IJSMT Journal

International Journal of Science, Strategic Management and Technology

An International, Peer-Reviewed, Open Access Scholarly Journal Indexed in recognized academic databases · DOI via Crossref The journal adheres to established scholarly publishing, peer-review, and research ethics guidelines set by the UGC

ISSN: 3108-1762 (Online)
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INTELLIGENT CREDIT CARD FRAUD DETECTION SYSTEM USING MACHINE LEARNING TECHNIQUES

AUTHORS:
Lakshana Shree U.M
Mentor
Vanitha K
Affiliation
Department of Computer Technology, Dr. N.G.P. Arts and Science College, Coimbatore, Tamil Nadu, India
CC BY 4.0 License:
This article is an open access article distributed under the terms and conditions of the Creative Commons Attribution (CC BY) license, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
Abstract

The rapid growth of digital payment systems has significantly increased the risk of credit card fraud. Financial institutions face major challenges in identifying fraudulent transactions due to the highly imbalanced nature of transaction data and the evolving strategies of fraudsters. Traditional rule-based detection systems are no longer sufficient to handle modern fraud patterns.This project presents a web-based Credit Card Fraud Detection System developed using Machine Learning techniques. The system analyzes transaction features such as Time, Amount, and anonymized variables (V1–V28) to classify transactions as legitimate or fraudulent. A supervised machine learning classification model is trained using a real-world dataset and deployed through a Flask-based web application. The system integrates an SQLite database to store transaction details and prediction results. The final application provides real-time fraud prediction with risk percentage, enabling better financial security and decision-making.The proposed system demonstrates how machine learning can be effectively integrated into a scalable web-based architecture for practical fraud detection applications.

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U.M, L. S. (2026). Intelligent Credit Card Fraud Detection System using Machine Learning Techniques. International Journal of Science, Strategic Management and Technology, 02(03). https://doi.org/10.55041/ijsmt.v2i3.216

U.M, Lakshana. "Intelligent Credit Card Fraud Detection System using Machine Learning Techniques." International Journal of Science, Strategic Management and Technology, vol. 02, no. 03, 2026, pp. . doi:https://doi.org/10.55041/ijsmt.v2i3.216.

U.M, Lakshana. "Intelligent Credit Card Fraud Detection System using Machine Learning Techniques." International Journal of Science, Strategic Management and Technology 02, no. 03 (2026). https://doi.org/https://doi.org/10.55041/ijsmt.v2i3.216.

References
[1] T. Albalawi, “Enhancing Credit Card Fraud Detection Using Machine Learning and Deep Learning Techniques,” Frontiers in Artificial Intelligence, 2025.

[2] N. Baisholan, “A Systematic Review of Machine Learning in Credit Card Fraud Detection,” Computers, vol. 14, 2024.

[3] “Benchmarking Machine Learning Techniques for Credit Card Fraud Detection,” Indian Journal of Science and Technology, 2023.

[4] F. Carcillo, A. Dal Pozzolo, Y.-A. Le Borgne, O. Caelen, Y. Mazzer, and G. Bontempi, “SCARFF: A Scalable Framework for Streaming Credit Card Fraud Detection,” Information Fusion, 2022.

[5] A. Dal Pozzolo et al., “Calibrating Probability with Undersampling for Unbalanced Classification,” IEEE Symposium Series on Computational Intelligence, 2021.

[6] V. N. Dornadula and S. Geetha, “Credit Card Fraud Detection Using Machine Learning Algorithms,” Procedia Computer Science, 2019.

[7] J. Jurgovsky et al., “Sequence Classification for Credit-Card Fraud Detection,” Expert Systems with Applications, 2018.

[8] A. Dal Pozzolo, O. Caelen, R. A. Johnson, and G. Bontempi, “Calibrating Probability with Undersampling for Unbalanced Classification,” IEEE Symposium on Computational Intelligence, 2017.

[9] A. C. Bahnsen, D. Aouada, A. Stojanovic, and B. Ottersten, “Feature Engineering Strategies for Credit Card Fraud Detection,” Expert Systems with Applications, 2016.

[10] A. Dal Pozzolo, O. Caelen, Y.-A. Le Borgne, S. Waterschoot, and G. Bontempi, “Learned Lessons in Credit Card Fraud Detection from a Practitioner Perspective,” Expert Systems with Applications, 2015.
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✓ All ethical standards met
This article has undergone plagiarism screening and double-blind peer review. Editorial policies have been followed. Authors retain copyright under CC BY-NC 4.0 license. The research complies with ethical standards and institutional guidelines.
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