Multi-Layer AI Defense Models Against Real-Time Phishing and Deepfake Financial Fraud

Authors

  • Nagajayant Nagamani Engagement & Client Partner, Virtusa, USA. Author

DOI:

https://doi.org/10.63397/ISCSITR-IJBI_05_02_02

Keywords:

AI Security, Phishing Detection, Deepfake Fraud, Multi-layer Defense, Financial Cyberse-curity, Real-Time Threat Response, NLP, Adversarial Attacks, Fraudulent Identity Detec-tion, Behavioral AI

Abstract

The rise of AI-powered cyberattacks—especially deepfake-driven financial scams and sophisticated phishing schemes—demands an equally advanced defense paradigm. This research proposes a multi-layer AI defense model that integrates real-time threat detec-tion, behavioral analysis, adversarial learning, and biometric authentication to counter phishing and deepfake financial fraud. Drawing from both classical and modern machine learning models, the study explores hybrid architectures combining Natural Language Processing (NLP), Convolutional Neural Networks (CNNs), and Graph Neural Networks (GNNs). The system is tested against synthetic fraud scenarios, showing promising pre-cision, adaptability, and low false positives. This paper also presents a comprehensive literature review, architecture design, sequence diagrams, and comparative analysis to reinforce the effectiveness of multi-layered defense in real-world financial Systems.

References

Abdelhamid, N., Ayesh, A., & Thabtah, F. (2014). Phishing detection based on machine learning algorithms. Proceedings of the 2014 International Conference on Computer Systems and Technologies (CompSysTech), 111–117. https://doi.org/10.1145/2659532.2659649

Afchar, D., Nozick, V., Yamagishi, J., & Echizen, I. (2018). MesoNet: A Compact Facial Video Forgery Detection Network. arXiv preprint arXiv:1809.00888. https://arxiv.org/abs/1809.00888

Brown, T., Mann, B., Ryder, N., Subbiah, M., Kaplan, J., Dhariwal, P., ... & Amodei, D. (2020). Language Models are Few-Shot Learners. arXiv preprint arXiv:2005.14165. https://arxiv.org/abs/2005.14165

Buczak, A. L., & Guven, E. (2016). A survey of data mining and machine learning methods for cyber security intrusion detection. Information Sciences, 408, 45–65. https://doi.org/10.1016/j.ins.2017.04.023

Carcillo, F., Le Borgne, Y. A., Caelen, O., Bontempi, G. (2019). Combining unsupervised and supervised learning in credit card fraud detection. Information Sciences, 557, 317–331. https://doi.org/10.1016/j.ins.2019.06.030

Casino, F., Dasaklis, T. K., & Patsakis, C. (2019). A systematic literature review of blockchain-based applications: Current status, classification and open issues.

Telecommunications Systems, 71, 229–270. https://doi.org/10.1007/s11235-018-0481-2

Chesney, R., & Citron, D. (2019). Deep Fakes: A Looming Challenge for Privacy, Democracy, and National Security. California Law Review, 107(6), 1753–1819. https://doi.org/10.2139/ssrn.3213954

Dolhansky, B., Howes, R., Pflaum, B., Baram, N., & Ferrer, C. C. (2020). The Deepfake Detection Challenge Dataset. arXiv preprint arXiv:2006.07397. https://arxiv.org/abs/2006.07397

Jurgovsky, J., Granitzer, G., Ziegler, K., Calabretto, S., Portier, P.-E., He-Guelton, L., & Caelen, O. (2018). Sequence classification for credit-card fraud detection. Expert Systems with Applications, 100, 234–245. https://doi.org/10.1016/j.eswa.2018.01.037

Kietzmann, J., Lee, L., McCarthy, I. P., & Kietzmann, T. C. (2020). Deepfakes: Trick or treat? Business Horizons, 63(2), 135–146. https://doi.org/10.1016/j.bushor.2019.11.006

Ngai, E. W. T., Hu, Y., Wong, Y. H., Chen, Y., & Sun, X. (2011). The application of data mining techniques in financial fraud detection: A classification framework and an academic review of literature. Decision Support Systems, 50(3), 559–569. https://doi.org/10.1016/j.dss.2010.08.006

Rossler, A., Cozzolino, D., Verdoliva, L., Riess, C., Thies, J., & Nießner, M. (2019). FaceForensics++: Learning to detect manipulated facial images. IEEE International Conference on Computer Vision (ICCV), 1–11. https://doi.org/10.1109/ICCV.2019.00010

Sahu, T., Patel, S., & Pattanayak, B. K. (2020). Phishing Email Detection using Natural Language Processing Techniques. Procedia Computer Science, 167, 1001–1010. https://doi.org/10.1016/j.procs.2020.03.389

Zhou, X., & Zafarani, R. (2018). Fake News: A Survey of Research, Detection Methods, and Opportunities. arXiv preprint arXiv:1812.00315. https://arxiv.org/abs/1812.00315

Adebowale, M. A., Obiniyi, A., & Oyeleye, C. A. (2022). Intelligent phishing detection using deep contextual embeddings with transformer models. Journal of Cybersecurity and Information Management, 8(1), 23–38. https://doi.org/10.1007/s10207-021-00564-7

Downloads

Published

2024-07-10