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arXiv · 2501.07033

Detection of AI Deepfake and Fraud in Online Payments Using GAN-Based Models

Zong Ke·Shicheng Zhou·Yining Zhou·Chia Hong Chang·Rong Zhang
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Abstract

This study explores the use of Generative Adversarial Networks (GANs) to detect AI deepfakes and fraudulent activities in online payment systems. With the growing prevalence of deepfake technology, which can manipulate facial features in images and videos, the potential for fraud in online transactions has escalated. Traditional security systems struggle to identify these sophisticated forms of fraud. This research proposes a novel GAN-based model that enhances online payment security by identifying subtle manipulations in payment images. The model is trained on a dataset consisting of real-world online payment images and deepfake images generated using advanced GAN architectures, such as StyleGAN and DeepFake. The results demonstrate that the proposed model can accurately distinguish between legitimate transactions and deepfakes, achieving a high detection rate above 95%. This approach significantly improves the robustness of payment systems against AI-driven fraud. The paper contributes to the growing field of digital security, offering insights into the application of GANs for fraud detection in financial services. Keywords- Payment Security, Image Recognition, Generative Adversarial Networks, AI Deepfake, Fraudulent Activities

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Zong Ke, Shicheng Zhou, Yining Zhou, Chia Hong Chang, Rong Zhang. 2025-12-31. Detection of AI Deepfake and Fraud in Online Payments Using GAN-Based Models. https://doi.org/10.1109/icaace65325.2025.11020513

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