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Using wireless mobile terminals has become the mainstream of Internet transactions, which can verify the identity of users by passwords, fingerprints, sounds, and images. However, once these identity data are stolen, traditional information security methods will not avoid online transaction fraud. The existing convolutional neural network model for fraud detection needs to generate many derivative features. This paper proposes a fraud detection model based on the convolutional neural network in the field of online transactions, which constructs an input feature sequencing layer that implements the reorganization of raw transaction features to form different convolutional patterns. Its significance is that different feature combinations entering the convolution kernel will produce different derivative features. The advantage of this model lies in taking low dimensional and nonderivative online transaction data as the input. The whole network consists of a feature sequencing layer, four convolutional layers and pooling layers, and a fully connected layer. Verifying with online transaction data from a commercial bank, the experimental results show that the model achieves excellent fraud detection performance without derivative features. And its precision can be stabilized at around 91% and recall can be stabilized at around 94%, which increased by 26% and 2%, respectively, comparing with the existing CNN for fraud detection.

A Model Based on Convolutional Neural Network for Online Transaction Fraud Detection