Habitual offender fraud detection method and system in finance credit audit business

Abstract

The invention discloses a habitual offender fraud detection method and system in finance credit audit business, comprising the steps of S10 establishing a voiceprint database of black list users; S20establishing a voice lie detection model; S30 determining whether the user is a black-list user and / or the user is lying or not based on the voiceprint database of black list users or the voice lie detection model; S40 establishing verbal trick text corpus; S50 conducting real-time scoring on users based on the verbal trick text corpus. The habitual offender fraud detection system comprises a first construction module, a second construction module, a monitoring determination module, a third construction module, and a scoring module. The invention is advantageous in that user identity identification accuracy can be raised without affecting efficiency; financial fraud crimes can be prevented, and property resource loss can be reduced; service scenes in the financial field can be adapted to.

Description

technical field [0001] The invention relates to the financial field, and relates to a detection method and system for solving habitual offender fraud in financial credit examination business. Background technique [0002] Credit cards are now widely used, and it is not uncommon for the same person to own multiple credit cards from multiple banks. On the one hand, in order to expand the business volume of the bank, on the other hand, there are also cases where individuals open more accounts due to insufficient credit card credit limit or dishonesty. Among them, opening multiple accounts due to personal dishonesty is not allowed in various banking institutions. If it is found during the review, it will be refused to open an account. Therefore, each banking institution has its own blacklist of dishonest users. [0003] At present, with the development of science and technology and in order to improve work efficiency, many financial institutions have begun to use telephone and ...

AI Technical Summary

Problems solved by technology

The so-called black intermediary is to help some users (including a large number of untrustworthy users) to handle financial services, such as credit cards and credit loans. It is difficult for institutions to identify, which not only reduces the efficiency of staff, but also causes management loopholes for dishonest users and subsequent loss of assets, which has a serious impact on various services in the financial field

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