AI-Based UPI Fraud Detection Using Machine Learning and Real-Time Analysis

Abstract: The rapid adoption of Unified Payments Interface (UPI) has revolutionized digital transactions in India. However, this growth has also led to an increase in fraudulent activities such as phishing, fake payment requests, and unauthorized transactions. Traditional fraud detection systems are often reactive and fail to prevent fraud in real time.

This paper presents an AI-based UPI fraud detection system that uses machine learning techniques to identify suspicious transactions before they are completed. The system analyzes transaction patterns, detects anomalies, and generates real- time alerts for users. A web-based dashboard provides users with insights into their transaction behavior, while Firebase ensures real-time data synchronization and scalability. The proposed system focuses on proactive fraud prevention, improving user trust and enhancing the security of digital payment systems.

Keywords: UPI, Fraud Detection, Machine Learning, Real-Time Analysis, AI, Firebase.