The advent of cardless artificial intelligence (AI) banking heralds a paradigm shift in the financial landscape, offering users unprecedented security and convenience. This paper outlines a comprehensive framework designed to enhance cybersecurity, introduce auto-generated virtual cards, and mitigate fraud risks within cardless AI banking systems. The framework envisions a future banking architecture that employs AI-powered data cryptography to create secure virtual cards for seamless transactions. By emphasizing secure communication channels, it ensures the integrity of financial activities among banking systems, cardholders, and third-party vendors. AI-based authorization methodologies play a pivotal role in authenticating each transaction while proactively identifying potential fraud, demonstrating the framework's efficacy in fortifying cardless AI banking security. The initial approach, featuring an AI-driven, feature-based banking system, ensures the generation of virtual cards with encrypted data, minimizing information exposure and reducing fraud risks. Integrating a machine learning algorithm adds an additional layer of protection against potential fraudulent activities. In conclusion, the proposed framework establishes a holistic cybersecurity and fraud-mitigation paradigm for cardless AI banking systems. Its implementation empowers financial institutions to address security concerns associated with traditional banking, paving the way for a future banking landscape that is not only fraud-resistant but also secure and convenient for users.

翻译：无卡人工智能（AI）银行业的兴起标志着金融领域的一场范式转变，为用户带来了前所未有的安全性与便捷性。本文提出了一套综合框架，旨在增强网络安全、引入自动生成的虚拟卡，并降低无卡AI银行系统中的欺诈风险。该框架设想了一种未来银行架构，采用基于AI的数据加密技术创建安全的虚拟卡，实现无缝交易。通过强调安全通信渠道，它确保了银行系统、持卡人及第三方供应商之间金融活动的完整性。基于AI的授权方法在验证每次交易的同时主动识别潜在欺诈行为中发挥关键作用，证明了该框架在加强无卡AI银行安全性方面的效能。初始方法采用基于AI的特征驱动银行系统，确保生成带有加密数据的虚拟卡，从而最小化信息暴露并降低欺诈风险。集成机器学习算法为抵御潜在欺诈活动提供了额外保护层。最后，所提出的框架为无卡AI银行系统建立了全面的网络安全与欺诈缓解范式。其实施使金融机构能够解决与传统银行相关的安全担忧，为未来既具抗欺诈性又安全便捷的银行业格局铺平了道路。