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Abnormal transaction detection method and device based on transaction rule identification

A technology of abnormal transactions and transactions, which is applied in the field of abnormal transaction detection based on the identification of transaction rules, can solve the problems of inability to effectively detect transaction anomalies, difficulty in subdividing transaction anomalies at the branch level, and inability to provide decision support, etc.

Active Publication Date: 2021-08-20
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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AI Technical Summary

Problems solved by technology

However, the analysis method based on the comparison of transaction data changes cannot effectively detect the above transaction abnormalities, and does not have the ability to identify complex abnormal situations
In addition, due to the lack of quantitative description capabilities for transaction abnormalities, relying on traditional statistical methods to compare transaction volumes, they can only rely on manual inspections and setting thresholds to identify abnormal transactions. Provide refined decision support information
[0006] For the above problems, no effective solutions have been proposed so far

Method used

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  • Abnormal transaction detection method and device based on transaction rule identification
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Embodiment Construction

[0048] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. 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.

[0049] The technical problem considered by the inventor is: how to objectively and scientifically describe the degree of difference (difference degree, deviation degree) between the current operation state of the transaction and the past by automatic means is the main problem to be solved in the current abnormal transaction detection work. At the same time, how to detect abnormal transactions with different appearances and how to realize the descr...

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Abstract

The present invention provides an abnormal transaction detection method and device based on transaction rule identification, wherein the method includes: acquiring transaction detail data of the transaction to be detected, generating a time series to be detected; Quantitative identification model of historical law, obtain the evaluation value of historical law quantitative elements and historical time series corresponding to the transaction to be detected; determine the average amount of information of the time series to be detected according to the time series to be detected and the evaluation value of quantitative elements of historical law; according to the time series to be detected The correlation coefficient value between the sequence and the historical time series, the transaction data variation coefficient value, the average amount of information, the proportion of business units that determine each abnormal situation under the transaction to be detected, and the overall abnormality score of the transaction to be detected. The above technical solution realizes the quantitative identification of various types of abnormal transactions, improves the accuracy and efficiency of abnormal transaction detection, and ensures the reliability and effectiveness of the system.

Description

technical field [0001] The invention relates to the field of abnormal transaction detection, in particular to an abnormal transaction detection method and device based on transaction rule recognition. Background technique [0002] Abnormal transactions refer to transactions with significantly different current operating conditions than in the past. Their occurrence is often related to factors such as risk event outbreaks, market fluctuations, changes in customer groups and business environments, and are the focus of attention in industries such as finance, retail, and logistics. . However, the current detection methods for abnormal transactions still mainly rely on the subjective experience of users (such as managers) and simple transaction data statistics. It is difficult to achieve unified standards, objective science, time-consuming and labor-intensive, and a low level of automation. In addition, there are many types of transactions and different abnormal performances. I...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06K9/62G06Q40/04
CPCG06Q40/04G06F18/22G06F18/211G06F18/214
Inventor 高博闫晔
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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