🛡️ SBI Credit Card Fraud Detection System

🤖 1️⃣ Real-Time Transaction Monitoring

Every transaction is checked instantly using risk engines.

The system looks for:
✔ Unusual location (sudden foreign or far-away use)
✔ Abnormally high value purchase
✔ Rapid multiple transactions
✔ Suspicious merchant category
✔ Pattern mismatch with your past spending

If risk is high → transaction may be declined or flagged.

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📩 2️⃣ Instant Alerts to You

You receive real-time:

✔ SMS alerts
✔ Email alerts
✔ App notifications

So you can immediately spot unauthorized activity.

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🚫 3️⃣ Auto Card Blocking on Suspicion

If the system detects strong fraud indicators:

✔ Card may be temporarily blocked
✔ International transactions may be stopped
✔ Online usage may be disabled

You’ll be notified and asked to confirm activity.

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🔐 4️⃣ Multi-Layer Authentication

For most online transactions in India:

✔ OTP verification required
✔ CVV required
✔ Card details + mobile verification

Without OTP → payment cannot complete.

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🌍 5️⃣ Usage Controls (You Control Security)

Through SBI Card app or website you can:

✔ Turn ON/OFF online transactions
✔ Enable/disable international usage
✔ Set spending limits
✔ Temporarily block card
✔ Control contactless payments

This is one of the strongest user-level protections.

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🧾 6️⃣ Dispute & Chargeback Protection

If fraud happens:

✔ Report within prescribed time
✔ Bank investigates transaction
✔ Amount may be reversed if unauthorized
✔ Liability limited if reported quickly

Consumer protection follows RBI guidelines.