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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

As the financial industry becomes more interconnected and reliant on digital systems, fraud detection systems must evolve to meet growing threats. Cloud-enabled Transformer models present a transformative opportunity to address these…

Computational Engineering, Finance, and Science · Computer Science 2025-02-03 Tingting Deng , Shuochen Bi , Jue Xiao

Fraud detection remains a challenging task due to the complex and deceptive nature of fraudulent activities. Current approaches primarily concentrate on learning only one perspective of the graph: either the topological structure of the…

Machine Learning · Computer Science 2025-02-12 Haolin Li , Shuyang Jiang , Lifeng Zhang , Siyuan Du , Guangnan Ye , Hongfeng Chai

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

Credit card fraud causes significant financial losses and frequently occurs as fraud attack, defined as short-term sequence of fraudulent transactions associated with high transaction rates and amounts, business areas historically tied to…

Optimization and Control · Mathematics 2025-03-27 Alexander Stotsky

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

Credit card fraud has emerged as major problem in the electronic payment sector. In this survey, we study data-driven credit card fraud detection particularities and several machine learning methods to address each of its intricate…

Machine Learning · Computer Science 2020-10-14 Yvan Lucas , Johannes Jurgovsky

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

The rise of digital payments has accelerated the need for intelligent and scalable systems to detect fraud. This research presents an end-to-end, feature-rich machine learning framework for detecting credit card transaction anomalies and…

Credit card fraud is a major cause of national concern in the Nigerian financial sector, affecting hundreds of transactions per second and impacting international ecommerce negatively. Despite the rapid spread and adoption of online…

Machine Learning · Computer Science 2024-07-15 Jennifer Onyeama

The credit card has become the most popular payment method for both online and offline transactions. The necessity to create a fraud detection algorithm to precisely identify and stop fraudulent activity arises as a result of both the…

Artificial Intelligence · Computer Science 2023-03-14 AlsharifHasan Mohamad Aburbeian , Huthaifa I. Ashqar

Fraud detection systems (FDS) mainly perform two tasks: (i) real-time detection while the payment is being processed and (ii) posterior detection to block the card retrospectively and avoid further frauds. Since human verification is often…

Machine Learning · Computer Science 2022-04-12 Van Bach Nguyen , Kanishka Ghosh Dastidar , Michael Granitzer , Wissam Siblini

The expansion of the electronic commerce, together with an increasing confidence of customers in electronic payments, makes of fraud detection a critical factor. Detecting frauds in (nearly) real time setting demands the design and the…

Distributed, Parallel, and Cluster Computing · Computer Science 2017-09-27 Fabrizio Carcillo , Andrea Dal Pozzolo , Yann-Aël Le Borgne , Olivier Caelen , Yannis Mazzer , Gianluca Bontempi

Credit card fraud is a problem continuously faced by financial institutions and their customers, which is mitigated by fraud detection systems. However, these systems require the use of sensitive customer transaction data, which introduces…

Cryptography and Security · Computer Science 2022-11-15 David Nugent

For the highly imbalanced credit card fraud detection problem, most existing methods either use data augmentation methods or conventional machine learning models, while neural network-based anomaly detection approaches are lacking.…

Machine Learning · Computer Science 2022-06-30 Tungyu Wu , Youting Wang

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

The use of credit cards has become quite common these days as digital banking has become the norm. With this increase, fraud in credit cards also has a huge problem and loss to the banks and customers alike. Normal fraud detection systems,…

Machine Learning · Computer Science 2022-06-28 Bushra Yousuf , Rejwan Bin Sulaiman , Musarrat Saberin Nipun

Credit card fraud is an ongoing problem for almost all industries in the world, and it raises millions of dollars to the global economy each year. Therefore, there is a number of research either completed or proceeding in order to detect…

Machine Learning · Computer Science 2020-07-30 Yusuf Yazici

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

Machine learning and data mining techniques have been used extensively in order to detect credit card frauds. However purchase behaviour and fraudster strategies may change over time. This phenomenon is named dataset shift or concept drift…

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