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信用卡有了“智能”反欺诈服务

2017-09-28 07:47:51   

▲ 截至目前,凭借智能反欺诈系统,平安银行信用卡中心已累计对超过8亿笔交易实行实时风险决策,直接和间接为用户减少了约6500万元人民币的经济损失

现代社会离不开信用卡,但时而曝出的信用卡被盗刷新闻总让人心惊胆战。有些不法分子通常会扮成“客服”“卖家”,通过短信附上不明链接或者用二维码扫描植入病毒等,引诱持卡人上当并盗取相关信息。据《2016年国内银行卡盗刷大数据报告》分析,2016年全国银行卡客户累计盗刷损失1.83亿元。

如果有一家银行能在第一时间智能识别盗刷行为,并立即阻止,这种服务你想要吗?答案肯定不言自明。近日,平安银行就推出了一款平安信用卡智能反欺诈服务,它能通过亿级别的海量金融数据,建立用户行为画像、训练大数据侦测模型,搭载高效的决策引擎,全天候实时反欺诈监控,每次系统决策均在200毫秒内完成响应,可有效防堵首笔欺诈盗刷交易,基本上可保证被盗刷的用户资金“零损失”。

平安银行零售风险管理部总经理兼信用卡中心风险总监张慎表示:“现在许多国内金融机构虽然也有信用卡反欺诈系统,但通常都是从第二笔交易才开始防堵,对于首笔欺诈交易以及首笔后立即发生的高频盗刷交易,还没有很好的解决方案。造成这种困境的主要原因在于,反欺诈实时交易授权决策系统需要在极短时间内给出决策结果,对系统性能、模型规则精准度的要求都非常高。”

平安银行这套自主研发、拥有完全自主知识产权的信用卡智能反欺诈系统,能够实现对首笔欺诈交易防堵。据介绍,该系统打破传统的反欺诈作业平台需要依靠增加人力来提升整体作业平台产能的现状,大幅提高了监控精准度和决策效率。同时,平安信用卡建立了反欺诈风险管理体系,支持语音自动外呼、卡片自动管制等,通过前、后端系统呼应,更加高效、科学地防堵和处理信用卡盗刷等欺诈案件。

截至目前,凭借智能反欺诈系统,平安银行信用卡中心已累计对超过8亿笔交易实行实时风险决策,直接和间接为用户减少了约6500万元人民币的经济损失。

能够实现对首笔欺诈交易防堵固然是好的,但对于持卡人而言,仍要防患于未然,将被信用卡盗刷的风险降至最小。首先,在办卡时,一定要通过银行网点等正规渠道办理,不要委托他人或非法中介代办。其次,在刷卡时,持卡人应全程参与并留意刷卡过程,最好避免交给他人代刷。此外,网上购物时要保持高度警惕,很多“钓鱼”网站让人防不胜防,因此要安装必要的杀毒、防木马软件和安全控件,不要随意点开不良网站等。

如果出现信用卡被盗刷情况,持卡人首先应立即致电发卡银行的官方客服,及时冻结账户或挂失卡片,并要求银行查询交易信息。同时,持卡人可在就近的ATM机或POS机上尝试一笔交易,查证该银行卡是否已被冻结。随后,持卡人还应及时向公安机关报案,详述被盗刷情况,留好报警回执。

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