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 losses. Some major challenges in credit card frauds involve the availability of public data, high class imbalance in data, changing nature of frauds and the high number of false alarms. Machine learning techniques have been used to detect credit card frauds but no fraud detection systems have been able to offer great efficiency to date. Recent development of deep learning has been applied to solve complex problems in various areas. This paper presents a thorough study of deep learning methods for the credit card fraud detection problem and compare their performance with various machine learning algorithms on three different financial datasets. Experimental results show great performance of the proposed deep learning methods against traditional machine learning models and imply that the proposed approaches can be implemented effectively for real-world credit card fraud detection systems.
翻译:由于这些欺诈行为,信用卡使用者对购买持犹豫不决,商人和金融机构都蒙受重大损失,信用卡欺诈方面的一些重大挑战涉及公共数据的可用性、数据的高档不平衡、欺诈的不断变化性质和大量虚假警报。机器学习技术已被用于侦查信用卡欺诈行为,但迄今没有能够提供效率很高的欺诈检测系统。最近深入学习的发展被用于解决各个领域的复杂问题。本文对信用卡欺诈检测问题的深层次学习方法进行了透彻的研究,并将其业绩与三种不同的金融数据集的各种机器学习算法进行比较。实验结果表明,针对传统的机器学习模式,拟议的深层次学习方法表现良好,意味着在现实世界的信用卡欺诈检测系统方面,拟议的方法可以有效地实施。