• Journal of the Korea Convergence Society
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• v.8 no.4
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• pp.19-24
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• 2017

The growing number of electronic financial transactions (e-banking) has entailed the rapid increase in security threats such as extortion and falsification of financial transaction data. Against such background, rigid security and countermeasures to hedge against such problems have risen as urgent tasks. Thus, this study aims to implement an improved case model by applying the Fraud Detection System (hereinafter, FDS) in a financial corporation 'A' using big data technique (e.g. the function to collect/store various types of typical/atypical financial transaction event data in real time regarding the external intrusion, outflow of internal data, and fraud financial transactions). As a result, There was reduction effect in terms of previous scenario detection target by minimizing false alarm via advanced scenario analysis. And further suggest the future direction of the enhanced FDS.

• The Journal of Society for e-Business Studies
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• v.26 no.3
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• pp.21-32
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• 2021

Due to the recent development in electronic financial services, transactions of electronic prepayment are rapidly increasing. The increased transactions of electronic prepayment, however, also leads to the increased fraud attempts. It is mainly because electronic prepayment can easily be converted into cash. The objective of this paper is to develop a methodology that can effectively detect fraud transactions in electronic prepayment, by using sequential pattern mining techniques. To validate our approach, experiments on real transaction data were conducted and the applicability of the proposed method was demonstrated. As a result, the accuracy of the proposed method has been 95.6 percent, showing that the proposed method can effectively detect fraud transactions. The proposed method could be used to reduce the damage caused by the fraud attempts of electronic prepayment.

• The Journal of Society for e-Business Studies
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• v.23 no.4
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• pp.153-169
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• 2018

Previous e-financial anomalies analysis and detection technology collects large amounts of electronic financial transaction logs generated from electronic financial business systems into big-data-based storage space. And it detects abnormal transactions in real time using detection rules that analyze transaction pattern profiling of existing customers and various accident transactions. However, deep analysis such as attempts to access e-finance by insiders of financial institutions with large scale of damages and social ripple effects and stealing important information from e-financial users through bypass of internal control environments is not conducted. This paper analyzes the management status of e-financial security programs of financial companies and draws the possibility that they are allies in security control of insiders who exploit vulnerability in management. In order to efficiently respond to this problem, it will present a comprehensive e-financial security management environment linked to insider threat monitoring as well as the existing e-financial transaction detection system.

• Proceedings of the Korea Information Processing Society Conference
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• 2023.05a
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• pp.621-623
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• 2023

전자금융거래 시장이 활발해지며 이에 따라 신용 카드 이상 거래가 증가하고 있다. 따라서 많은 금융 기관은 신용 카드 이상 거래 탐지 시스템을 사용하여 신용 카드 이상 거래를 탐지하고 개인 피해를 줄이는 등 소비자를 보호하기 위해 큰 노력을 하고 있으며, 이에 따라 높은 정확도로 신용 카드 이상 거래를 탐지할 수 있는 실시간 자동화 시스템에 대한 개발이 요구되었다. 이에 본 논문에서는 머신러닝 기법 중 부스팅 알고리즘을 사용하여 더욱 정확한 신용 카드 이상 거래 탐지 시스템을 제안하고자 한다. XGBoost, LightGBM, CatBoost 부스팅 알고리즘을 사용하여 보다 정확한 신용 카드 이상 거래 탐지 시스템을 개발하였으며, 실험 결과 평균적으로 정밀도 99.95%, 재현율 99.99%, F1-스코어 99.97%를 취득하여 높은 신용 카드 이상 거래 탐지 성능을 보여주는 것을 확인하였다.

• The Journal of Society for e-Business Studies
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• v.19 no.4
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• pp.119-134
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• 2014

Financial companies are providing electronic financial transactions through a variety of user terminals for non-face-to-face services such as Internet banking, smart phone banking, or etc. However, in these services users' security awareness and the limitations of technical responses has frequently caused the financial loss so that fundamental protection measures are required from financial authorities. Accordingly, financial industry is planning and establishing systems that block unusual financial transactions by comprehensively analyzing and detecting user's electronic information, access information, transaction information, and so on in accordance with "Guide for building Unusual financial transactions detection system" to prevent the financial loss that happens in electronic financial transactions. In this paper, we analyze case studies of unusual financial transactions detection and prevention system that is built and operated in financial companies and current operating status and propose effects of the accident prevention and security measures later.

• Proceedings of the Korea Information Processing Society Conference
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• 2017.11a
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• pp.738-741
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• 2017

금융 산업, IT 기술의 발전과 이를 융합한 핀테크 사업의 활성화에 따라 전자금융거래의 규모가 지속적으로 증가하고 있다. 이에 따라 다양한 사기 결제나 부정 결제의 위험도 증가하고 있다. 그래서 이러한 위험을 사전에 예방하기 위해 데이터 마이닝 기법을 이용한 이상거래 탐지 연구가 활발히 진행되고 있다. 본 연구에서는 데이터 마이닝을 이용한 이상거래 탐지 연구 동향을 살펴보고, 세부 응용 영역별(신용카드, 보험, 기타금융)로 최적의 성능을 보이는 기법을 비교 분석하였다. 이러한 연구의 결과는 이상거래 탐지 시스템에 대한 최신 연구 동향을 이해하고, 다양한 전자금융거래에 적용할 수 있는 범용(General-purpose) 이상거래 탐지 기술 연구에 큰 도움이 될 것으로 기대된다.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.29 no.1
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• pp.149-164
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• 2019

Digital Transformation and the Fourth Industrial Revolution, electronic financial services should be provided safely in accordance with rapidly changing technology changes in the times of change. However, telecommunication finance fraud (voice phishing) accidents are currently ongoing, and various efforts are being made to eradicate accidents such as legal amendment and improvement of policy system in order to cope with continuous increase, intelligence and advancement of accidents. In addition, financial institutions are trying to prevent fraudulent accidents by improving and upgrading the abnormal financial transaction detection system, but the results are not very clear. Despite these efforts, telecommunications and financial fraud incidents have evolved to evolve against countermeasures. In this paper, we propose an intelligent over - the - counter financial transaction system modeled through scenario - based Rule model and artificial intelligence algorithm to prevent financial transaction accidents by voice phishing. We propose an implementation model of artificial intelligence abnormal financial transaction detection system and an optimized countermeasure model that can block and respond to analysis and detection results.

• Proceedings of the Korea Information Processing Society Conference
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• 2015.10a
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• pp.661-663
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• 2015

인터넷의 모바일화에 따른 스마트폰 이용자의 증가는 모바일 기반의 다양한 서비스가 개발 보급되는 환경을 제공하였다. 그 중에서도 모바일 폰을 사용한 결제 서비스는 결제의 편리성이라는 이점으로 활성화 되고 있지만, 편리한 만큼 보안의 취약성을 가질 수 있다는 단점이 있다. 특히, 초기에 모바일 기반 소액결제 서비스가 활성화 되면서, 스미싱으로 인한 이용자 피해가 사회문제로 대두되면서 이를 해결하기 위한 대안들이 제시되었다. 전자금융거래로 인한 금전적 피해는 카드사에서 이미 진행되고 있었으며, 최근에는 이용자의 피해를 최소화하기 위해서 은행, 증권사에도 이상금융거래 탐지 시스템(FDS) 구축을 규제하고 있다. 이에, 논문에서는 모바일 소액결제 서비스 환경에서의 이상금융거래 탐지를 위한 시스템 개발에 대한 연구 방향에 대해서 제시하고자 한다.

• Proceedings of the Korean Institute of Information and Commucation Sciences Conference
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• 2015.05a
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• pp.219-221
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• 2015

스마트폰의 확산으로 금융관련 결제는 어디서나 가능하게 되었기에 편리함이 증가하였다. 하지만, 위와 같은 편리함과 동시에 사용자의 단말이 해커의 공격에 취약하거나 분실할 경우 심각한 문제가 된다. 따라서, 위와 같은 부정행위가 있을 경우 이를 자동으로 탐지하는 시스템이 필요하다. 그러므로, 본 논문은 이러한 문제점을 고려하여 스마트폰을 이용한 금융업무를 처리할때 GPS정보를 적용한 이상금융거래탐지시스템(Fraud Detection System) 모델을 제안한다.

• The Journal of the Institute of Internet, Broadcasting and Communication
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• v.16 no.6
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• pp.255-264
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• 2016

Due to the development of information and communication technology, the great change on economics has grown and the biggest change is the e-commerce. With the methods of electronic financial frauds becoming advanced, reported phishing incidents have greatly increased. The Fraud Detection System(hereafter FDS) has taken effect to prevent electronic financial frauds, but economic losses still occurring. This Paper aims to analyze the financial environment, financial information technology environment, financial information technology security environment and some features of the institutional changes. In order to supplement the defect of FDS, it gives some recommendations for the improvement of the effective FDS Management System and information sharing on frauds with some public institution and a major consideration for collection or utilization of personal information.