Feature Analysis Of Online Banking Frand And Early Warning System Design

With the popularity of computer networks and the emergence of electronic commerce,commercia l banks are competing to raise the service level of online banking. Onlinetransactions are more convenient and faster. Online banking provide s fina ncia l services to thebank customers to low-carbon and comfortable, but also used by crimina ls to defraud as a toolfor committing crimes, it is the most efficient and most hidden channels to transfer theproceeds of fraud, so that brought the investigation of cases new challengesPresented in this study is analyzing the features of online banking transactions thatfraudsters checking account or transfer of funds of fraud, to identify fraud based on thesefeatures, and the design of fraud early warning system to provide the basis for Early warning,monitoring and tracking within combat fraud.First, this paper describes the development of fraud and the situation of studys in fraudprevention, After analyzing the ma in link in the fraud process, found the key link whichAccounts receivable and transfer of funds to stop fraud. Then, according to past experience ininvestigating the case to assist the public security organs, we summed up the fraudsters thatfraudsters used online banking check accounts and transfer of funds, and analysis the recordsof fraud transactions and norma l transactions of online banking with statistica l methods, andthen determine then existence and the eigenvalues range of the features. Finally, the fraudearly warning system is designed based on the business systems of China Construction Bankand a simple early warning system was built in the client environment.The main works of this study are: (1) The search of key link to prevent and combat fraud- destructing the link of transfer of funds, which would make fraudsters can not achieve theirgoals of cheating money, thus make fraud prevention more positive; (2) Deep analysis of the 8ma in features of fraudsters transfer funds through online banking, what will be used as areference in fraud investigation and researching. (3)The desgign of Early Warning System toFraud based on the business systems of China Construction Bank, which would monitor andrapid process of suspicious transactions online banking fraud.