智能反欺诈

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中邮消费金融智能反欺诈项目入选“智能金融十佳案例”
Zheng Quan Ri Bao Wang· 2025-07-17 11:52
Core Insights - Zhongyou Consumer Finance Co., Ltd. was recognized as one of the "Top Ten Smart Finance Cases" for its innovative research and application in intelligent risk anti-fraud [1][2] - The company developed a three-pronged intelligent defense system against fraud, focusing on AI technology misuse [1] Group 1: Technological Innovations - The intelligent defense system includes dynamic biometric deep defense, which integrates multiple live detection technologies and video 3D dynamic analysis to intercept identity impersonation and deepfake fraud attacks [1] - The system employs an innovative graph neural network model (NEI-GraphSage) for precise identification of professional fraud rings [1] - A unified cross-modal decision framework was established to break down data silos, enabling deep integration and collaborative analysis of multi-dimensional information such as images, videos, sounds, and texts [1] Group 2: Application and Impact - The system covers the entire process of loan approval, from pre-loan access to post-loan management, achieving breakthroughs in key scenarios such as marketing fraud detection and identity verification [2] - In 2024, the system successfully intercepted over 1.09 million non-compliant applications and blocked 8,479 fraud cases, recovering marketing losses of 4.55 million yuan [2] - The company aims to deepen the application of this system and continue advancing research in intelligent anti-fraud technologies to enhance its risk control framework [2]