Anti-fraud Research Advances on Digital Credit Payment.

The development of digital technology has accelerated the transformation of financial online payment methods, bringing convenience to payment but also increasing the hidden dangers of fraudulent transactions. Antifraud research is particularly essential to protect users' property and prevent financial crises. With the advancement of data governance and sharing technology, digital payment transaction data present new characteristics of massive, multi-source and heterogeneous. Integrating data intelligence technology based on big data and artificial intelligence into anti-fraud research has important theoretical research significance. The digital credit payment model formed by the full combination of credit card payment and digital payment has the most mature data accumulation and theoretical basis at present, providing the most ideal data resources and theoretical support for the research of anti-fraud models. Starting from the concept, this paper firstly introduces the definition, research difficulties, and data framework of the digital credit anti-fraud research problem in combination with the actual business scenarios in China. Secondly, based on the modeling strategy, the frontier progress of digital credit transaction anti-fraud research is reviewed from two aspects of data balance and model optimization. This paper focuses on the theoretical basis, applicable scenarios, and latest achievements of various machine learning algorithms and deep learning algorithms in anti-fraud research, and based on the above content, a comprehensive evaluation is made. Finally, combined with the research status and from the perspective of demand, this paper summarizes the three major hotspots including the generalization and interpretability of anti-fraud research, and the sensitivity to new fraudulent transaction models, and concludes with an outlook on future research directions. [ABSTRACT FROM AUTHOR]