摘要
[研究目的]创新资金预警模式是应对电诈犯罪风险升级的重要手段,深刻认识和把握电诈涉案账户交易行为中的共性异常模式,以更加准直的方式定向挖掘电诈被害人银行账户交易特征,有助于建构专门的电诈风险交易监测理论模型,破解银行FDS反欺诈系统运行过程中导致资金预警结果滞后的堵点、卡点和脆弱点,进而形成基于STS策略下资金预警活动变革新模式新路径。[研究方法]为了探讨模型构建的核心风险维度,采用扎根理论对百例电诈被害人银行账户的交易流水原始数据进行编码描述和质性分析,遵循“开放式编码-主轴式编码-选择性编码”分段迭代流程,通过定性比较法在异常数据流与被骗风险之间的“拉动机制”中探索关联关系,将单一化的特征条件集合升级为整体性的风险条件矩阵,以Apriori算法加强资金行为基线的精准度调整和指标体系解释,重新定位反诈资金预警系统“四域”融合、多维协同作战的新范式。[研究结果/结论]涉诈资金流筛查可基于被害人账户异动规则和偏差交易行为而触发,这需要加强被害人资金处置行为与心理的关联挖掘和基线偏离预测分析,结合多模态数据的融合以及跨域专家知识的结构化,完成模型中多渠道异构数据与跨领域知识经验的异类整合。新模型可在数据情报驱动下对各类诈骗风险场景的用户资金交易活动进行个性化预测分析,为公安机关核查案件线索、采取冻结止付措施提供可靠的决策依据。
[Research purpose]Innovative fund early warning mode is an important means to cope with the risk escalation of electronic fraud crimes.By deeply understanding and grasping the common abnormal patterns in the transaction behavior of electronic fraud involved accounts,and targeting the mining of the transaction characteristics of electronic fraud victims'bank accounts in a more targeted manner,it is helpful to construct a specialized theoretical model for monitoring electronic fraud risk transactions,break through the obstacles,bottlenecks,and vulnerabilities that lead to lagging fund early warning results in the operation of bank FDS anti fraud systems,and thus form a new model and path for the transformation of fund early warning activities based on STS strategy.[Research method]In order to explore the core risk dimensions of model construction,grounded theory was used to encode and qualitatively analyze the transaction flow raw data of 100 victims of electronic fraud in their bank accounts.Following the segmented iterative process of"open coding-spindle coding-selective coding",the correlation between abnormal data flow and fraud risk was explored through a deterministic comparison method in the"pulling mechanism".The single feature condition set was upgraded to a holistic risk condition matrix,and the Apriori algorithm was used to strengthen the accuracy adjustment of the fund behavior baseline and the interpretation of the indicator system,repositioning the new paradigm of the"four domains"fusion and multidimensional collaborative operation of the anti fraud fund early warning system.[Research result/conclusion]The screening of fraudulent fund flows can be triggered based on the abnormal rules and biased trading behaviors of the victim's account.This requires strengthening the correlation mining and baseline deviation prediction analysis between the victim's fund disposal behavior and psychology,combined with the fusion of multimodal data and the structuring of cross domain expert knowledge,to complete the heterogeneous integration of multi-channel heterogeneous data and cross domain knowledge experience in the model.The new model can provide personalized prediction and analysis of user fund trading activities in various fraud risk scenarios driven by data intelligence,providing reliable decision-making basis for public security organs to verify case clues and take freezing and payment suspension measures.
作者
谢玲
孙美澄
Xie Ling;Sun Meicheng(Southwest University of Political Science and Law,Chongqing 401120)
出处
《情报杂志》
北大核心
2025年第9期78-87,共10页
Journal of Intelligence
基金
2025年度重庆市教委科学技术研究计划重点项目“涉诈资金异常流动智能识别预警研究”(编号:KJZD-K202500305)
2023年西南政法大学重点委托项目“资金预警账户流动异常识别研究”(编号:2023-XZWTZD07)研究成果。
关键词
电信网络诈骗
资金预警
风险交易行为
资金账户风险交易
扎根理论
telecommunications network fraud
fund warning
risk trading behavior
risk trading for fund account
Grounded theory
作者简介
谢玲,女,1983年生,博士,副教授,副院长,研究方向:新型犯罪治理;孙美澄,女,2000年生,硕士研究生,研究方向:侦查学。
