基于数据挖掘的反信用卡套现方案设计与实现

Design and implementation of data-mining technology for preventing cash-out frauds through credit cards

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.

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.