System for explainable credit card fraud detection with class balancing and feature attribution

Abstract

A system for explainable credit card fraud detection with class balancing and feature attribution, comprising a transaction data acquisition unit, a data preprocessing unit, a class balancing unit, a feature generation unit, a fraud scoring unit, and a feature attribution unit, wherein the system is configured to technically clean credit card transaction data, balance unbalanced fraud and non-fraud classes, generate transaction-related risk features, produce a fraud risk score, and provide decision-relevant feature contributions for each evaluated transaction.