is represented by n dimensions; processing the transaction data of a bankcard to be detected into data with a dimensionality the same as that of the training data of the risk model; determining, according to the risk model, whether the processed data complies with a rule and characteristic changing from the non-high-end card type to the high-end card type; and if not, determining that the bankcard is provided with the high risk. The invention also discloses a data processing device.

Description

technical field [0001] The invention relates to data mining technology, and more specifically, to a high-risk bank card detection method and a data processing device. Background technique [0002] At present, major commercial banks have launched various types of bank cards. While obtaining intermediary business income and binding high-end customers through the launch of various products, banks have gradually realized that bank cards are a capital-intensive, technology-intensive, and labor-intensive industry, and the risks of their business cannot be ignored. [0003] General bank card business risks include credit risk and fraud risk. Credit risk is formed due to reasons such as exemption from guarantee, revolving credit line, and loose approval of the applicant's line. The fraud risk, which accounts for more than 90% of the risk loss of the entire bank card business, generally refers to counterfeit transactions, counterfeit card fraud, lost / stolen, mail order / e-shopping f...

AI Technical Summary

Problems solved by technology

However, at present, the high-risk bank cards and high-risk merchants that the bank card transaction risk control focuses on are usually based on the blacklist system, and the bank cards and merchants that have experienced high-risk behaviors are the key observation objects, but this will obviously miss a lot. High-risk bank cards and merchants to be focused on

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