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Credit card fraud detection (CCFD) is a critical application of Machine Learning (ML) in the financial sector, where accurately identifying fraudulent transactions is essential for mitigating financial losses. ML models have demonstrated…

Cryptography and Security · Computer Science 2025-08-21 Jan Lum Fok , Qingwen Zeng , Shiping Chen , Oscar Fawkes , Huaming Chen

Adversarial attacks are a major concern in security-centered applications, where malicious actors continuously try to mislead Machine Learning (ML) models into wrongly classifying fraudulent activity as legitimate, whereas system…

Data economy relies on data-driven systems and complex machine learning applications are fueled by them. Unfortunately, however, machine learning models are exposed to fraudulent activities and adversarial attacks, which threaten their…

Machine Learning · Computer Science 2023-07-06 Danele Lunghi , Alkis Simitsis , Olivier Caelen , Gianluca Bontempi

We demonstrate the use of Adaptive Stress Testing to detect and address potential vulnerabilities in a financial environment. We develop a simplified model for credit card fraud detection that utilizes a linear regression classifier based…

Artificial Intelligence · Computer Science 2021-07-09 Khalid El-Awady

Credit cards play an exploding role in modern economies. Its popularity and ubiquity have created a fertile ground for fraud, assisted by the cross boarder reach and instantaneous confirmation. While transactions are growing, the fraud…

Cryptography and Security · Computer Science 2022-08-24 Gayan K. Kulatilleke

Machine learning has opened up new tools for financial fraud detection. Using a sample of annotated transactions, a machine learning classification algorithm learns to detect frauds. With growing credit card transaction volumes and rising…

Machine Learning · Computer Science 2022-08-26 Gayan K. Kulatilleke

Credit card frauds are at an ever-increasing rate and have become a major problem in the financial sector. Because of these frauds, card users are hesitant in making purchases and both the merchants and financial institutions bear heavy…

Machine Learning · Computer Science 2020-12-08 Thanh Thi Nguyen , Hammad Tahir , Mohamed Abdelrazek , Ali Babar

E-commerce platforms and payment solution providers face increasingly sophisticated fraud schemes, ranging from identity theft and account takeovers to complex money laundering operations that exploit the speed and anonymity of digital…

Artificial Intelligence · Computer Science 2026-01-12 Cooper Lin , Yanting Zhang , Maohao Ran , Wei Xue , Hongwei Fan , Yibo Xu , Zhenglin Wan , Sirui Han , Yike Guo , Jun Song

With the proliferation of various online and mobile payment systems, credit card fraud has emerged as a significant threat to financial security. This study focuses on innovative applications of the latest Transformer models for more robust…

Machine Learning · Computer Science 2024-11-13 Chang Yu , Yongshun Xu , Jin Cao , Ye Zhang , Yinxin Jin , Mengran Zhu

With the increase of credit card usage, the volume of credit card misuse also has significantly increased. As a result, financial organizations are working hard on developing and deploying credit card fraud detection methods, in order to…

Machine Learning · Computer Science 2019-12-09 Niloofar Yousefi , Marie Alaghband , Ivan Garibay

Deep Reinforcement Learning (DRL) has numerous applications in the real world thanks to its outstanding ability in quickly adapting to the surrounding environments. Despite its great advantages, DRL is susceptible to adversarial attacks,…

Machine Learning · Computer Science 2021-09-09 Inaam Ilahi , Muhammad Usama , Junaid Qadir , Muhammad Umar Janjua , Ala Al-Fuqaha , Dinh Thai Hoang , Dusit Niyato

Credit card is one of the most extensive methods of instalment for both online and offline mode of payment for electronic transactions in recent times. credit cards invention has provided significant ease in electronic transactions.…

Machine Learning · Computer Science 2024-09-23 Sourav Verma , Joydip Dhar

In recent years, financial fraud detection systems have become very efficient at detecting fraud, which is a major threat faced by e-commerce platforms. Such systems often include machine learning-based algorithms aimed at detecting and…

Cryptography and Security · Computer Science 2023-12-05 Chen Doytshman , Satoru Momiyama , Inderjeet Singh , Yuval Elovici , Asaf Shabtai

Machine learning models are increasingly used in fields that require high reliability such as cybersecurity. However, these models remain vulnerable to various attacks, among which the adversarial label-flipping attack poses significant…

Machine Learning · Computer Science 2023-10-18 Xinglong Chang , Gillian Dobbie , Jörg Wicker

This paper proposes a novel reinforcement learning (RL) framework for credit underwriting that tackles ungeneralizable contextual challenges. We adapt RL principles for credit scoring, incorporating action space renewal and multi-choice…

Reinforcement learning (RL) has achieved remarkable success in fields like robotics and autonomous driving, but adversarial attacks designed to mislead RL systems remain challenging. Existing approaches often rely on modifying the…

Machine Learning · Computer Science 2025-07-25 Junyong Jiang , Buwei Tian , Chenxing Xu , Songze Li , Lu Dong

Reinforcement learning (RL), in conjunction with attack graphs and cyber terrain, are used to develop reward and state associated with determination of optimal paths for exfiltration of data in enterprise networks. This work builds on…

Cryptography and Security · Computer Science 2022-04-26 Tyler Cody , Abdul Rahman , Christopher Redino , Lanxiao Huang , Ryan Clark , Akshay Kakkar , Deepak Kushwaha , Paul Park , Peter Beling , Edward Bowen

This study addresses the actual behavior of the credit-card fraud detection environment where financial transactions containing sensitive data must not be amassed in an enormous amount to conduct learning. We introduce a new adaptive…

Machine Learning · Computer Science 2021-08-09 Armin Sadreddin , Samira Sadaoui

The large variety of digital payment choices available to consumers today has been a key driver of e-commerce transactions in the past decade. Unfortunately, this has also given rise to cybercriminals and fraudsters who are constantly…

Machine Learning · Computer Science 2021-12-09 Siddharth Vimal , Kanishka Kayathwal , Hardik Wadhwa , Gaurav Dhama

Adversarial Malware Generation (AMG), the generation of adversarial malware variants to strengthen Deep Learning (DL)-based malware detectors has emerged as a crucial tool in the development of proactive cyberdefense. However, the majority…

Cryptography and Security · Computer Science 2024-02-06 Brian Etter , James Lee Hu , Mohammedreza Ebrahimi , Weifeng Li , Xin Li , Hsinchun Chen
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