隨著信用卡市場蓬勃發展，與信用卡使用方便且全球通行的特性，使的信用卡逐漸成為犯罪集團詐財的主要工具之一，而在台灣，偽造信用卡犯罪金額更呈現世界第一的高度成長率。
而傳統的信用卡詐欺檢測機制，都將發生無法有效處理 – 當持有偽卡者以合法消費行為進行消費時的詐欺行為。故本研究將以如何有效利用個人化消費行為來預測信用卡詐欺記錄的方式，來有效的解決此類問題。最後，並以實驗模擬的方式，證明此架構的可行性。

[蔡永恒00]蔡永恒，「應用資料挖掘技術研究銀行顧客消費行為」，靜宜大學資訊管理研究所，碩士論文，民國89年。
[ET00]鄭哲政，「信用卡面面觀之二 信用卡詐欺」東森新聞報，http://www.ettoday.com.tw/
[SINA00]陳宜芝，「信用卡犯罪區分八類 持卡人防範破招有術」，新浪網新聞報，http://news.sina.com.tw/，2000/10/03
[KIMO00]鄭哲政，「信用卡犯罪/今年盜刷金額 可能直攀25億元新高」，中時奇摩報，http://news.kimo.com.tw/，2000/10/18
[AGGR98]Agrawal, R., Gehrke, J., Gunopulos, D., Raghavan, P., “Automatic Subspace Clustering of High Dimensional Data for Data Mining Applications, ” In Proc. 1998 ACM-SIGMOD Int. Conf. Management of Data (SIGMOD’98), pages 94-105, Seattle, WA, June 1998
[EKSX96]Ester, M., Kriegel, H., Sander, J., Xu, X., “A Density-Based Algorithm for Discovering Clusters in Large Spatial Databases with Noise, ” In Proceedings of 2nd International Conference on Knowledge Discovery Databases and Data Mining, AAAI Press, Menlo Park, Calif., 1996. pp. 266-231
[GRS98]Guha, S., Rastogi, R., Shim K., “CURE: An Efficient Clustering Algorithm for Large Database, ” SIGMOD 98, Proceedings ACM SIGMOD International Conference on Management of Data, June 2-4, 1998, Seattle, Washington, USA.
[HK00]Han, J., Kamber, M., “Data mining: concepts and techniques,” Morgan Kaufmann Publishers, 2000.
[HDB96]Hanagandi, V., Dhar, A., Buescher, K., “Density-based clustering and radial basis function modeling to generate credit card fraud scores,” Computational Intelligence for Financial Engineering, 1996., Proceedings of the IEEE/IAFE 1996 Conference on , 1996 Page(s): 247 –251
[HK98]Hinneburg A., Keim D.A., “An Efficient Approach to Clustering in Multimedia Databases with Noise, ” Proc. 4rd Int. Conf. on Knowledge Discovery and Data Mining, New York, AAAI Press, 1998.
[KHK99]Karypis, G., Han, E.H., Kumar, V., “Chameleon: Hierarchical Clustering Using Dynamic Modeling, ” IEEE Computer: Special Issue on Data Analysis and Mining, vol. 32, no. 8, pp 68-75, August 1999
[KHK99]Karypis, G., Han, E.H., Kumar, V., “Chameleon: Hierarchical Clustering Using Dynamic Modeling,” IEEE Computer: Special Issue on Data Analysis and Mining, vol. 32, no.8, pp 68-75, August 1999
[NH94]Ng, R.T., Han, J., “Efficient and Effective Clustering Methods for Spatial Data Mining, ” Proc. of 1994 Int’l Conf. On Very Large Data Bases(VLDB’94), Santiago, Chile, September 1994, pp. 144-155.
[QJR86]Quinlan, J.R., “Induction of Decision Tree,” Machine learning, Vol.1, page 81, 1986, 81-106
[SCZ98]Sheikholeslami, G., Chatterjee, S., Zhang, A., “WaveCluster: A Multi-Resolution Clustering Approach for Very Large Spatial Databases, ” VLDB’98, Proceedings of 24th International Conference on Very Large Databases, August 24-27, 1998, New York City, New York, USA.
[SK00]Specht, G., Kahabka, T., “Information Filtering and Personalisation in Databases using Gaussian Curves” Database Engineering and Applications Symposium, 2000 International, 2000 ,Page(s): 16 –24
[SFLPC97]Stolfo, S., Fan, D., Lee, W., Prodromidis, A., Chan, P., “Credit Card Fraud Detection Using Mete-learning: Issues and Initial Results,” Working Notes AAAI-97, 1997
[SSMNH99]Sumi, K., Sumi, Y., Mase, K., Nakasuka, S., Hori, K., “Takealook: Personalizing Information Presentation According to User’s Interest Space” Systems, Man, and Cybernetics, 1999. IEEE SMC ’99 Conference Preceedings., 1999 Page(s): 354 –359 vol.2
[TM00]Terano, T., Murakami, E., “Finding Users’ Latent Interests for Recommenation by Learning Classifier Systems,” Knowledge-Based Intelligent Engineering Systems and Allied Technologies, 2000. Proceedings. Fourth International Conference on , Volume: 2 , 2000 ,Page(s): 651 -654 vol.2
[WYM97]Wang, W., Yang, J., Munts, R., “STING: Astatistical Information Grid Approach to Spatial Data Mining, ” In Proceedings of the 23rd VLDB Conference, pages 186-195, Athens, Greece, 1997.
[WA00]Wheeler, R., Aitken, S., “Multiple Algorithms for Fraud Detection,” Knowledge-Based Systems, Volume: 13, Issue: 2-3, April, 2000, pp.93-99.
[XEKS98]Xu, X., Ester, M., Kriegel, H.P., Sander, J., “A Distribution-Based Clustering Algorithm for Mining in Large Spatial Databases, ” In Proc. IEEE International Conference on Data Engineering, 1998.
[Yu99]Yu, P.S., “Data mining and personalization technologies,” Database Systems for Advanced Applications, 1999. Proceedings., 6th International Conference on , 1999 ,Page(s): 6 –13
[YHC96]Yu, P.S., Han, J., Chen, M.S. “Data mining: an overview from a database perspective,” Knowledge and Data Engineering, IEEE Transactions on , Volume: 8 Issue: 6 , Dec. 1996 ,Page(s): 866 -883
[ZRL96]Zhang, T., Ramakrishnan, R., Livny, M., “BIRCH: An Efficient Data Clustering Method for Very Large Database, ” In Proceedings of the 1996 ACM SIGMOD International Conference on Management of Data, pages 103-114, Montreal, Canada, 1996.