Fraud Detection Rules

Rules last updated: 08 Apr 2026, 18.37

AI Rules Health Summary

Perlu Perhatian

Sistem secara umum berjalan baik dengan overall FP rate 3.2%. Namun terdapat 3 aturan dengan false positive rate >60% dan 1 aturan yang tidak menangkap fraud terkonfirmasi dalam 30 hari terakhir. Terlihat peluang untuk menambah aturan baru di level switching lintas bank yang tidak terlihat oleh bank individual — khususnya pola card cloning dan ghost-merchant velocity.

Rekomendasi Prioritas

PERKUATConfidence 88%

Perkuat 'Channel Hop Pattern' — naikkan ke blokir otomatis

Detection score tertinggi (78) dengan FP rate rendah. Aman untuk perketat & langsung blokir saat terdeteksi.

↳Kurangi 8% false positive, naikkan deteksi fraud +5%

FP -8%TP +5%Z-score 3.1 · TP rate 29% · cross-channel velocity

TAMBAH BARUConfidence 91%

Naikkan 'Terminal Cluster Anomaly' ke aksi BLOCK lintas bank

Saat ini hanya REVIEW. Dengan perspektif lintas bank, pola ini indikator kuat skimming ring di banyak acquirer.

↳Tangkap +14% fraud skimming yang saat ini lolos

FP -3%TP +14%Cross-acquirer clustering · Benford deviation 0.31

PERKUATConfidence 84%

Perkuat 'Mule Chain Detection' — tambah parameter nominal

Detection score tinggi (76). Tambah parameter total nominal transfer untuk perketat tanpa naikkan FP signifikan.

↳Kurangi 6% false positive, naikkan deteksi mule +4%

FP -6%TP +4%Chain depth analysis · amount aggregation

AI EngineTerakhir analisis: 08 Apr 2026, 18.3718 fraud labeledCoverage: 7/8 patternsOverall FP Rate: 3.2%

via Alibaba Cloud Model Studio — Qwen-Plus

ID	Name	Channel	Score	Status	Health	FP
R-10001	Cross-Bank ATM Velocity	ATM	75	Active	● Menurun	31% ↑
R-10002	Night ATM Withdrawal Burst	ATM	70	Active	● Sehat	22% →
R-10003	Terminal Cluster Anomaly	ATM	65	Review	● Kritis	48% ↑
R-10004	QRIS Micro-Transaction Flood	QRIS	80	Active	● Sehat	18% ↓
R-10005	Ghost Merchant Detection	QRIS	82	Active	● Sehat	12% ↓
R-10006	QRIS Velocity Same-Merchant	QRIS	60	Review	● Kritis	73% ↑
R-10007	Channel Hop Pattern	DEBIT	78	Active	● Sehat	20% →
R-10008	Mule Chain Detection	DEBIT	76	Active	● Sehat	25% ↓
R-10009	Card Cloning Cross-Issuer	DEBIT	71	Active	● Menurun	34% ↑
R-10010	High-Value Payment Spike	PAYMENT	68	Active	● Menurun	41% ↑
R-10011	Dormant Account Reactivation	PAYMENT	55	Review	● Kritis	81% ↑
R-10012	e-Money Top-Up Anomaly	EMONEY	64	Active	● Sehat	29% →
R-10013	Round-Amount Transfer Pattern	PAYMENT	58	Active	● Menurun	52% ↑
R-10014	Geo-Velocity Impossible Travel	ATM	84	Active	● Sehat	9% ↓
R-10015	Jam Transaksi (Time-of-Day)	ATM	45	Review	● Kritis	67% ↑
R-10016	QRIS Static Code Reuse	QRIS	73	Active	● Sehat	28% →
R-10017	e-Money Reversal Abuse	EMONEY	67	Active	● Menurun	35% ↑
R-10018	Debit New-Device Spike	DEBIT	72	Active	● Sehat	23% ↓
R-10019	Payment Failed-Retry Pattern	PAYMENT	62	Active	● Menurun	49% ↑
R-10020	QRIS Cross-City Burst	QRIS	79	Active	● Sehat	19% →

Rule Effectiveness

Rule	Trig	Conf	FP
Dormant Account Reactivation	110	6	81% ↑
QRIS Velocity Same-Merchant	421	30	73% ↑
Jam Transaksi (Time-of-Day)	156	0	67% ↑
Round-Amount Transfer Pattern	240	18	52% ↑
Payment Failed-Retry Pattern	175	20	49% ↑
Terminal Cluster Anomaly	188	22	48% ↑