基于人工智能的移动金融风控体系建设中的实践  

Risk Control System for Mobile Bank Based on Artificial Intelligence

作　　者：王欣[1] Wang Xin(Bank of Guiyang Information Technology R&D Center, Beijing 100085)

机构地区：[1]贵阳银行信息科技部北京开发中心,北京100085

出　　处：《信息安全研究》2017年第11期1000-1005,共6页Journal of Information Security Research

摘　　要：随着智能手机的普及以及移动互联网时代的来临,越来越多的机构、组织以及个人用户有了通过移动智能终端及移动互联网处理金融业务的需求.但是,由于移动互联网交易情况的复杂性以及智能终端本身可能存在的安全漏洞,交易信息安全遭到日益严重的威胁,并可能产生难以预料的经济损失.描述了以移动金融交易为一个整体,提出以交易场景为核心、以人工智能及大数据技术为辅助,建立层次化的风险指标评估体系,并将其应用于贵阳银行手机银行(爽爽Bank)应用系统中.With the popularity of smartphones and mobile Internet,more and more institutions,organizations and individuals have the need to deal with financial business through intelligent terminal and mobile Internet.However,because of the complexity of the mobile Internet transactions and security issues intelligent terminal itself may exist,trading information security have been increasingly seriously threatened,and may produce unpredictable economic losses.This article describes the mobile financial transactions as a whole,puts forward the proposed transaction scenario as the core assisted with the technology of artificial intelligence and big data,so as to establish a hierarchical risk index evaluation system.Its application to Guiyang Mobile Bank system is in the last part.

关 键 词：人工智能 风险量化 生物识别 移动金融 智能决策 

分 类 号：TP319[自动化与计算机技术—计算机软件与理论]