Research Article
Facilitating User Authorization from Imbalanced Data Logs of Credit Cards Using Artificial Intelligence
Table 3
Attribute number, name, and definition of Dataset B (amount in New Taiwan or NT dollar).
| Attribute | Description |
| X1 | Credit amount | X2 | Gender of the borrower 1 for male 2 for female | X3 | Level of education 1 Graduate school 2 University 3 High school 4 Others 5/6 Unknown | X4 | Marital status of the borrower 1 Married 2 Single 3 Others | X5 | Age of the credit card holder (in years) | X6–X11 | PAY_1 to PAY_6: status of payment return in September to April 2005 | Paid on-time payment = −1 One-month payment delay = 1 Two-month payment delay = 2 . . . Nine or above months of payment delay = 9 | X12–X17 | BILL_AMT1-6: amount of bill for the months April to September 2005 | X18–X23 | PAY_AMT1-6: previous payment in April to September 2005 | X24 | Status as 1 for yes and 0 for no under the default payment |
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