Credit card fraud is an issue that has affected Indonesia payment system over a decade. Sometimes, the result of the fraud used for terrorism and other crimes. Financial loss is not the only problem that is affected caused by credit card fraud but also Indonesia images in international trade, e-commerce, and the merchant. Currently, a trusted and secured banking payment system is crucial for both customers and banks. The problem from credit card fraud dataset is the data have many features and imbalanced class, this problem leads the paper to propose undersampling technique and feature reduction methods. In this paper we proposed two stage-feature reduction technique because a stage feature reduction could not find the optimal features. On the other hands, we are also applied Instance Hardness Threshold sampling and Random undersampling to deal with imbalance data. The two-stage feature reduction is chosen to eliminate the ineffective feature that cannot eliminate using only one feature reduction. The model from the implemented machine learning methods is evaluated using accuracy, specificity, recall, and Matthews Correlation Coefficient. We implemented our proposed approaches in the ULB credit card fraud detection dataset. According to the result, the undersampling gives a boost in performances which improve the recall and MCC score, the IHT undersampling provide goods results, and in some cases, the result can predict all the test set correctly. However, the two-stages feature reduction fails to improve the accuracy, precision, recall, and MCC score. In one case, the method reduced the accuracy score to 0.302.
Cirebon mask is one of the intangible cultural heritage in Indonesia. It is one of the prominent cultural assets from Cirebon and becoming one of the identity Cirebon culture. However, the current condition people tend to forget the cultural asset and lack of help from the government makes the Cirebon mask become the third-rate assets. Our concern lays on the extinction of this Mask. We want to implement digitation and automatic identification using image processing techniques. In this paper, we applied the Convolutional Neural Network for Cirebon Mask classification.
The development of credit card use in Indonesia has not been matched by the security provided by credit card service providers. This resulted in significant losses both in terms of banking and customers. The difficulty in finding the characteristics of credit card fraud is one of the biggest challenges. Currently, many are developing machine learning models that can identify credit card fraud to help banks. Unfortunately, the model created is mostly biased towards the class which has more dominant data. This problem is caused by the imbalance of the data on the available dataset. In the previous research, Wang et al found the implementation of Focal loss in XGBoost improve the precision, recall of imbalanced data. However according to Qin et al, the parameter loss from Focal loss have poor judgement in several case of imbalanced data and to handle this weakness, they proposed Weighted -Cross Entropy Loss (W-CEL) loss in Focal loss. According to previous research, we propose a Modified Focal Loss method for Imbalanced XGBoost by entering another parameter from W-CEL loss to Focal Loss to improve the ability of Focal Loss. Focal loss itself is a method that is often used to give weight to classes that are often misinterpreted, so that with the use of imbalance parameters ( ) from W-CEL loss is expected to improve the weighted value of the Focal Loss. We tested our proposed method in credit card fraud dataset from Université Libre de Bruxelles (ULB) machine learning group. Our proposed method produced 100 % accuracy, 0.97 precision, 0.56 recall and 0.72 MCC score in scenario 1 with extreme imbalanced data, in scenario 2 with the mild imbalanced data, the result delivered 99% accuracy, 0.88 precision, 0.87 recall and 0.89 MCC and in scenario 3 with the medium imbalance data, the result delivered 100% accuracy, 0.97 precision score, 0.72 recall score and 0.83 MCC score. The results obtained in this study proved that the proposed method makes machine learning models valid and unbiased, especially in mild-imbalanced data. However, many improvements still need to be made to medium and extreme imbalanced data.
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