数据挖掘在交易欺诈侦测中的应用

摘要

银行产业的迅猛发展，在带来海量银行卡交易的同时，也伴随着越来越多的交易欺诈。欺诈交易不仅给持卡人、商户等带来不可估量的损失，而且严重阻碍银行产业的发展，本文分析了交易欺诈的各种类型以及行为特征，对交易欺诈侦测过程中应用的数据挖掘技术进行了介绍，并给出了基于随机森林建立交易欺诈侦测模型的基本流程，为交易欺诈侦测工作提供了参考。%The rapid development of banking industry brings huge bank card transactions, with increasing trading fraud accompanying at the same time. Fraud transactions bring immeasurable losses to the cardholders as well as merchants, and impede the development of banking industry, so fraud detection technology is particularly important. this paper analyzes various types of fraud and fraud behavior characteristics, introduces application of data mining technology in fraud detection, and offers the basic process of establishing fraud detection model based on random forests, provides reference for fraud detection work.