Transaction risk prediction processing method, device and system

A technology of risk prediction and processing method, applied in the field of computer data processing, can solve the problem of low accuracy rate and recall rate, and achieve the effect of improving the accurate recall rate

Inactive Publication Date: 2019-01-18
BANK OF CHINA
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However, the above method of artificially designing rules and strate

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  • Transaction risk prediction processing method, device and system
  • Transaction risk prediction processing method, device and system
  • Transaction risk prediction processing method, device and system

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[0054] In order to enable those skilled in the art to better understand the technical solutions in this specification, the technical solutions in one or more embodiments of this specification will be clearly and completely described below in conjunction with the drawings in one or more embodiments of this specification Obviously, the described embodiments are only some of the embodiments in the description, not all of them. Based on one or more embodiments in the description, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts shall fall within the protection scope of the embodiments of the description.

[0055]With the rapid development of the Internet, online financial services such as online banking, mobile banking, and mobile payment have gradually become the main channels for banks to provide financial services. At the same time, security issues such as customer information leakage, phishing, and telecommunications and ne...

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Abstract

The embodiment of the specification discloses a processing method, a device and a system for predicting transaction risk. The method comprises the following steps: acquiring real-time transaction data, extracting features from the real-time transaction data, and obtaining a first feature set; the first feature set is classified by using a constructed classification model to obtain a classificationresult, the classification model comprising a model obtained by training based on the marked transaction data in the historical transaction data; detecting outlier of the first feature set by usingthe constructed description model, and obtaining the detection result, the description model comprising a model generated by clustering processing based on historical transaction data; determining a risk prediction result of the real-time transaction according to the classification result and the detection result. By utilizing the various embodiment of the present specification, it is possible toincrease the probability of predicting the risk of a transaction or a user, and at the same time to identify emerging means of committing a crime, thereby preventing from being bypassed by an unlawfulelement.

Description

technical field [0001] The present invention relates to the technical field of computer data processing, in particular, to a processing method, device and system for transaction risk prediction. Background technique [0002] With the rapid development of the Internet, online financial services such as online banking, mobile banking, and mobile payment have gradually become the main channels for banks to provide financial services. At the same time, security issues such as customer information leakage, phishing, and telecommunications and network fraud are also showing complex, changeable and rapidly spreading trends, which has brought severe challenges to the development of online financial services for banks. [0003] For Internet financial fraud, at present, based on the risk cases that have occurred, or based on business experience, rules and strategies are manually designed to identify risky users and transactions. For example: the text messages include keywords such as...

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Application Information

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IPC IPC(8): G06Q20/40G06K9/62
CPCG06Q20/4016G06F18/23G06F18/24G06F18/2433
Inventor 郑燕飞
Owner BANK OF CHINA
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