# Are You for Real? Detecting Identity Fraud via Dialogue Interactions

## TL;DR

This paper introduces a novel interactive dialogue system utilizing knowledge graphs and dynamic question generation to detect identity fraud in loan applications, demonstrating improved accuracy and interpretability over rule-based methods.

## Contribution

The paper presents a new dialogue-based approach with a knowledge graph and dynamic question management for effective identity fraud detection.

## Key findings

- Effective fraud detection with higher accuracy than rule-based systems
- Learned dialogue strategies are interpretable and adaptable
- System promotes real-world application potential

## Abstract

Identity fraud detection is of great importance in many real-world scenarios such as the financial industry. However, few studies addressed this problem before. In this paper, we focus on identity fraud detection in loan applications and propose to solve this problem with a novel interactive dialogue system which consists of two modules. One is the knowledge graph (KG) constructor organizing the personal information for each loan applicant. The other is structured dialogue management that can dynamically generate a series of questions based on the personal KG to ask the applicants and determine their identity states. We also present a heuristic user simulator based on problem analysis to evaluate our method. Experiments have shown that the trainable dialogue system can effectively detect fraudsters, and achieve higher recognition accuracy compared with rule-based systems. Furthermore, our learned dialogue strategies are interpretable and flexible, which can help promote real-world applications.