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