Method, device and system for screening credit card accounts with cheating transaction

Abstract

The embodiment of the invention discloses a method, a device and a system for screening credit card accounts with cheating transactions, and the method comprises the steps: obtaining a credit card account set which comprises the business feature data of a plurality of credit card accounts; performing clustering processing on the service feature data of the plurality of credit card accounts to obtain a plurality of clustering categories; determining a suspicion degree scoring interval of each clustering category according to the service characteristics of each clustering category and the card number proportion; determining a suspicion score of the credit card account according to the distance between the service feature data of the credit card account and the clustering center of the clustering category where the credit card account is located and the suspicion score interval of the clustering category where the credit card account is located; and screening credit card accounts with cheating transactions in the credit card account set according to the suspicion score. By utilizing each embodiment of the specification, the credit card accounts with cheating transaction behaviors suchas cash register and the like can be screened more accurately and efficiently.

Description

technical field [0001] This specification relates to the technical field of computer data processing, in particular, to a method, device and system for screening credit card accounts with fraudulent transactions. Background technique [0002] With the continuous development of the credit card account market, the business risks faced by card issuing banks are also becoming increasingly apparent. Cashing out of credit card accounts began to proliferate, with various methods, seriously infringing on the order of financial management. In the face of ever-increasing user data, the existing financial institution supervision system provides functions such as browsing and displaying credit card information, which requires manual review to select accounts that may be cheating. The audit results are greatly affected by subjective factors and require It consumes a lot of manpower and material resources. Contents of the invention [0003] The purpose of the embodiments of this speci...

AI Technical Summary

Problems solved by technology

Cashing out of credit card accounts began to proliferate, with a variety of methods, seriously infringing on the order of financial management

In the face of ever-increasing user data, the existing financial institution supervision system provides functions such as browsing and displaying credit card information, which requires manual review to select accounts that may be cheating. The audit results are greatly affected by subjective factors and require Consume a lot of manpower and material resources

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