Method and device for identifying small-amount unauthorized swiping

An identification method and identification device technology, applied in the field of machine learning, can solve problems such as criminals stealing customers' bank cards, achieve accurate results of small-amount fraud, realize independent training, and improve accuracy

Pending Publication Date: 2021-06-29
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The scenario is to bind a bank card through the entrance APP, and the essence of its consumption is still bank card consumption. However, due to the popularity of online and offline scenarios, huge consumption da

Method used

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  • Method and device for identifying small-amount unauthorized swiping
  • Method and device for identifying small-amount unauthorized swiping
  • Method and device for identifying small-amount unauthorized swiping

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Embodiment Construction

[0027] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention more clear, the embodiments of the present invention will be further described in detail below in conjunction with the accompanying drawings. Here, the exemplary embodiments and descriptions of the present invention are used to explain the present invention, but not to limit the present invention.

[0028] In the description of this specification, the words "comprising", "comprising", "having", "containing" and so on are all open terms, meaning including but not limited to. A description referring to the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," etc., means that a particular feature, structure, or characteristic described in connection with the embodiment or example is included in at least one of the present application. Examples or examples. In this specification, schematic representations of the above terms do not ne...

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PUM

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Abstract

The invention provides a method and device for identifying small-amount unauthorized swiping. The method comprises the following steps: collecting historical small-amount consumption data of a plurality of customers; training a small-amount unauthorized swiping identification model based on the historical small-amount consumption data of the plurality of customers to obtain a trained mall-amount unauthorized swiping identification model; after obtaining new small-amount consumption data of the customer, inputting the new small-amount consumption data into the mall-amount unauthorized swiping identification model to obtain a small-amount unauthorized swiping identification result; after the mall-amount unauthorized swiping identificationresult is suspicious consumption, sending the mall-amount unauthorized swiping identificationresult to the customer for confirmation; and after the customer confirmation result is that mall-amount unauthorized swipingis determined, adding new small-amount consumption data to historical small-amount consumption data, and training the small-amount fraud identification model again. According to the invention, small-amount unauthorized swipingcan be effectively identified.

Description

technical field [0001] The invention relates to the technical field of machine learning, in particular to a method and device for identifying fraudulent brushes with small amounts. Background technique [0002] Today, with the popularity of digital payment, the way people consume has changed from traditional cash consumption to today's digital consumption, and a large number of online and offline payments form huge consumption data of the people. While the mainstream consumer traffic is imported into Alipay, WeChat, etc., the accounts and capital flow behind it are still provided by banks. The scenario is to bind a bank card through the entrance APP, and the essence of its consumption is still bank card consumption. However, due to the popularity of online and offline scenarios, huge consumption data has been generated, especially in small consumption scenarios in life, and small amounts are password-free The scene is gradually increasing, giving criminals the possibility o...

Claims

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Application Information

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IPC IPC(8): G06Q20/40G06Q10/06
CPCG06Q10/067G06Q20/409
Inventor 何易城何斌庄儒雄吕占德
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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