标题： 卡交易资金流动的拓扑结构 显示英文标题

标题： The topology of card transaction money flows

摘要： 货币流动模型是理解不同经济现象的重要工具，如储蓄倾向和财富分布。 尽管它们非常重要，但大多数模型都是基于具有简单拓扑结构的合成交易网络，例如随机或无标度网络，因为真实网络的表征由于资金交易数据的保密性和敏感性而变得困难。 在这里，我们分析了一家全球最大银行的真实信用卡交易创建的拓扑结构，并展示了不同的分布，例如每张卡的交易次数或金额，具有非平凡的特征。 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真实的货币流动模型。 显示英文摘要

摘要： 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.