| Summary: | 碩士 === 世新大學 === 資訊管理學研究所(含碩專班) === 97 === The trend of liberalization and internationalization on global financial market brings in booming development in credit market. In order to achieve high volume in issuing credit cards and be a leading role in the credit market, bank employees who issue credit cards trend to adopt more flexible standards when evaluating applicants’ qualifications. These situations may accelerate the ratio of fraudulent applications and the existence of ghost accounts. Therefore, how to detect and prevent fraud case at the time of approval to reduce the risk of issuing credit cards becomes vital to banks.
The Rule-Based Expert Systems utilizes the technique of information system to construct an automatically evaluating system, to either assist with or replace the evaluation executed by professional workers. Through the strength of the Rule-Based Expert Systems to offset the weakness of manpower, it will effectively reduce the risk of issuing credit cards and achieve a better result of evaluation. At the same time, when applying the Service Oriented Architecture , we can utilize its characteristics of Loosely Coupled and Process Centric to help the issuing banks effectively integrate their internal business resources with the stages of its growth and present its competitive strength in today’s versatile and challenging business environments. In this thesis, I will utilize Web service as a tool and apply Service Oriented Architecture to construct Rule-Based Expert Systems and design “Credit Card Fraudulent Application Detecting System” to assist banks and satisfy its various needs in modern business environments.
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