الكشف عن الاحتيال في بطاقات الائتمان باستخدام نماذج التعلم الآلي: دراسة مراجعة

المؤلفون

  • المها هاشم الوادعي قسم تكنولوجيا المعلومات، جامعة العلوم والتكنولوجيا، صنعاء، اليمن
  • عبدالله حسين الحاشدي قسم نظم المعلومات، جامعة العلوم والتكنولوجيا، صنعاء، اليمن

DOI:

https://doi.org/10.59222/ustjet.4.1.5

الكلمات المفتاحية:

التعلم الآلي، كشف الاحتيال في بطاقات الائتمان، أساليب المحتالين، الاحتيال المالي

الملخص

لقد أدى التقدم في التكنولوجيا إلى ظهور المدفوعات الرقمية. نظرًا لأن معاملات بطاقات الائتمان أصبحت طريقة الدفع الأكثر شيوعًا واعتمد المحتالون أساليب متطورة بشكل متزايد، فقد أصبح اكتشاف المعاملات الاحتيالية أمرًا بالغ الأهمية بسبب الخسائر المالية التي يتكبدها كل من حاملي البطاقات والمؤسسات المالية. تهدف هذه الدراسة إلى مراجعة الأبحاث الحالية حول كشف الاحتيال في بطاقات الائتمان (CCFD) لتزويد الباحثين المستقبليين برؤى حول أحدث نماذج التعلم الآلي (ML) المطبقة في هذا المجال. تتبنى هذه الدراسة منهج مراجعة الأدبيات النقدية لاستكشاف وتحليل الدراسات الحالية. مع التقدم السريع في CCFD باستخدام نماذج ML، والتي عالجت العديد من التحديات في هذا المجال، أصبح من الصعب بشكل متزايد تحديد التقنيات التي تساهم بشكل كبير في تطويرها، فضلا عن الفجوات البحثية التي تتطلب مزيدا من البحث. ولذلك، تحدد هذه المراجعة 20 مقالة بحثية منشورة بين عامي 2022 و2025. ويضمن التركيز على الدراسات التي أجريت خلال السنوات الأربع الماضية تغطية التطورات الحديثة وأحدث التقنيات. تسلط نتائج هذه المراجعة الضوء على نماذج ML  ومجموعات بيانات CCFD الأكثر فعالية، وتحدد الفجوات البحثية الرئيسية، وتحدد مقاييس التقييم الرئيسية المستخدمة في مجال CCFD، وبالتالي دعم الدراسات المستقبلية.

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التنزيلات

منشور

2026-06-24

إصدار

القسم

Articles

كيفية الاقتباس

[1]
الوادعي ا. ه. و الحاشدي ع. ح., "الكشف عن الاحتيال في بطاقات الائتمان باستخدام نماذج التعلم الآلي: دراسة مراجعة", UST J Eng Tech, م 4, عدد 1, ص 121–144, يونيو 2026, doi: 10.59222/ustjet.4.1.5.

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