Zhang Gailun of reporter of daily of science and technology
Ended recently " black on Friday " in scare buying big fight, you are yourself to buy the next to admire long already bag in the heart in the website outside the condition with credit card.
After a few seconds, credit card opens an account the bank makes a telephone call to you. "Just the consumption that your credit card has dollar of brushstroke × × , be you oneself excuse me? Be you oneself excuse me??
You may feel close, feel possibly also impatient. Right now, effective is a bank monitor a system false instead. More moment, it undertakes after the event affirm.
Everything already was stopped when you were not aware of.
The feature sums up ace
Efficiency of give attention to two or morethings and accuracy rate
"Mix false attack false instead preventing war is long-standing, the cat can have rat. " can presiding wind accuses Teng Suozhi of intelligent banking company Guan Guoxi expresses, it is a long-standing black industry catenary false, also be the problem that financial industry headaches for it all the time.
Trade to business the con risk of level, the method that financial orgnaization adopts normally is setting expert regulation. Expert regulation basically is aimed at new happening, the fraudulent action that feature of apparent, risk stresses general character undertakes intercept. Expert regulation does not rely on long-term history data, experience of more support expert is direct.
No matter be expert regulation, or the machine study that artificial intelligence enterprise uses now, it is to should identify a feature, summarize the law. E.g. , embezzle the person of account may use different Zhang name and password combination to try to login in great quantities, so, same table facilities is short-term inside log onto overmuch Zhang date to be able to be defined be a kind of unusual action, this became financial orgnaization to oppose a regulation in con system.
"If use a tradition to oppose con measure, these regulation are circled very easily to go, after all the information that the person can handle is finite. " Guo Xi says.
What be placed before you now is the con incident that form a pile, every incident associated the time that it produces, place and user behavior. You are OK the hand uses an analysis, but also can give these data machine. After all, artificial intelligence is the ace that the feature sums up, efficiency and accuracy rate give attention to two or morethings.
Go up from essence for, this also is one searchs to differ and analyse different process -- if look,one picket trades " skeletal Qing Ji " , and other this devoir divides trade and different, machine can its uncover.
Without supervise or have supervise?
Applicable the most important
Artificial intelligence does wind to accuse, at present the training method of the mainstream, still have supervisory study.
Have supervisory study, just as its name implies, namely " somebody is being stared at " . Artificial intelligence by " cast hello " , it is financial orgnaization had tagged " normal " and " unusual " incident.
Normally the circumstance falls, if user Zhang date is embezzled, want him to be aware of somewhat only, can mirror to the bank. Accordingly, the bank can accumulate the data set with an a certain quantity of good tagging, these namely when artificial intelligence undertakes training " standard answer " . If machine judgement was opposite, give it award, let it be written down a bit firmlier.
Recently, the company that also has field of finance of science and technology shows, without inspect study of superintend and director can be below the circumstance that did not tag, prevent ahead of schedule sealed and con. Return somebody to point out, in safe domain turn over con in, without supervisory machine study technology can be behaved weller than having supervisory study.
Does without inspect study of superintend and director have really so magical?
"Will simply tell, the educational inspector that do not have inspect reviews even if ' get together kind ' . " Guo Xi tells daily of science and technology the reporter, the machine can trade according to the user the feature of of all kinds data in the process, will gather together like the photograph, cent becomes different type. But be not without supervisory study break away from completely " artificial " , the stand or fall of its effect relies on the experience that the person understanding to business setting and data feature derive greatly. Of simple force get together kind, appear very easily " awkward " -- " your hope machine according to ' normal ' and ' unusual ' will classify, but the machine divides the likelihood finally come out, it is account itself ' rich ' and ' do not have money ' , it is the user is ' female ' or ' the male ' , the referenced value of this kind of classification is not high. The referenced value of this kind of classification is not high..
The 4th model type turns over Wang Ming of con business controller to explain further to reporter of daily of science and technology, having supervisory study basically is to detect " unusual " , but " unusual " just " and other different " , itself does not have the real business meaning of direct correspondence. Con gang is opposite someone else is " different " , a certain upstart is returned relative to someone else is " different " . So, be not what inspect educational inspector reviews application is caught is " different " , and not be certainly " con " or the business end with affirmatory certain.
Without inspect study of superintend and director sounds gutty " we are different " lofty sentiments, but its application on industry is more finite, basically use at behavior unusual detect and CRM guest group differentiate. Look in Guo Xi, use the educational inspector that do not have inspect to review, it is sometimes " one can't make bricks without straw " below the circumstance lift helplessly. "In some application setting, the data that has ticket is compared really precious, can learn with the superintend and director that do not have inspect only right now " .
It is in order to turn over con domain exemple, already some con example with respect to may not completely accurate. Some moment, begin in business false in already happened insensibly, be tagged to be " normal " incident, actually the likelihood is con incident. "Data set is not quite clean, good example and bad appearance devoir are not clear, with respect to the accuracy that can affect study. " Guo Xi says frankly, be in some banks, lack really have tagged con case, because they use the method of test and verify of heavy and complicated,raised con threshold. This also is Shuang Renjian -- while protective account is safe, also sacrificed experience of one part user.
In the cold start-up phase of business, having supervisory study is a kind of right choice, can help business find out those who do not have directivity " different " gather. Moved when the system enough long, after accumulating label of enough much professional work, be based on business label to undertake having supervisory study with respect to need, will improve direct and decision-making efficiency further.
So, without inspect study of superintend and director is done not have so fierce, educational inspector having prison reviews also not " Out " . "The technology does not depend on stand or fall, the key depends on applicable. " Wang Ming says, proper program is to be based on be used to of the educational inspector that do not have inspect to do preliminary choose, those who be based on be used to of educational inspector having prison to do whole is decision-making.
The road is high one feet, evil spirit is high one a unit of length
Be in all the time argue
Fraudulent means is in all the time " upgrade replacement " . Have article analysis, its essence is changed definitely and high-tech turns a tide apparent, fraudulent action already developed to industrialization, in network bilk, false application, fishing, bogus the domain such as card was formed on, the black industry with medium, downstream whole structure catenary. The end on industrial catenary is " technical project " clique, filch information; Industrial catenary lower end is " social project " clique, after buying data information, exploit consumer psychology weakness, undertake theft, bilk or extortionate.
In the meantime, want to embezzle the person of account, affirm can ceaseless attempt, will understand and think method to bypass your regulation is installed. So, the data that the system collects is more overall, dimension is spent richer, con person the clues that stay is more, it can be judged more well and truly. "We can be accomplished everyday shorter even time replaces a model; So, even if the fraudulent means that appeared yesterday, artificial intelligence can discern. " Wangming emphasizes.
Seek advice according to Ai Rui release " 2018 Chinese artificial intelligence + financial industry considers to report " , capital just is opposite artificial intelligence + the investment heat of financial industry also is in warm up continuously, since 2016, annual financing time amount all exceeds 30 cases, among them, intelligence of intelligent wind agree is cast visit a territory most suffer chase after hold in both hands.
The industry has demand, natural meeting has more and more companies to enter. But diamond ability pulls next china to live. "Turn over con domain to have his characteristic, financial orgnaization trades the amount is huge, take user experience seriously, answer to the noise of whole system time and effect demand are very high. " Wang Ming also can feel, "Look from ability of true whole be born, can be in actually this one domain ' play together ' the company is not much. Can be in actually this one domain ' play together ' the company is not much..
Wang Ming analysis says, from the point of commercial angle, future, the artificial intelligence company that returns con domain can continue bull is hand-in-hand, let a hundred flowers blossom; But from the point of technical angle, head enterprise is met probably " sweep the deck of the person that win " , with the technology of enterprise of the 2nd echelon formation difference can pull bigger more. "No matter be educational inspector having prison,do not have supervisory study, artificial intelligence enterprise can continue for certain the algorithm with new research and development, bring new breakthrough, the financial orgnaization that helps a tradition finishs those who oppose con system to upgrade transform. The financial orgnaization that helps a tradition finishs those who oppose con system to upgrade transform..
The picture in article is divided the network all comes from outside making clear
