Analysis And Design Of Bank Credit Card Application Anti-Fraud System

At present, the credit card application fraud of China’s commercial banks is a fraudulent behavior that exists in the application step of personal credit account of consumer finance business. As it is required for the mortgage, auto loans, personal consuming loans and other consumer finance business to have bank staffs meet with applicants and communicate frequently, the investigation of applicants’situations is also thorough, in addition there is usually some collateral, therefore the application fraud is not that popular in these businesses.For bank credit card business, the approval process is usually conducted by phone calls, it is not required for bank staffs to meet with applicants, plus the application volume is very large, the credit card centers of commercial banks are unable to thoroughly investigate applicants’real situations, also there is no collateral, therefore application fraud often happens.This thesis describes the case study of a commercial bank credit card application anti-fraud system independently developed by the company that I am working for. I participated in the requirement analysis of the system, database design, reporting sub-system design, database development and other related works.This thesis introduces the environment and background of credit card application anti-fraud, bank credit card approval process, and summarizes the process of credit card application anti-fraud. The Chinese fuzzy matching algorithm is the core technology adopted in the system, the data flow engine technology, rule management engine technology and decision trees engine technology are also used to achieve the flexible matching processing and comparison for high-volume data.This thesis individually analyzes the system’s function of application information inquiry, function of group system inquiry, function of black/ gray list management, function of statistical reporting, function of rules management, function of department management, function of authority limitation management, function of user management and function of interfaces with other systems, and conducts the system design and database design of the related features on this basis.This system has been implemented and run by multiple commercial banks in China, and the system is running very well.