现代支付系统信息安全的反欺诈监测模型研究  

Research of Anti-fraud Detection Model for Advanced Payment System Information Security

作　　者：吴敬花[1,2] 周启海[1] 刘家芬[1] 

机构地区：[1]西南财经大学经济信息工程学院,成都610074 [2]四川农业大学信息与工程技术学院,雅安625014

出　　处：《计算机科学》2010年第12期76-80,共5页Computer Science

基　　金：国家自然科学基金项目(60903201);四川农业大学双支计划项目(00570914);四川农业大学教学质量工程项目(00509018)资助

摘　　要：计算机技术、通讯技术的迅猛发展与金融支付方式的信息化创新,使中国现代支付系统既越来越高效便捷,也面临日益加剧且监测颇难的金融信息安全威胁。这种威胁会影响我国现代支付系统信息化进程,还将影响国家金融命脉的信息安全与稳健发展。为此,提出了一种现代支付系统信息安全的反欺诈监测模型,该模型基于计算机链路挖掘新技术对现代支付系统海量信息进行动态反欺诈监测。对现代支付系统主要支付工具之一的信用卡进行反欺诈监测模拟的结果表明,该模型对提高信用卡欺诈判别的动态性、准确性和有效性,降低现代支付系统金融风险具有积极的意义。The rapid development of computer science and communication technology,as well as informational innovation on financial payment methods,make national Advanced Payment System（APS） more and more efficient and convenient,and they also bring many threats to financial information security which is very difficult to be detected.These threats will affect the informationalization course of national APS,and also influence the information security and steady development of national finance system.Therefore,this paper proposed an anti-fraud detection model for APS information security.Based on the link-mining as a new technology in computer science,this model detects the mass information of APS and finds fraud information dynamically.Through simulation on anti-fraud detection to credit-card which is one of the main tools of APS,its simulating results show that the model is significant to improve the dynamic detection,accuracy and validity of credit card fraud,and also reduces the financial risk in APS.

关 键 词：现代支付系统 信息安全 链路挖掘 反欺诈监测模型 

分 类 号：TP309[自动化与计算机技术—计算机系统结构]