| 基于数据挖掘的反信用卡套现方案设计与实现 |
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| 引用本文： | 朱智君,陈苏阳.基于数据挖掘的反信用卡套现方案设计与实现[J].云南民族大学学报(自然科学版),2019(5). |
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| 作者姓名： | 朱智君 陈苏阳 |
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| 作者单位： | 中山大学南方学院 |
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| 摘 要： | 信用卡套现是指持卡人通过正常合法手续(ATM或柜台)以外的其他手段,将信用额度内的资金以现金方式套取,同时不支付银行提现费用的行为.基于大量数据卡交易信息,将数据挖掘理论应用于信用卡反套现评估中,运用数据挖掘算法中的决策树、KNN模型实现对信用卡套现行为、套现客户的辨别.经过实验验证,模型具有良好的应用效果,能够优化银行反信用卡套现识别、提高银行工作效率.
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| 关 键 词： | 金融行业 信用卡套现 数据挖掘 决策树 k最近邻 |
Design and implementation of data-mining technology for preventing cash-out frauds through credit cards |
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| Institution: | ,Accounting School of Nanfang College of Sun Yat-sen University |
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| Abstract: | Cash-out fraud through credit cards refers to illegal means to get cashes by the card holder within his credit limit and without paying any charges. Based on numerous transaction data of credit cards, this paper adopts a data-mining approach to the analysis of cash-out frauds by using the decision tree and KNN model to assess such illegal behaviors and distinguish such clients. The experimental results show that this method is quite applicable, efficient and helpful for the bank to prevent cash-out frauds. |
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| Keywords: | financial industry cash-out frauds through credit cards data mining decision tree K-nearest neighborh |
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