Fraudulent trading detection method and server

A server and transaction technology, applied in the field of data processing, can solve the problems of poor detection effect, omission of bank card fraud transaction detection and detection, etc.

Inactive Publication Date: 2017-02-22
CHINA UNIONPAY
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, for the current bank card fraud transactions, especially counterfeit card fraud transactions, since merchants usually participate in bank card fraud crimes, if only the transaction site inf

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  • Fraudulent trading detection method and server
  • Fraudulent trading detection method and server
  • Fraudulent trading detection method and server

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Embodiment Construction

[0035] In order to make the purpose, technical solutions and advantages of the present invention clearer, the present invention will be further described in detail below in conjunction with the accompanying drawings. Obviously, the described embodiments are only some of the embodiments of the present invention, not all of them. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0036] The embodiments of the present invention will be further described in detail below in conjunction with the accompanying drawings. figure 1 It is a schematic flow chart corresponding to a fraudulent transaction detection method provided by an embodiment of the present invention, as shown in figure 1 As shown, the method includes the following steps 101 to 104:

[0037] Step 101: the server receives the transaction request message sent by...

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Abstract

The embodiment of the invention discloses a fraudulent trading detection method and a server. The method and the server comprise the steps that the server receives a message of a transaction request delivered through the terminal, and then according to the transaction data of a current request transaction and each input variable of a scoring model of the fraudulent trading, the corresponding value of each input variable of scoring model of the fraudulent trading can be confirmed and further the score value of the current transaction can be received. If the score value of the current transaction is bigger than the threshold value of the score value, the current request transaction can be confirmed as a fraudulent trading. The server can construct a scoring model of the fraudulent trading according to the transaction data of multiple historical transactions, the card files and the merchants files. Therefore, when the server gives scores to the current request transaction, the server can confirm the score value of current request transaction according to the data in the merchants files and card files, and judge if the current request transaction is a fraudulent trading. According to the fraudulent trading detection method and the server, the problems of detection leaking in the bank card fraudulent trading can be efficiently avoided and the detection effect of the fraudulent trading can be improved.

Description

technical field [0001] The invention relates to the technical field of data processing, in particular to a fraudulent transaction detection method and server. Background technique [0002] Data mining is a new information processing technology, which is first applied in finance and other fields. Its main feature is to extract, convert, analyze and model a large amount of data, and extract key data that is helpful for decision-making. With the rapid development of bank informatization, a large amount of bank card transaction data has been generated. Therefore, extracting valuable information from massive transaction data to provide services for maintaining financial security is an important application field of data mining. [0003] With the gradual popularization of bank cards, the problem of bank card fraud transactions has become increasingly prominent. Using data mining to detect bank card fraud transactions has become an important means to prevent financial risks and ma...

Claims

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Application Information

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IPC IPC(8): G06Q20/34G06Q20/40G06Q40/04
CPCG06Q20/4016G06Q20/34G06Q40/04
Inventor 郭琦闵勇黄磊侯玲
Owner CHINA UNIONPAY
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