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Credit exchange cheating behavior processing method and device

A point exchange and processing method technology, applied in data processing applications, marketing, instruments, etc., can solve the problem of not being able to detect cheating behavior

Pending Publication Date: 2020-09-18
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Failing to detect cheating in time and accurately when customer points are redeemed

Method used

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  • Credit exchange cheating behavior processing method and device
  • Credit exchange cheating behavior processing method and device
  • Credit exchange cheating behavior processing method and device

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Embodiment Construction

[0062] In order to make the purpose, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments It is a part of the embodiments of this application, not all of them. Based on the embodiments in this application, all other embodiments obtained by persons of ordinary skill in the art without creative efforts fall within the protection scope of this application.

[0063] In the existing technology, banks raise the threshold for cheating in terms of security technology, or adjust the blacklist interface to judge whether the customer is abnormal, or have a strict early warning system that requires a special person to monitor the credit card swiping record, which cannot be found in time and accurately when the customer poin...

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Abstract

The invention provides a credit exchange cheating behavior processing method and device. Characteristic information of a card holding user is input into a preset Bayesian network model; according to output of the Bayesian network model, credit exchange transaction of a card is processed. The credit card credit exchange behavior of the card holder can be predicted under the condition that the credit exchange used by the normal card holder is not influenced, an alarm is given immediately once cheating or suspicious behaviors are found, and the customer cheating behaviors can be found timely andaccurately.

Description

technical field [0001] The present application relates to the technical field of computer detection, in particular to a method and device for processing fraudulent points exchange. Background technique [0002] In the activities of bank credit card points cashback, point exchange for gifts, and point exchange for merchant coupons, there are criminals who use credit card swiping post machines to accumulate a large number of virtual consumption points, and then use the points in their hands to obtain bank cashback and bill-free discounts. , or use the points in hand to exchange for gifts and then sell them. In this way, the bank's investment in marketing funds will be damaged, and the interests of normal cardholders will also be authorized. In the existing technology, banks raise the threshold for cheating in terms of security technology, or adjust the blacklist interface to judge whether customers are abnormal, or have a strict early warning system that requires special pers...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q30/02G06N7/00
CPCG06Q30/0225G06Q30/0233G06N7/01
Inventor 梁溪李慧贞黄湘影方安
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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