金融机构打击欺诈的组织工作

S. Larionova
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引用次数: 0

摘要

本文研究的对象是远程银行和远程提供金融服务的技术,本文研究的主题是反欺诈的方法和手段。作者详细考察了欺诈交易成功的主要原因,分析了主要的反制工具,确定了反制效果分析的指标,提出了解决问题的途径。本文详细讨论了欺诈分析的算法,确定了分析欺诈交易的最优模型。特别注意分析远程提供金融服务领域中欺诈性交易增长的原因。作者明确了完善反欺诈制度的方向,包括完善支付领域立法的建议。文章还描述了主要的欺诈计划和当前的威胁,有助于欺诈交易的佣金。本研究的主要结论是:1。金融领域反欺诈交易的唯一方向是基于人工智能模型、欺诈交易指标及其使用规则对客户及其操作进行风险评估的欺诈分析系统,以及以风险为导向的客户及其操作认证。2. 欺诈分析使您不仅可以有效地保护客户端免受攻击者的攻击,还可以保护您自己在社会工程方法的影响下所做的操作。3.金融机构没有使用他们的权利来防止金融机构的客户在社会工程方法的影响下进行的欺诈交易。作者的一项特别贡献是关于改进立法以打击欺诈的建议。这项工作的科学新颖之处在于,考虑到现有的欺诈方案、反欺诈有效性指标,开发和论证了一种最优的反欺诈系统。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Organization of Work to Combat Fraud in a Financial Institution
The object of the research is the technology of remote banking and remote provision of financial services, the subject of the research of the article is methods and means of countering fraud. The author examines in detail the main reasons for successful fraudulent transactions, analyzes the main tools of counteraction, determines the indicators of the analysis of the effectiveness of counteraction, suggests ways to solve the problem. The article discusses in detail the algorithms of fraud analysis and determines the optimal model for analyzing fraudulent transactions. Particular attention is paid to the analysis of the reasons for the growth of fraudulent transactions in the field of remote provision of financial services. The author defines the directions for improving the anti-fraud system, including proposals for finalizing the legislation of the payment sphere. The article also describes the main fraud schemes and current threats that contribute to the commission of fraudulent transactions.   The main conclusions of the study are: 1. The only direction of countering fraudulent transactions in the financial sector is a fraud analysis system based on risk assessment of the client and his operations based on artificial intelligence models, indicators of fraudulent transactions and rules for their use, as well as risk-oriented authentication of the client and his operations. 2. Fraud analysis allows you to effectively protect the client not only from the actions of an attacker, but also from your own actions committed under the influence of social engineering methods. 3. Financial organizations do not use their rights to prevent fraudulent transactions that are committed by clients of a financial organization under the influence of social engineering methods. A special contribution of the author is proposals regarding the improvement of legislation in order to counter fraud. The scientific novelty of this work lies in the development and justification of an optimal anti-fraud system, taking into account existing fraud schemes, indicators of the effectiveness of anti-fraud.
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