DOI: 10.5281/zenodo.7418457
title: Synthetic Data of Transactions for Inmediate Loans' Fraud

description: <strong>This dataset contains realistic synthetic data generated with a commercial tool, taking as an input a real dataset of CaixaBank’s express loans for a timespan of 18 months. The real dataset was tagged in order to identify the confirmed and tentative fraud cases in which a fraudster has impersonate the client to claim that type of loan and steal client’s funds. The dataset includes several indicators that help fraud analysts to identify any suspicious behaviour of the user that could imply an impersonation or misbehaviour. This dataset was used in INFINITECH H2020 project to build an AI model for cyberfraud prevention in this type of operations, which are especially critical because of two factors. First, it is type of loan, an operation in which the fraudster can steal money that the client does not really own, so it can be stolen even from clients without funds on their accounts. Second, it is an operation that was offered to the clients to speed up the process of acquiring loans of small amounts. The fraudsters can take profit of that and proceed faster as well stealing that money. The detail of the data fields included in the dataset is specified in the table below.</strong> <strong>Field name</strong> <strong>Value example</strong> <strong>Field description</strong> <strong>Fraud</strong> <strong>0</strong> <strong>Indicates if a fraud was produced in the operation. (0 No; 1 Intent of fraud; 2 Completed fraud -money stolen-)</strong> <strong>PK_ANYOMES </strong> <strong>202102</strong> <strong>Year and month of the loan constitution operation</strong> <strong>PK_ANYOMESDIA </strong> <strong>20210207</strong> <strong>Day of the loan constitution operation</strong> <strong>PK_TSINSERCION </strong> <strong>06:28,0</strong> <strong>Time of the loan constitution operation</strong> <strong>IDE_USUCLO_ORIG </strong> <strong>1321946400</strong> <strong>User associated with the online banking contract and the client. It is an internal user ID which is used jointly with PK_CONTRATO to access the services under the online banking contract.</strong> <strong>PK_CONTRATO </strong> <strong>1096097250023219464</strong> <strong>online banking contract code. It is the identifier of the online banking services.</strong> <strong>FK_NUMPERSO </strong> <strong>27388223</strong> <strong>Unique ID that identifies the physical person (client) who is connecting to online banking</strong> <strong>IDE_SAU </strong> <strong>08875268</strong> <strong>Identifier used by the client to access online banking. This identifier is used jointly with CARPETA id to access online banking services. </strong> <strong>CARPETA </strong> <strong>49830679</strong> <strong>Folder the online banking services of the clients are stored. It is used jointly with the client's online banking identifier (ID_SAU).</strong> <strong>FK_COD_OPERACION </strong> <strong>03693</strong> <strong>Loan constitution transaction code. Unique ID that identifies the loan.</strong> <strong>DES_OPERACION </strong> <strong>CONSTITUCION PRESTAMO</strong> <strong>Description of the loan constitution operation.</strong> <strong>IP_TERMINAL </strong> <strong>AAHUAWPOTLXYxgaNLC zWp70Yp+MaW2i1qEkh0o=</strong> <strong>IP of the terminal or hash of the mobile device from which the client connects to online banking.</strong> <strong>FK_NUMPERSO_TIT_LOE </strong> <strong>27388223</strong> <strong>Identifier of the physical person that is the online banking contract holder. It can be different to FK_NUMPERSO, if FK_NUMPERSO is an authorised person to operate the online banking services of FK_NUMPERSO_TIT_LOE. It can happen both for FK_NUMPERSO_TIT_LOE representing physical or legal persons (enterprises).</strong> <strong>FK_CONTRATO_PPAL_OPE </strong> <strong>1001037520210005473</strong> <strong>Contract code of the savings account in which the loan is deposited. This is not the same contract as the online banking contract.</strong> <strong>FK_IMPORTE_PRINCIPAL </strong> <strong>1500</strong> <strong>Loan amount demanded.</strong> <strong>IND_MFA_OPE</strong> <strong>0</strong> <strong>Indicator of the response of the SCA (Strong Customer Authentication) request decision algorithm for the loan consolidation operation. (0 No; 1 Yes; -1 Unknown)</strong> <strong>MESSAGE_MFA_OPE</strong> <strong>Konline bankingN USER AND DEVICE</strong> <strong>SCA (Strong Customer Authentication) request decision algorithm response message for loan consolidation operation.</strong> <strong>SALDO_ANTES_PRESTAMO</strong> <strong>100</strong> <strong>Balance of the account into which the loan is deposited just before the loan.</strong> <strong>POSICION_GLOBAL_ANTES_PRESTAMO</strong> <strong>1</strong> <strong>Global balance of the client before the loan. (1: &lt;1000; 2: 1000-10000; 3: 10000-50000; 4: 50000-250000; 5: &gt;250000; -2: Data not found)</strong> <strong>IND_NUEVO_IDE_SAU</strong> <strong>0</strong> <strong>If the identifier used to access online banking has been created in the last 48 hours. (0 No; 1 Yes; -1 Unknown)</strong> <strong>FECHA_ALTA_CLIENTE</strong> <strong>39246</strong> <strong>Indicate the date of registration with CaixaBank as a customer. When the physical person (FK_NUMPERSO) became a client of CaixaBank</strong> <strong>IND_ALTA_SIGN</strong> <strong>0</strong> <strong>Indicates if the client has registered a sign in the last 48 hours. (0 No; 1 Yes; -1 Unknown)</strong> <strong>IND_GMP_ANT</strong> <strong>0</strong> <strong>Indicates if there has been a new primary mobile assignment in the 48 hours prior to the loan. (0 No; 1 Yes; -1 Unknown)</strong> <strong>IND_INGRESO_NOMINA</strong> <strong>1</strong> <strong>Indicate if the payroll of FK_NUMPERSO is domiciled at CaixaBank. (0 No; 1 Yes)</strong> <strong>IND_PENSION</strong> <strong>0</strong> <strong>Indicate if FK_NUMPERSO has the pension domiciled in CaixaBank. (0 No; 1 Yes)</strong> <strong>IND_IMAGIN_BANK</strong> <strong>1</strong> <strong>Indicate if FK_NUMPERSO is ImaginBank customer (0 No; 1 Yes)</strong> <strong>IND_EXTRANJERO</strong> <strong>0</strong> <strong>Indicate if FK_NUMPERSO is a foreigner (0 National; 1 Foreigner)</strong> <strong>IND_RESIDENTE</strong> <strong>1</strong> <strong>Indicate if FK_NUMPERSO resides in Spain (0 No; 1 Yes)</strong> <strong>FK_TIPREL</strong> <strong>1</strong> <strong>Type of the ownership of the savings account in which the loan is deposited (values between 1 and 48). 1 means it is an account holder. Other values mean other type of relationships (i.e. "authorized person but not an owner of the account").</strong> <strong>FK_ORDREL</strong> <strong>1</strong> <strong>Order of the ownership relationship. If there are more than account holder, in which position is the FK_NUMPERSO.</strong>