Multidimensional method for evaluating mobile banking user credibility

Abstract

The invention discloses a multi-dimensional method for evaluating the trust degree of mobile phone banking customers, which comprises the following steps: establishing a direct trust degree model of mobile bank customers, establishing an indirect trust degree model of mobile bank customers, and according to the direct trust degree between mobile phone users and mobile banking Establish the trust degree model of mobile banking financial business, establish the trust deviation degree model of mobile banking, and establish the trust penalty value model of mobile banking customers; according to the recent trust value and long-term trust value between mobile phone users and mobile banking, obtain trust Degree evaluation results; this method establishes a multi-dimensional trust mobile banking financial risk evaluation index system, which includes the relationship between mobile banking payment frequency and trust, mobile banking trust deviation degree, customer trust penalty value and other factors into the trust level evaluation ; Compared with the prior art, the evaluation is more comprehensive, and the obtained evaluation results are more accurate.

Description

technical field [0001] The invention belongs to the technical field of information security, and more specifically relates to a multi-dimensional method for evaluating the trust degree of mobile banking customers. Background technique [0002] Mobile banking, also known as mobile banking (Mobile Bank), is a financial service method that provides banking services to customers with the help of mobile communication and Internet platforms, using mobile phones as terminals. With the development of 4G communication technology, banks have opened mobile banking services one after another. While mobile banking provides great convenience to users, it also has potential business risks. Factors affecting the security of mobile banking include operational risk, trust risk, information asymmetry risk, liquidity risk and so on. [0003] In the existing technology, the trust level evaluation method of mobile banking is often used to establish a trust model to determine the credit degree o...

AI Technical Summary

Problems solved by technology

[0003] In the existing technology, the trust level evaluation method of mobile banking is often used to establish a trust model to determine the credit degree of mobile banking users; through the consumption habits, user activity and stickiness of mobile banking consumers, the distributed trust management model based on reputation quantifies Assess the credibility of nodes; the relationship between mobile banking payment frequency and trust, mobile banking trust deviation degree, customer trust penalty value and other factors have not been considered in the evaluation of trust level

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