Abstract: With the popularity of smartphones and mobile Internet, more and more institutions, organizations and individuals have needs that through intelligent terminal and mobile Internet to deal with financial business. However, because of the complexity of the mobile Internet transactions and security issues intelligent terminal itself, trading information security have been increasingly serious threat, and may produce unpredictable economic losses. This article describes the mobile financial transactions as a whole, the proposed transaction scenario as the core to assist on the technology of artificial intelligence and big data to establish a hierarchical risk index evaluation system, and its application to Gui Yang Mobile Bank applied in the system.

Key words: artificial intelligence, risk quantification, biometric, mobile financial, intelligent digital decision

摘要： 随着智能手机的普及以及移动互联网时代的来临，越来越多的机构、组织以及个人用户有了通过移动智能终端及移动互联网处理金融业务的需求．但是，由于移动互联网交易情况的复杂性以及智能终端本身可能存在的安全漏洞，交易信息安全遭到日益严重的威胁，并可能产生难以预料的经济损失．描述了以移动金融交易为一个整体，提出以交易场景为核心以人工智能及大数据技术为辅助，建立层次化的风险指标评估体系，并将其应用于贵阳银行手机银行（爽爽Bank）应用系统中．

关键词: 人工智能, 风险量化, 生物识别, 移动金融, 智能决策