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Abnormal card identification method and device, electronic equipment and storage medium

An abnormality and identification model technology, applied in the field of Internet finance, can solve the problem of high misrecognition rate of abnormal card identification scheme, and achieve the effect of making up for singleness and improving accuracy.

Pending Publication Date: 2022-08-09
CHINA UNIONPAY
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Problems solved by technology

[0004] The embodiment of the present invention provides an abnormal card identification method, device, electronic equipment and storage medium to solve the problem of high misidentification rate in the existing abnormal card identification scheme

Method used

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  • Abnormal card identification method and device, electronic equipment and storage medium
  • Abnormal card identification method and device, electronic equipment and storage medium
  • Abnormal card identification method and device, electronic equipment and storage medium

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Embodiment Construction

[0054] The present invention will be further described in detail below with reference to the accompanying drawings. Obviously, the described embodiments are only a part of the embodiments of the present invention, but not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention.

[0055] The abnormal card identification method of the related art has the following disadvantages:

[0056] (1) Set corresponding expert rules based on historical experience, such as identifying the number of cards in the same card bin (bank identification code), single detection logic, insufficient information mining of cardholders' own risk information and transaction behavior sequences in marketing activities.

[0057] (2) It mainly focuses on post-event detection, lacks generalization ability, does not regard marketing acti...

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Abstract

The invention discloses an abnormal card identification method and device, electronic equipment and a storage medium, and the method comprises the steps: determining the feature vector of a bank card according to the historical transaction record of the bank card for the bank card of the same type, and determining the probability value of the bank card as an abnormal card based on an abnormal card identification model; and determining the target similarity between the bank card and the transacted bank card of the same kind, counting the accumulated transaction number and the transaction interval time of the transacted bank card of the same kind, and determining the risk exposure parameter value according to the probability value, the target similarity, the accumulated transaction number and the transaction interval time. And finally carrying out abnormal card identification based on the risk exposure parameter value. The method comprises the following steps: firstly, determining a probability value that a bank card is an abnormal card, and then jointly determining a risk exposure parameter value for identifying an abnormal behavior in combination with the convergence, namely target similarity, of the bank card, the accumulated number of transactions and the transaction interval time. The unicity of the existing rule is made up, and the accuracy of abnormal card identification is improved.

Description

technical field [0001] The present invention relates to the technical field of Internet finance, and in particular, to an abnormal card identification method, device, electronic device and storage medium. Background technique [0002] Promotional offers in the process of corporate marketing help the company to attract new customers, enhance user activity and brand image, but some personnel attempt to obtain benefits through abnormal transactions through marketing activities, which is called abnormal behavior. Abnormal behavior seriously affects the marketing cost of the enterprise and reduces the marketing effect. Therefore, how to detect and deal with these abnormal behaviors and ensure the flow of marketing funds to consumers is an important guarantee for enterprises to carry out marketing activities. [0003] Under normal circumstances, abnormal cards have the same characteristics as the card Bin (bank identification code), the card number has a certain continuity, and t...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/04G06K9/62
CPCG06Q40/04G06F18/22G06F18/24G06F18/214
Inventor 潘婧杜星波杨燕明高鹏飞郑建宾赵金涛汤韬李晓刚
Owner CHINA UNIONPAY
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