Group fraud recognition method and device of internet finance small/micro loans
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An identification method and identification device technology, applied in the computer field, can solve problems such as unsatisfactory results and insignificant fraudulent features
Inactive Publication Date: 2018-05-15
深圳华垠数科科技有限公司
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[0003] Existing technical means are to discover the repeated individual behavior patterns when financial frauds are discovered from historical cases, but the patterns of financial frauds evolve and develop over time, not only the individual behavior patterns that repeatedly appear in historical cases, but also the current More and more financial frauds are organized through gangs, and the fraudulent characteristics of individuals in gangs are sometimes not significant, which leads to unsatisfactory results in identifying users based on individual characteristics in some cases
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Embodiment 1
[0037] The invention provides a method for identifying gang fraud in Internet finance small and micro loans.
[0038] refer to figure 1 , figure 1 It is a schematic flow chart of the method for identifying gang fraud in Internet finance small and micro loans of the present invention.
[0039] The gang fraud identification method for Internet finance small and micro loans includes the following steps:
[0040] 1) Obtain the characteristic information of the loan applicant user, which includes but is not limited to the user's login device fingerprint, login ip, login password, email address used when applying, address book information, GPS positioning information, etc.;
[0041] 2) Define the relationship between users by comparing the similarity between user characteristic information, for example (including but not limited to): two users log in with high fingerprint similarity, same login ip, and log in with the same password , Log in with the same email address, high simil...
Embodiment 2
[0047] The invention provides a gang fraud identification device for Internet finance small and micro loans.
[0048] refer to figure 2 , figure 2 It is a structural block diagram of the gang fraud identification device for Internet finance small and micro loans of the present invention.
[0049] The gang fraud identification device for Internet finance small and micro loans includes:
[0050] The information acquisition module is used to obtain the characteristic information of the loan application user, the characteristic information includes but not limited to the user's login device fingerprint, login ip, login password, mailbox used when applying, address book information, GPS positioning information, etc.;
[0051] The relationship definition module is used to define the relationship between users by comparing the similarity between user feature information, for example (including but not limited to): two users log in with high fingerprint similarity, same login ip, ...
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Abstract
The invention discloses a group fraud recognition method and device of internet finance small / micro loans. The method includes the following steps: acquiring feature information of loan application users; defining relationships among the users through comparison of similarity among the feature information of the users; building a relationship network of the users on the basis of the defined relationships among the users, wherein one user represents one node, and users with a relationship are connected through a line; using an unsupervised learning algorithm to find all connected branches in the relationship network; distinguishing a group as an abnormal suspicious group if the number of users in the group exceeds a set threshold value; and detecting the abnormal suspicious group to furtheranalyze entity features of the abnormal suspicious group, and carrying out further investigation thereon if it is analyzed that fraud suspicion of the abnormal suspicious group is higher. The invention aims to build the relationship network of the users on the basis of features of the users of the internet finance small / micro loans, and effectively identify a group with the fraud suspicion according to the relationship network.
Description
technical field [0001] The present invention relates to the field of computer technology, in particular to a method and device for identifying gang fraud in Internet finance small and micro loans. Background technique [0002] At present, the traditional anti-fraud methods of Internet finance small and micro loans mainly include: 1. Risk control rules: by establishing a rule engine to describe the characteristics of fraudulent behavior, so as to distinguish fraudulent behavior from normal operations; 2. Anti-fraud machine Learning model: It uses data mining methods to build a classification model based on historical data (that is, known fraudulent applications and normal application data) using supervised learning algorithms. [0003] Existing technical means are to discover the repeated individual behavior patterns when financial frauds are discovered from historical cases, but the patterns of financial frauds evolve and develop over time, not only the individual behavior p...
Claims
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