美国国家税务局方案介绍

How IRS can leverage IRS利用方法
Use of similar risk and fraud detection capabilities on IRS returns or ―applications for refunds‖ 对IRS回报或“申请预期退税”进行相似的 风险及诈骗检测 Based on layered technology solution approach采用分层技术解 决方案 Data validation, Eligibility verification, Modelling, Rules management, Workflow engine, Case management 数据认证、合格认证、建模、规则管理、作业引擎、案例管理 Use historical data and predictors to model for future behavior 采用历史数据以及预测数据，为未来行为建模


© 2007 Fair Isaac Corporation. Confidential.
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Best Practice Example 3最佳实践3
Refund Anticipation Loans (RAL) Fraud Management 预期退税贷款（RAL）防诈骗管理
贷款 信贷局 税收回报 内部不良记录 确认 清除 分析 数据建模 行为指示值 分数产生 工 作 流 规则管理 案例管理 队列处理
How IRS can leverage IRS利用方法
Determine the identity of the customer and the associated fraud risks 确定客户身份及相关诈骗风险 Assess the likelihood that the claimant lives at the address provided 评估申请者居住在给定地址的可能性 • Should trace, investigation or recovery be required • 应进行跟踪、调查或追缴 Use the bureau data to review the financial status of claimant vs. information provided on tax return 比对征信局数据和税收回报信息，检查申请人财务状态 Ability to detect 能够检测 Multiple Returns 多重回报 Different Returns for same child from different parents 不同父节 点下的相同子节点的不同回报 Income Discrepancies收入差异
How IRS can leverage IRS利用方法 Ensure online tax returns are managed differently 确保差别化管理在线税费回报 Leverage the additional data sources available for online customers 为在线客户采用额外数据源 Provide the ability to intervene suspicious activity before tax return is filed 能够税费回报被记录之前干预可疑行为 Provide different treatment strategies than normal postal returns 提供正常邮寄回报之外的处理策略
页面导航 用户名/密码 双因素认证 登录失败重试 次数
创建支付 余额转移 账户转移 直接储蓄 细节变化
Industry Solution – Online Banking 产业解决方案—在线银行 Determine behaviour of client at 4 levels 在四个层面上确定客户行为： Assess Risk of: 评估下列风险： • Where customer is? 客户位置？ • How they are accessing the site? 客户登陆站点方法？ • Whether they behaviour is normal? 客户行为是否正常？ • What the customer trying to do? 客户要做什么？ • What the overall risk association is?整体风险联系怎样？ • What intervention /treatment is needed? 是否需要干预/处理？ Actions are taken in near real time, as the bank is using the solution to prevent rather than detect fraud 应以几乎实时的速度采取行动，银行需要通过解决方案预防诈骗，而 不是检测诈骗。
© 2007 Fair Isaac Corporation. Confidential.
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Best Practice Example 5最佳实践5
Using Analytics with Multiple Data Sources
基于多数据源采用分析技术
防诈骗分析师检查目前 实践情况
开发模式 数据分析 合并 集成 回滚相关历史数据 总结特点 记录 为已知诈骗类型及行为 创建数据集 部署防诈骗模式
Managing 1st and 3rd Party Fraud and ―Know Your Customer‖ (KYC) compliance 控制第一方和第三方诈骗，并管理“了解客户”顺顺从性 Embedded into the ―originations process‖ 将该解决方案融入到“个贷 发起流程”中 Use of internal historical data采用内部历史数据 Additionally provide data from credit bureaus and other data sources 额外提供从征信局获得的数据以及其他的数据源 Analysed through Analytics (eg Models, Scorecards, Neural Networks etc..) 采用分析技术进行分析（如模式、评分卡、神经网络等） Case Management Layer for treatment 案件管理层，方便处理
Industry Solution – Layered Solution 业务解决方案-分层解决方案
6 layered approach:6层方法： Ability to take in multiple data sources 能够采用多个数据源 Based on predictive variables, use an ―intelligent‖ layer to sort through the data and to identify suspicious activities / behaviours and rank order by risk. 根据预测性变量，采用“智能”层，整理数据，确定可疑行为，并 按风险排列顺序。 Rules to facilitate different strategies, e.g. what behaviours you want to see and when?采用规则，协助实现不同规则；例如：您 要查看什么活动，什么时候查看？ Manage the case workload through segmentation and permit analysis needed through different approaches 通过细分管理案例工作量，并通过不同方法进行分析 Permit actions to be taken, whether intervention, prevention or remedy批准采用相应的活动，例如干涉、预防或修正 Provide ability to research intelligence within the system for investigative purposes能够在系统内搜索情报，以便进行调查 1

Facilitate investigations 协助调查
© 2007 Fair Isaac Corporation. Confidential.
Best Practice Example 2最佳实践2
Application Fraud Monitoring 申请诈骗监督
Industry Solution – Application Fraud 业务解决方案—防申请诈骗

© 2007 Fair Isaac Corporation. Confidential.
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Best Practice Examຫໍສະໝຸດ Baidule 4最佳实践4
Online Banking Fraud在线银行诈骗
站点活动 数据设备
设备类型 操纵系统 IP及Mac地址 物理地址
访问控制 浏览器数据
浏览器种类
Best Practice Example 1最佳实践1
Fraud Technology and Process Design
防诈骗技术及流程设计
Data数据
Analytics分析 技术
Rules规则
Case Management 案例管理
Treatment处 理
Intelligence, Investigation & Research情报、调查与研究
Industry Solution – Multiple Data Sources 产业解决方案—多重数据源
How IRS can leverage IRS的利用方法
Adopt industry Fraud Solution architecture 采用业务防诈骗解决方案架构 Consolidate different data sources 综合不同数据源 Ensure decisions are taken consistently for different client segments 确保决策能够在不同客户细分中能够统一执行 Develop different treatment plans 开发不同的处理计划
确定变量
确 认 分 析 评 分
获 取 数 据
Industry Solution – RAL Fraud Management 业务解决方案—RAL防诈骗管理
Application risk assessment based on personal loans using anticipated IRS refund as collateral 采用预期IRS退税，根据个人贷款请股情况评估申请风险 Series of credit risk and fraud detection capabilities 信贷风险及诈骗检测能力 Data validation数据认证 Eligibility verification 合格认证 Statistical modelling predicting loan repayment, fraud and/or default数据建模，预测贷款还款、诈骗及/或违约 Rules management technology 规则管理技术 Workflow engine to route & queue suspect applications工作流引 擎，能够指派及队列处理可疑申请 Case management system to work and disposition cases 案例管理系统，能够处理案例