Identity Crime Detection for Multiple Applications

Abstract

Credit card fraud is an element of identity fraud. Information on the card can be used and other identity crime can arise. Protect from miss using signature on the back of a credit card which is stolen, giving a credit card to a friend or family member can cause someone to obtain details which they need to open other credit card accounts or bank accounts with the victim’s name. Credit applications are costumer request f o r smart c1ards, mortgage loans, and personal loans. This can be of the paper work or internet base form. Credit application fraud is a type of fraud which includes synthetic identity fraud and real identity theft. This paper contents addition of two layers: communal detection (CD) and spike detection (SD) [4]. CD checks for social relationships to reduce the suspicion score, and it is not effected by synthetic identity. Whitelist-oriented approach is used on fixed set of attributes. SD increases the suspicion by duplicating on certain attributes. Attribute-oriented approach is used on variable-size set of attributes,