Real-time data-mining-based anomaly inquiry monitoring model of personal credit reference system and it's application

Abstract

The data selected contained 900 million query records in the latest 36 months from the personal credit reference system database.The model was subdivided according to different volatility characteristics of each user’s query behavior,and four types of real-time anomaly inquiry monitoring models were discussed and developed.Results indicate that the anomaly inquiry monitoring model is feasible to apply on predicting anomaly query behaviors and showed positive effects.The successful application and constant perfection of the model would definitely exert deterrent effect on illegal query behaviors,force commercial banks to strengthen internal management,protect individual’s private information and right,and promote the healthy development of the credit reference market.

Keywords

• data mining;personal credit reference system;anomaly inquiry;illegal inquiry;real-time monitoring