The topology of card transaction money flows
The topology of card transaction money flows
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DOI：
10.1016/j.physa.2016.06.091
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发表时间：
2016-02
影响因子：
3.3
通讯作者：
M. Zanin;D. Papo;M. Romance;R. Criado;S. Moral
中科院分区：
文献类型：
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作者：
M. Zanin;D. Papo;M. Romance;R. Criado;S. Moral
资金流动模型是理解不同经济现象的基本工具，比如储蓄倾向和财富分配。尽管它们很重要，但大多数都是基于具有简单拓扑结构的合成事务网络，例如。随机的或无标度的，因为真实网络的特征由于货币交易数据的机密性和敏感性而变得困难。在这里，我们对世界上最大的银行之一的真实信用卡交易创建的拓扑进行了分析，并展示了不同的分布，例如：每张卡的交易数量或金额，具有重要的特征。我们进一步描述了一个随机模型来创建交易数据集，从获得的分布中获取数据，这将使研究人员能够创建更现实的资金流动模型。
Money flow models are essential tools to understand different economical phenomena, like saving propensities and wealth distributions. In spite of their importance, most of them are based on synthetic transaction networks with simple topologies,e.g.random or scale-free ones, as the characterisation of real networks is made difficult by the confidentiality and sensitivity of money transaction data. Here, we present an analysis of the topology created by real credit card transactions from one of the biggest world banks, and show how different distributions,e.g.number of transactions per card or amount, have nontrivial characteristics. We further describe a stochastic model to create transactions data sets, feeding from the obtained distributions, which will allow researchers to create more realistic money flow models.