Research On Anti-fraud Issues In X Bank Mobile Payment

With the rapid development of Internet and electronic technology,the use of mobile payment is becoming more and more extensive.The public use of mobile terminals is becoming more and more common.The transfer and flow of funds caused by various mobile terminals are increasing year by year.With the business scope of commercial banks gradually expanded,business types increased year by year,commercial banks in recent years,rapid development,with the expansion of business,bank fraud cases increased year by year,including loan fraud,mobile banking fraud,mobile Internet fraud,Credit card or letter of credit fraud and other types of fraud fraud for financial institutions to implement financial fraud,fraud increases the amount of fraud means more diverse,so that banks and other financial institutions can not be prevented,the bank and other financial institutions reputation and trust The Bank should give appropriate precautions to minimize the degree of harm caused by the risk of fraud or prevent preventive measures in advance to take preventive measures in the light of the adverse effects of fraud risk.Based on the theory of mobile payment and fraud risk,this paper analyzes the anti-fraud system of X Bank in its mobile payment operation,and then reveals that it can effectively prevent and manage the risk of fraud Suggestions.This chapter is divided into five sections:The first chapter mainly discusses the background and significance of the topic,the contents and methods of the research and the related research summary at home and abroad;the second chapter is explained from the theoretical point of view Mobile fraud,fraud and anti-fraud.Then,based on the theory of fraud triangle theory,fraud risk factor and knowledge based on criminal psychology as the theoretical basis,the paper analyzes the characteristics of fraud risk by combining mobile payment scenarios,and then puts forward two anti-The third chapter is analyzed from the perspective of case analysis,this chapter first introduced the basic situation of X Bank and X bank mobile payment market layout classification,followed by X Bank's current anti-fraud operating system,including its Organizational structure,anti-fraud processing module,X bank anti-fraud in the process of deficiencies,and then from the X Bank mobile payment anti-fraud management system of three different stages,that is,before,after,the three stages of their respective The prevention and control measures and their problems and causes;the fourth chapter from the laws and regulations,the use of technology and supervision The fifth chapter is based on the previous four chapters from the continuous innovation of anti-fraud processing technology,timely anti-fraud communication and cooperation,to optimize the anti-fraud management strategy,To regulate the internal and external fraud of the bank to prevent and control four different angles to analyze the X bank in the mobile payment process of anti-fraud measures.