Hybrid Algorithm for Naïve Bayes-Based Credit Card Fraud Detection

A new hybrid classification algorithm for customer churn prediction based on logistic regression and decision trees

ObjectiveThis study aimed to systematically identify risk factors for urinary catheter-related hematuria in patients with acute myocardial infarction (AMI). By integrating logistic regression and decision tree models, we sought to develop actionable strategies for risk stratification and complication prevention.MethodsA retrospective analysis of 209 AMI patients was conducted to evaluate predictors of hematuria, including demographics, coagulation indices (INR, platelets), and procedural variables. Logistic regression and decision tree (CART algorithm) models were employed to identify risk factors and their interactions. Model performance was assessed using ROC-AUC, sensitivity, and specificity.ResultsThe incidence of catheter-related hematuria was 32.5%. Both models identified persistent agitation during catheter indwelling and PLT ≤ 246 as common predictors. The logistic regression model specifically identified Gender (OR = 0.202), patient awareness of catheter purpose and precautions (OR = 0.470), and emergency catheter placement (OR = 2.257) as significant factors. The decision tree model uniquely identified INR > 0.955 and repeated complaints of urethral pain as predictors.ConclusionHematuria in AMI patients results from coagulation dysfunction, procedural trauma, and behavioral factors. The combined use of logistic regression and decision trees enhances risk stratification. Clinical strategies should prioritize gentle catheterization, dynamic coagulation monitoring, and patient education to reduce complications.

The use of credit cards for electronic commerce purposes has been on the increase in recent time. Credit card being the most acceptable and popular mode of payment, the number of fraud cases associated with it is also on the rise. As a result of the extensive nature of credit card transaction details, it is challenging to identify fraud in a credit card system in recent years, which implies that the identification of credit cards' fraud accurately, quickly, and effectively is a gray area of research. In this article, an automated template-based credit cards' fraud prediction (CCFP) model is developed using dynamic time warping (DTW) technique. This proposed CCFP technique is novel, as it has not been previously used to predict fraud in credit cards' systems. The performance of this proposed DTW-CCFP model is verified using the dataset that contains the credit card transactions of European cardholders. In addition, the performance of this proposed DTW-CCFP model is compared with three different machine learning (ML) prediction models: logistic regression (LR), decision tree (DT) and random forest (RF). The results were documented using two different performance metrics: sensitivity and false discovery rate (FDR). The proposed DTW-CCFP model outperforms the LR, DT and RF techniques. Of interest, the proposed DTW-CCFP model achieves this feat using a small portion (less than 5%) of the dataset to build the template in comparison to the LR, DT and RF techniques, which uses between 20%-30% of the dataset for training to achieve a fairly reasonable result

Abstract: With the increasing reliance on online transactions across sectors such as banking, telecommunications, insurance, and e-commerce, credit card fraud has emerged as a critical concern. The widespread use of electronic payment systems, particularly credit and debit cards, has made fraudulent activities more prevalent and sophisticated. Credit card fraud detection presents a complex classification problem that can be effectively addressed using machine learning (ML) techniques. This study explores the capabilities of ML algorithms in detecting fraudulent credit card transactions by examining both the challenges and opportunities in this domain. Adopting a mixed-method approach that combines a comprehensive literature review with experimental evaluation, the study investigates how past transaction data distinguishing between legitimate and fraudulent activities can be modeled to classify new transactions accurately. The research advocates for a progressive transition towards hybrid models that integrate machine learning with deep learning techniques to enhance the robustness and adaptability of fraud detection systems.

The growth and development of children under five (toddlers) affect their health conditions. Each region uniquely identifies the main factors influencing the toddler's health condition. The status of toddlers is generally categorized into two classes, namely normal and abnormal, so it is often found that the condition of toddler status is in the form of multi-response variables. Combining the two binary classes' response variables will form a multiclass response variable requiring different model development techniques and performance measurements. This study aims to determine the main factors that affect toddlers' health conditions in Malang, Indonesia, build multiclass logistic regression and decision tree classification models, and measure the model's performance. The Chi-square test selected predictor features as the input of multiclass logistic regression and decision tree models. From the feature selection, four main factors influence the status of toddlers' health conditions in Malang: the mother's history of diabetes before pregnancy, the father's blood pressure, psychological condition, and drinking water quality. The decision tree model performs better than the logistic regression model on the various performance measures used.

In today’s context, the term “fraud” has become closely intertwined with credit card-related deceit. Recent years have witnessed a notable surge in both credit card utilization and fraudulent activities. Detecting and thwarting fraud necessitates a meticulous analysis of customers’ spending patterns. The ubiquity of credit card use for both online and in-store transactions has un-fortunately led to a parallel rise in recognition valentine scam occurrences. While the primary area of deception discovery is the documentation of sham incidents, the urgency of promptly flagging such events cannot be overstated. The con-temporary landscape heavily favors credit card usage, a trend that inadvert-ently contributes to the annual expansion of fraudulent gains. This unlawful practice exerts a pernicious influence on the global economy at large, exac-erbating its impact year after year. Numerous cutting-edge methods, including as data mining, machine learning, fuzzy logic, genetic programming, sequence alignment, artificial intelligence, and fuzzy logic, have become indispensable in the fight against this threat when it comes to identifying credit card fraud. This study delves into the intricate integration of data mining methodologies, showcas-ing their robust potential to provide comprehensive coverage against fraudu-lent activities while maintaining a controlled balance between false alarms and detection accuracy. Within the financial sector, the challenge of credit card fraud detection remains both persistent and pressing. This paper intro-duces an innovative paradigm aimed at fortifying credit card fraud detection. This is achieved by synergistically harnessing the capabilities of the Artificial Underground Over-sampling Practice (SMOTE), the potency of Adaptive Increasing (ADABoost), and the privacy-enhancing attributes of Federated Learning. The incorporation of federated learning serves a dual purpose: not only does it address prevailing data privacy concerns, but it also significantly augments the precision of fraud detection across a diverse array of geograph-ically distributed data sources

Environmental Factors Prediction in Preterm Birth Using Comparison between Logistic Regression and Decision Tree Methods:  An Exploratory Analysis

In recent years, the prevalence of hand-foot-mouth disease (HFMD) in China and some other countries has caused worldwide concern. Mild cases tend to recover within a week, while severe cases may progress rapidly and tend to have bad outcome. Since there is no vaccine for HFMD and anti-inflammatory treatment is not ideal. In this study, we aimed to establish a valid forecasting model for severe HFMD using common laboratory parameters. Retrospectively, 77 severe HFMD cases from Zhengzhou Children's hospital in the peaking period between years 2013 to 2015 were collected, with 77 mild HFMD cases in the same area. The study recorded common laboratory parameters to assist in establishment of the severe HFMD model. After screening the important variables using Mann-Whitney U test, the study also matched the logistic regression (LR), discriminant analysis (DA), and decision tree (DT) to make a comparison. Compared with that of the mild group, serum levels of WBC, PLT, PCT, MCV, MCH, LCR, SCR, LCC, GLO, CK-MB, K, S100, and B in the severe group were higher (p < 0.05), while MCR, EOR, BASOR, SCC, MCC, EO, BASO, NA, CL, T, Th, and Th/Ts were lower (p < 0.05). Five indicators including MCR, LCC, Th, CK-MB, and CL were screened out by LR and the same for DA, and five variables including EO, LCC, CL, GLO, and MCC screened out by DT. The area under the curve (AUC) of LR, DA, and DT was 0.805, 0.779 and 0.864, respectively. The findings were that common laboratory indexes were effectively used to distinguish the mild HFMD cases and severe HFMD cases by LR, DA, and DT, and DT had the best classification effect with an AUC of 0.864.

Credit card fraud resulted in the loss of $3 billion to North American financial institutions in 2017. The rise of digital payments systems such as Apple Pay, Android Pay, and Venmo has meant that loss due to fraudulent activity is expected to increase. Deep Learning presents a promising solution to the problem of credit card fraud detection by enabling institutions to make optimal use of their historic customer data as well as real-time transaction details that are recorded at the time of the transaction. In 2017, a study found that a Deep Learning approach provided comparable results to prevailing fraud detection methods such as Gradient Boosted Trees and Logistic Regression. However, Deep Learning encompasses a number of topologies. Additionally, the various parameters used to construct the model (e.g. the number of neurons in the hidden layer of a neural network) also influence its results. In this paper, we evaluate a subsection of Deep Learning topologies — from the general artificial neural network to topologies with built-in time and memory components such as Long Short-term memory — and different parameters with regard to their efficacy in fraud detection on a dataset of nearly 80 million credit card transactions that have been pre-labeled as fraudulent and legitimate. We utilize a high performance, distributed cloud computing environment to navigate past common fraud detection problems such as class imbalance and scalability. Our analysis provides a comprehensive guide to sensitivity analysis of model parameters with regard to performance in fraud detection. We also present a framework for parameter tuning of Deep Learning topologies for credit card fraud detection to enable financial institutions to reduce losses by preventing fraudulent activity.

Credit card fraud has emerged as a significant issue within the digital payment framework due to an increase in online payments. This paper provides a fraud detection mechanism using ML and DL methods focusing on a hybrid model based on CNN and ANN. For the purpose of the research project, this study utilized the European credit card transaction dataset. They also utilized SMOTE for resolving any data imbalance which aided in efficient model fit, reliability and sensitive fraud detection. The proposed CNN-ANN model achieved an accuracy of 95.8%, which significantly improved on the baseline models of logistic regression and decision trees. The results show the hybrid deep learning method can reduce false negatives and ultimately improve the identification of fraudulent transactions in real time.

A form of cancer known as lung cancer usually appears in the cells that line the lungs' air passages. It is the primary cause of cancer-related deaths in both genders. Lung adenocarcinoma (LUAD) and squamous cell carcinoma (LUSC) are two separate types of non-small cell lung cancer (NSCLC). Recognition of the differentially expressed genes (DEGs) is necessary to distinguish between healthy and diseased states molecularly. Biomedical books and microarray investigations are two common places to find details concerning gene expression variations. A gene is said to be highly expressed if there is a significant statistical distinction or change in reading counts or expression level indices between two different experimental conditions. A good gene expression strategy leads to a good gene silencing strategy, which subsequently slows or stops the cancer progression. In this paper, we present a robust analysis of the mRNA data from the LUAD data to find the most differentially expressed genes. Then we employ several machine learning techniques to categorize the samples into the five stages of lung cancer. We investigated four distinct models; including linear regression, logistic regression, RANSAC regression, and decision trees. The models achieved 100%, 91%, 98%, and 100% accuracies for 12 differential expression genes using linear regression, logistic regression, RANSAC regression, and decision trees respectively. The logistic regression and decision trees achieved 100% and 98% accuracies for 5665 differential expression genes. The proposed models achieved the highest accuracies in comparison with the state-of-the-art models.KeywordsGene expressionDEGsLUADLung cancerClassificationMachine learningDecision treeRANSACLogistic regressionLinear regression

In today's socio-economic scenario, people rely heavily on credit cards.Moreover, credit cards are a requisite financial tool that enables its holders to make assets.It is true that credit cards, as a new method of payment, have become socially amenable to the masses.But nowadays, improvements in technology lead to growth in illegal activities.During credit card transactions many fraudsters can breach security and make fraudulent transactions to withdraw or transfer funds from one's account or e-wallets.The relevant literature presents many machine learning-based approaches for credit card detection, such as Logistic Regression, Decision Tree, CatBoost, Random Forest, Support Vector Machine, KNN, RNN, and CNN.The main focus has been to apply the recent development of deep learning algorithms for this purpose.Comparative analysis of both machine learning and deep learning algorithms was performed to find efficient outcomes.A machine learning algorithm was first applied to the dataset, which improved the accuracy of detection of the fraud to some extent.The proposed approaches can be implemented effectively for the real-world detection of credit card fraud.

Financial fraud is a serious threat that is expanding effects on the financial sector. The use of credit cards is growing as digitization and internet transactions advance daily. The most common issues in today's culture are credit card scams. This kind of fraud typically happens when someone uses someone else's credit card details. Credit card fraud detection uses transaction data attributes to identify credit card fraud, which can save significant financial losses and affluence the burden on the police. The detection of credit card fraud has three difficulties: uneven data, an abundance of unseen variables, and the selection of an appropriate threshold to improve the models' reliability. This study employs a modified Logistic Regression (LR) model to detect credit card fraud in order to get over the preceding difficulties. The dataset sampling strategy, variable choice, and detection methods employed all have a significant impact on the effectiveness of fraud detection in credit card transactions. The effectiveness of naive bayes, k-nearest neighbour, and logistic regression on highly skewed credit card fraud data is examined in this research. The accuracy of the logistic regression technique will be closer to 0.98%; with this accuracy, frauds may be easily detected. The fact that LR receives the highest classifier score illustrates how well LR predicts credit card theft.

Cognitive science is a technology which focuses on analyzing the human brain using the application of DM. The databases are utilized to gather and store the large volume of data. The authenticated information is extracted using measures. This research work is based on detecting the sarcasm from the text data. This research work introduces a scheme to detect sarcasm based on PCA algorithm, K-means algorithm, and ensemble classification. The four ensemble classifiers are designed with the objective of detecting the sarcasm. The first ensemble classification algorithm (SKD) is the combination of SVM, KNN, and decision tree. In the second ensemble classifier (SLD), SVM, logistic regression, and decision tree classifiers are combined for the sarcasm detection. In the third ensemble model (MLD), MLP, logistic regression, and decision tree are combined, and the last one (SLM) is the combination of MLP, logistic regression, and SVM. The proposed model is implemented in Python and tested on five datasets of different sizes. The performance of the models is tested with regard to various metrics.

The rise of financial fraud, not only in India but also around the world, is a major problem. Credit card transactions have been steadily increasing in recent years, as have internet payments like Unified Payments Interface and debit card transactions, which have been increasing every day. As a result, fraud is increasing, and it has become easier for fraudsters to commit fraud. Recent research indicates the practicality of machine learning algorithms for recognizing payment fraud. Since credit cards are a common target, online fraudsters simply commit fraud because of excess use of e-commerce and other platforms, which has led to an increase in online payment methods, resulting in a greater risk of online fraud. Many researchers have started using machine learning algorithms to detect fraud. The primary objective of this study is to create a better fraud detection algorithm by analyzing payment transactional data, focusing on customers' transactional data and their payment behavioral patterns. The study proposes a framework that groups cardholders based on the volume of their transactions. Financial fraud is the biggest threat to world economies in terms of financial losses each year. The task of accurately and efficiently detecting fraud is, therefore, very challenging due to the high volume of transaction data and its complex nature. This paper presents a hybrid machine learning approach using logistic regression, decision trees, and random forests that could help enhance the accuracy and reliability of fraud detection systems. The study used an available credit card fraud dataset, with a focus on feature engineering and model evaluation to compare individual algorithms versus their ensemble. Experimental results show that the ensemble outperformed the individual classifiers in terms of precision, recall, and overall accuracy. This paper underlines the potential of hybrid machine learning techniques in improving fraud detection systems and proposes avenues for further research.