A heterogeneous graph construction method for credit card transaction fraud detection

CN116257801BActive Publication Date: 2026-08-28RENMIN UNIVERSITY OF CHINA
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Patent Information

Application Number
CN202211725204.2
Authority / Receiving Office
CN · China
Patent Type
Patents(China)
Current Assignee / Owner
Filing Date
2022-12-30
Publication Date
2026-08-28
Estimated Expiration
2042-12-30

AI Technical Summary

Technical Problem

然而，在欺诈检测技术提高的同时，欺诈手段也升级更新，欺诈者通过改变交易行为模式或使用多张信用卡伪装成正常的交易者，进而瞒过聚焦于个体的欺诈检测系统

Benefits of technology

[0025]与现有技术相比，根据本发明的一种面向信用卡交易欺诈检测的异构图构建方法，建立得到的异构图可应用于信用卡交易欺诈检测模型输入；在本方法中，能够将信用卡交易相关场景建模为异质信息网络，充分考虑了持卡人、持卡人社会关系、银行卡、商家等多种实体以及实体之间的丰富关系信息；并且，本方法利用异构图的整体视角，欺诈者难以通过模仿正常交易者改变个体行为（开设多张卡或改变个体交易行为）瞒过检测系统，信用卡欺诈检测准确率得以提升。

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Abstract

The application discloses a kind of heterogeneous graph construction methods for credit card transaction fraud detection, it is related to the technical field of credit card transaction security, comprising the following steps: S1: the data of credit card holder personal information, social relationship information, credit card transaction related information is collected;S2: the data obtained is preprocessed, and missing values are filled;S3: according to transaction relationship network, social relationship network and account device relationship network, a heterogeneous graph network is constructed;S4: the heterogeneous graph network constructed above is merged into a heterogeneous graph containing the social relationship of cardholder, credit card transaction related relationship and account device relationship according to the same cardholder node, transaction node and bank card node, and the basic information of transaction related party is embedded into the heterogeneous graph as a feature vector.The application fully considers the rich relationship information between various entities such as cardholders, cardholder social relationships, bank cards and merchants.
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Citation Information

Patent Citations

  • Missing attribute information completion method and device, computer equipment and storage medium

    CN110659396A

  • Risk prediction method and device based on two-party network relation graph and electronic equipment

    CN111199474A