防止信用卡欺詐的系統(tǒng)設計

本文探討了數(shù)據挖掘技術在銀行系統(tǒng)中的應用，并設計了一個信用卡反欺詐系統(tǒng)。文內首先針對金融欺詐的巨大危害性，論述實施反欺詐系統(tǒng)的必要性，詳述了銀行交易系統(tǒng)的功能劃分和反欺詐系統(tǒng)的具體設計，其中著重闡述采用貝葉斯分類器對海量的信用卡客戶數(shù)據分類，預測該用戶行為是否欺詐并做出及時處理。
關鍵詞：數(shù)據挖掘；簡單貝葉斯；信用卡；欺詐：
Abstract: The paper studies the application of data mining in system of bank, and designs
anti-Fraud system of credit card. The paper firstly aims at the tremendous damages of finance
fraud, and then discusses the necessary of implementing the anti-fraud system. The paper
expatiates functional partition of bank exchange system and integrated design of anti-fraud system, specially describes that the system adopt Bayesian classifiers to class massive data of credit users, and then predicts if uses should be fraud and deals with the case in time.
Key words: data mining; na?ve Bayesian; credit card; fraud