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Anti-fraud prediction method and device

A forecasting method and forecasting device technology, applied in the field of data processing, can solve the problems of customer credit evaluation, single judgment method, and insufficient customer credit evaluation.

Inactive Publication Date: 2018-12-18
CHINA EVERBRIGHT BANK CO LTD CREDIT CARD CENT
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  • Abstract
  • Description
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Problems solved by technology

This kind of judgment method is often relatively simple, and there are certain deviations caused by human subjective judgments. The credit evaluation of customers is not comprehensive enough, and it is impossible to effectively evaluate the credit of customers.

Method used

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  • Anti-fraud prediction method and device
  • Anti-fraud prediction method and device

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Embodiment Construction

[0030] The technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of them. The components of the embodiments of the invention generally described and illustrated in the figures herein may be arranged and designed in a variety of different configurations. Accordingly, the following detailed description of the embodiments of the invention provided in the accompanying drawings is not intended to limit the scope of the invention as claimed, but merely represents selected embodiments of the invention. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative efforts fall within the protection scope of the present invention.

[0031] It should be noted that like numera...

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Abstract

The embodiment of the invention provides an anti-fraud prediction method and a device, belonging to the technical field of data processing. The method comprises obtaining the personal information dataof a client; inputting the personal information data of the customer into a pre-established anti-fraud factor library model, and outputting a score for representing the fraud risk of the customer; the anti-fraud prediction being performed on the customer according to the evaluation score, and a prediction result is obtained. In this scheme, through the pre-established anti-fraud factor library model, a score for representing the fraud risk of the customer is outputted, and the anti-fraud prediction of the customer is carried out according to the score, so that the anti-fraud prediction of thecustomer is more accurate, the credit evaluation of the customer can be more comprehensive, and the credit of the customer can be effectively evaluated.

Description

technical field [0001] The present invention relates to the technical field of data processing, in particular, to an anti-fraud prediction method and device. Background technique [0002] Due to the convenience of using credit card consumption and the improvement of the consumption environment, more and more places support credit card payment, and credit card has been popularized to a certain extent, followed by frequent incidents of credit card fraud. In credit card fraud incidents, it is usually due to a flaw in the bank's approval of the customer's application for a credit card. [0003] The bank will assess the fraud risk of the customer applying for a credit card. In the existing technology, the customer's personal information is collected and obtained through traditional artificial methods, and then the customer's fraud risk is judged through manual review. This kind of judgment method is often relatively simple, and there are certain deviations caused by human subjec...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/04G06Q20/40
CPCG06Q10/04G06Q20/409
Inventor 刘瑜晓
Owner CHINA EVERBRIGHT BANK CO LTD CREDIT CARD CENT
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