A study on A new bank card operation model——dualaccount card
With GDP per capita growing steadily in Chinas large and medium cities, credit consumption steps into its rapid growth period. Base on an analysis of current bank card business model and its data processing flow, a novel operation model- dualaccount card model is proposed. This model is a financial transaction security solution with good usability. To be compatible with current bank card system, it also enjoys a low upgrading cost. Dual-account card model allows 2 accounts in 1 card: the basic account is an income account; the external account is an expenditure account and the only account at risk. In an case study, some credit cards with their transaction records are randomly selected to build a data cube, in which, 5 customer groups with notable features are found by clustering. For each group, a new operating strategy is proposed to make this business more profitable.
Dual-account Card Bank Card Security Mechanism Mitigate Risks Fund Pool Operation Cost
XIN YI GUAN LILI PANYAN
Department of Information Management Shanghai Finance University Shanghai,China School of Public Economics and Administration,Shanghai University of Finance and Economics Shanghai,
国际会议
The 6th International Forum on Strategic Technology(IFOST 2011)(第六届国际战略技术论坛)
哈尔滨
英文
648-651
2011-08-22（万方平台首次上网日期，不代表论文的发表时间）