防止信用卡欺诈的系统设计

本文探讨了数据挖掘技术在银行系统中的应用，并设计了一个信用卡反欺诈系统。文内首先针对金融欺诈的巨大危害性，论述实施反欺诈系统的必要性，详述了银行交易系统的功能划分和反欺诈系统的具体设计，其中着重阐述采用贝叶斯分类器对海量的信用卡客户数据分类，预测该用户行为是否欺诈并做出及时处理。
关键词：数据挖掘；简单贝叶斯；信用卡；欺诈：
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; naïve Bayesian; credit card; fraud