EP3574462A1 - Detection automatique de fraudes dans un flux de transactions de paiement par reseaux de neurones integrant des informations contextuelles - Google Patents

Detection automatique de fraudes dans un flux de transactions de paiement par reseaux de neurones integrant des informations contextuelles

Info

Publication number
EP3574462A1
EP3574462A1 EP17832295.4A EP17832295A EP3574462A1 EP 3574462 A1 EP3574462 A1 EP 3574462A1 EP 17832295 A EP17832295 A EP 17832295A EP 3574462 A1 EP3574462 A1 EP 3574462A1
Authority
EP
European Patent Office
Prior art keywords
contextual information
transactions
transaction
classification system
frauds
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
EP17832295.4A
Other languages
German (de)
English (en)
French (fr)
Inventor
Mathieu GARCHERY
Olivier CAELEN
Liyun HE-GUELTON
Michael GRANITZER
Konstantin ZIEGLER
Stefan ZWICKLBAUER
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Worldline SA
Original Assignee
Worldline SA
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Worldline SA filed Critical Worldline SA
Publication of EP3574462A1 publication Critical patent/EP3574462A1/fr
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing

Definitions

  • the present invention relates to a mechanism for detecting anomalies in a bank transaction flow. It applies in particular to the detection of fraud.
  • the model works the opposite: the input of the network is a word wi and Word2Vec predicts the context around this word: wi-2, wi-1, wi + 1, wi 2.
  • Word2Vec is very fast and can be further accelerated using parallel learning techniques.
  • training on Wikipedia's corpus can take around 90 minutes with a personal computer equipped with a quad-core processor Intel brand running at 4x3.4 GHz, and a memory of 16 GB.
  • the node succ (x) of the node x is chosen randomly and uniformly equally among the adjacent nodes, that is to say with a uniform probability equal to 1 / Edges0f (x), with "EdgesOf (x)" a function returning the number of links of the node x, that is to say the number of links in the vector vk.

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
EP17832295.4A 2017-01-30 2017-12-22 Detection automatique de fraudes dans un flux de transactions de paiement par reseaux de neurones integrant des informations contextuelles Ceased EP3574462A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
FR1750737A FR3062504A1 (fr) 2017-01-30 2017-01-30 Detection automatique de fraudes dans un flux de transaction de paiement par reseaux de neurones integrant des informations contextuelles
PCT/FR2017/053819 WO2018138423A1 (fr) 2017-01-30 2017-12-22 Detection automatique de fraudes dans un flux de transactions de paiement par reseaux de neurones integrant des informations contextuelles

Publications (1)

Publication Number Publication Date
EP3574462A1 true EP3574462A1 (fr) 2019-12-04

Family

ID=59409392

Family Applications (1)

Application Number Title Priority Date Filing Date
EP17832295.4A Ceased EP3574462A1 (fr) 2017-01-30 2017-12-22 Detection automatique de fraudes dans un flux de transactions de paiement par reseaux de neurones integrant des informations contextuelles

Country Status (4)

Country Link
EP (1) EP3574462A1 (zh)
CN (1) CN110226179A (zh)
FR (1) FR3062504A1 (zh)
WO (1) WO2018138423A1 (zh)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11900382B2 (en) 2020-09-29 2024-02-13 Mastercard International Incorporated Method and system for detecting fraudulent transactions

Families Citing this family (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109783637A (zh) * 2018-12-12 2019-05-21 国网浙江省电力有限公司杭州供电公司 基于深度神经网络的电力检修文本挖掘方法
US11403643B2 (en) * 2020-01-24 2022-08-02 Adobe Inc. Utilizing a time-dependent graph convolutional neural network for fraudulent transaction identification
CN111899085A (zh) * 2020-06-15 2020-11-06 东方微银科技(北京)有限公司 一种身份交叉验证方法及装置
EP4172902A4 (en) * 2020-06-30 2024-05-29 Stripe, Inc. MACHINE LEARNING INFRASTRUCTURE AND METHOD FOR ITS USE

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5822741A (en) * 1996-02-05 1998-10-13 Lockheed Martin Corporation Neural network/conceptual clustering fraud detection architecture
EP1450321A1 (de) * 2003-02-21 2004-08-25 Swisscom Mobile AG Verfahren und System zur Aufdeckung von möglichen Betrügen in Zahlungstransaktionen
US20150339672A1 (en) * 2014-08-08 2015-11-26 Brighterion, Inc. Automation tool development method for building computer fraud management applications
US20160086185A1 (en) * 2014-10-15 2016-03-24 Brighterion, Inc. Method of alerting all financial channels about risk in real-time
US9552548B1 (en) * 2016-07-01 2017-01-24 Intraspexion Inc. Using classified text and deep learning algorithms to identify risk and provide early warning

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11900382B2 (en) 2020-09-29 2024-02-13 Mastercard International Incorporated Method and system for detecting fraudulent transactions

Also Published As

Publication number Publication date
WO2018138423A1 (fr) 2018-08-02
FR3062504A1 (fr) 2018-08-03
CN110226179A (zh) 2019-09-10

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