情报杂志2025，Vol.44Issue(9)：78-87,10.DOI:10.3969/j.issn.1002-1965.2025.09.010
电诈被害人资金账户风险交易模型的理论构建与预警应用
Theoretical Construction and Early Warning Application of Risk Trading Model for Fund Accounts of Electronic Fraud Victims
摘要
Abstract
[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,bottle-necks,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-selec-tive 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 par-adigm 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 in-telligence,providing reliable decision-making basis for public security organs to verify case clues and take freezing and payment suspen-sion measures.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Key words
telecommunications network fraud/fund warning/risk trading behavior/risk trading for fund account/Grounded theory分类
社会科学引用本文复制引用
谢玲,孙美澄..电诈被害人资金账户风险交易模型的理论构建与预警应用[J].情报杂志,2025,44(9):78-87,10.基金项目
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) （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. （编号:2023-XZWTZD07）
