金融科技AI：重塑金融服务新生态

实时欺诈检测解决方案

class FraudDetectionSystem:
    """金融欺诈实时检测系统"""
    
    def __init__(self, llm_api, risk_db):
        self.llm = llm_api
        self.risk_db = risk_db
        self.threshold = 0.85
        
    def analyze_transaction(self, transaction):
        """分析交易风险"""
        # 1. 特征提取
        features = self.extract_features(transaction)
        
        # 2. 历史行为分析
        user_profile = self.get_user_profile(transaction['user_id'])
        
        # 3. 异常检测
        anomaly_score = self.detect_anomaly(features, user_profile)
        
        # 4. LLM深度分析
        if anomaly_score > 0.6:
            risk_analysis = self.llm.analyze(f"""
            分析以下交易的风险：
            交易信息：{transaction}
            用户画像：{user_profile}
            异常得分：{anomaly_score}
            
            请评估：
            1. 欺诈可能性（0-1）
            2. 风险类型
            3. 建议措施
            """)
            
            return self.parse_risk_result(risk_analysis)
    
    def real_time_monitoring(self):
        """实时监控"""
        for transaction in self.transaction_stream():
            risk = self.analyze_transaction(transaction)
            
            if risk['score'] > self.threshold:
                self.trigger_alert(transaction, risk)
                self.block_transaction(transaction)
            elif risk['score'] > 0.6:
                self.flag_for_review(transaction, risk)

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