政大機構典藏-National Chengchi University Institutional Repository(NCCUR):Item 140.119/136727

政大機構典藏-National Chengchi University Institutional Repository(NCCUR):Item 140.119/136727

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政大典藏 > College of Commerce > MBA Program > Theses > Item 140.119/136727

Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/136727

Title:	數位支付-信用卡防盜偵測與概念飄移 Digital Payment-Credit Card Fraud Detection and Concept Drift
Authors:	許勝翔 Hsu, Sheng-Hsiang
Contributors:	莊皓鈞彭朱如 Chuang, Hao-Chun Peng, Chu-Ju 許勝翔 Hsu, Sheng-Hsiang
Keywords:	概念飄移數位支付信用卡盜刷 Concept Drift Digital Payment Credit Card Fraud Detection
Date:	2021
Issue Date:	2021-08-04 16:37:14 (UTC+8)
Abstract:	近年來隨著金融科技日新月異，支付行為也從傳統的實體貨幣，改為線上支付，科技的發展提升消費者購物體驗以及企業競爭力，然而金融相關犯罪如駭客、個資剽竊也越來越常見，其中信用卡盜刷，是最常見、最麻煩的問題。近期大數據分析、機器學習、演算法等領域的日漸成熟，使得銀行端與支付端對於盜刷行為有更好的預測能力。本文擬探討近年來信用卡防盜模式的建立過程及商業價值過去在信用卡欺詐領域有很多研究但是防盜專案的建立非常複雜，每一個過程都有很多細節需要注意最困難的部分是每天都有數以萬計的最新信用卡消費數據當數據不是靜態分析而是動態分析時，會延伸出許多問題降低模型的預測能力這便是資訊領域中的概念漂移。過去多數論文都是以靜態資料為主，來研究不同模型和演算法之間的差異。本研究以概念飄移現象為主軸，分析專案流程中各個階段常見的問題，並提出動態資料發生概念漂移的解決方法例如TWB移動窗格預測模型。透過流程觀的呈現與說明，幫助非技術背景的管理者更理解信用卡防盜專案的內容，提升模型效果的同時，降低後續人力維護的成本，為企業帶來更多商業價值。 In recent years, with the rapid development of financial technology, payment behavior has changed from traditional physical currency to digital payment. However, technological development not only has a positive impact on society, financial-related crimes such as hacking and personal information plagiarism are becoming more and more common. Among them, credit card fraud is the most common and troublesome problem. Recently, maturity of big data analysis, machine learning, algorithm and other fields has enabled banks to have a better ability to predict fraudulent behaviors. This paper intends to discuss the establishment process and commercial value of credit card fraud detection project in recent years. There have been many studies in the field of credit card fraud in the past, however, the establishment of the entire project is very complicated. There are many details to pay attention to in each process. The most difficult part is that there are tens of thousands of the latest credit card consumption data every day. When the data is not static analysis but dynamic, many problems will extend to reduce the predictive power of the model. This effect called concept drift in the information field. In the past, most of the papers focused on static data to study the differences between different models and algorithms. This research analyzes the common problems at each stage of the project process, and proposes a solution to the concept drift of dynamic data, helping managers with non-technical backgrounds better understand the content of the credit card fraud detection project.
Reference:	卡優新聞網，2020。2019信用卡盜刷14億，超過9成來自網路交易。上網日期2021年5月20日。檢自:https://www.cardu.com.tw/news/detail.php?40676 詩伊，2018。行動支付？第三方支付？電子支付？別搞混了它們三個都不一樣! 上網日期2021年5月20日。檢自:https://agirls.aotter.net/post/54383 趨勢科技，2020。懷疑信用卡遭盜刷怎麼辦? 上網日期2021年5月22日。檢自: https://blog.trendmicro.com.tw/?p=64761 CSDN博客，2016。壹讀: 增強學習、增量學習、遷移學習——概念性認知。上網日期2021年6月12日。檢自: https://read01.com/zhtw/E7AeON.html#.YOgHZegzZPY David Huang，2018。大鼻觀點: 不平衡資料的二元分類，選擇正確的衡量指標。上網日期2021年6月10日。檢自: https://taweihuang.hpd.io/2018/12/28/imbalanced-data-performance-metrics/ Abdallah, A., M. A. Maarof and A. Zainal .2016. Fraud detection system: A survey. Journal of Network and Computer Applications, 68: 90-113. Douillard, A., Cord, M., Ollion, C., Robert, T., & Valle, E. 2020. Podnet: Pooled outputs distillation for small-tasks incremental learning. Computer vision-ECCV 2020-16th European conference, Glasgow, UK, August 23-28, 2020, Proceedings, Part XX. Elkan, C. 2001. The foundations of cost-sensitive learning. Paper presented at the International joint conference on artificial intelligence. Fu, K., D. Cheng, Y. Tu and L. Zhang. 2016. Credit card fraud detection using convolutional neural networks. International Conference on Neural Information Processing, Springer. Fernández, A., S. García, M. Galar, R. C. Prati, B. Krawczyk and F. Herrera. 2018. Cost-sensitive learning. Learning from Imbalanced Data Sets, Springer: 63-78. Hinton, G. E. and R. R. Salakhutdinov. 2006. Reducing the dimensionality of data with neural networks. science ,313(5786): 504-507. Kaur, P., & Gosain, A. 2018. Comparing the behavior of oversampling and undersampling approach of class imbalance learning by combining class imbalance problem with noise. In ICT Based Innovations (pp. 23-30): Springer. Mangala, D., & Kumari, P. 2015. Corporate fraud prevention and detection: Revisiting the literature. Journal of Commerce & Accounting Research, 4(1), 35-45. Makki, S., Assaghir, Z., Taher, Y., Haque, R., Hacid, M.-S., & Zeineddine, H. 2019. An experimental study with imbalanced classification approaches for credit card fraud detection. IEEE Access, 7, 93010-93022. Ma, T., S. Qian, J. Cao, G. Xue, J. Yu, Y. Zhu and M. Li. 2019. An Unsupervised Incremental Virtual Learning Method for Financial Fraud Detection. 2019 IEEE/ACS 16th International Conference on Computer Systems and Applications (AICCSA), IEEE. Niu, X., L. Wang and X. Yang. 2019. A comparison study of credit card fraud detection: Supervised versus unsupervised. arXiv preprint arXiv: 1904.10604. Şahin, Y. G. and E. Duman. 2011. Detecting credit card fraud by decision trees and support vector machines. Shah, A. D., J. W. Bartlett, J. Carpenter, O. Nicholas and H. Hemingway. 2014.Comparison of random forest and parametric imputation models for imputing missing data using MICE: a CALIBER study. American journal of epidemiology, 179(6): 764-774. Somasundaram, A. and S. Reddy. 2019. Parallel and incremental credit card fraud detection model to handle concept drift and data imbalance. Neural Computing and Applications, 31(1): 3-14. Viegas, J. L., Cepeda, N. M., & Vieira, S. M. 2018. Electricity fraud detection using committee semi-supervised learning. International Joint Conference on Neural Networks (IJCNN). West, J. and M. Bhattacharya. 2016. Intelligent financial fraud detection: a comprehensive review. Computers & security, 57: 47-66.
Description:	碩士國立政治大學企業管理研究所(MBA學位學程) 108363067
Source URI:	http://thesis.lib.nccu.edu.tw/record/#G0108363067
Data Type:	thesis
DOI:	10.6814/NCCU202101128
Appears in Collections:	[MBA Program] Theses

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