Online financial services constitute an essential component of contemporary web ecosystems, yet their openness introduces substantial exposure to fraud that harms vulnerable users and weakens trust in digital finance. Such threats have become a significant web harm that erodes societal fairness and affects the well-being of online communities. However, existing detection methods based on graph neural networks (GNNs) struggle with two persistent challenges: (1) long-tailed data distributions, which obscure rare but critical fraudulent cases, and (2) fraud camouflage, where malicious transactions mimic benign behaviors to evade detection. To fill these gaps, we propose HIMVH, a Hippocampus-Inspired Multi-View Hypergraph learning model for web finance fraud detection. Specifically, drawing inspiration from the scene conflict monitoring role of the hippocampus, we design a cross-view inconsistency perception module that captures subtle discrepancies and behavioral heterogeneity across multiple transaction views. This module enables the model to identify subtle cross-view conflicts for detecting online camouflaged fraudulent behaviors. Furthermore, inspired by the match-mismatch novelty detection mechanism of the CA1 region, we introduce a novelty-aware hypergraph learning module that measures feature deviations from neighborhood expectations and adaptively reweights messages, thereby enhancing sensitivity to online rare fraud patterns in the long-tailed settings. Extensive experiments on six web-based financial fraud datasets demonstrate that HIMVH achieves 6.42% improvement in AUC, 9.74% in F1 and 39.14% in AP on average over 15 SOTA models.

Fraud detection on streaming transaction graphs (STGs) faces challenges on the catastrophic forgetting of previously learned fraud patterns when adapting to evolving patterns. Although some Graph Continual Learning (GCL) approaches mitigate this issue by storing and revisiting historical samples, practical storage constraints prevent them from fully preserving previous patterns. In this work, we propose STG-DGR, a streaming GNN model with diffusion-based generative replay that generates synthetic samples to retain previously learned patterns without storing real samples. The generation of replay samples for STGs faces two key challenges: (1) Heterogeneity challenge of generating STG samples with discrete adjacency table, user features, transaction features, and transaction timestamps. (2) Dependency challenge of capturing bottom-up dependencies across layers in STG samples. To address these challenges, STG-DGR integrates two novel components: (1) a Computational Subgraph Processor (CSP) that transforms heterogeneous STG samples into well-organized hierarchical subgraphs, and (2) a Diffusion-based Subgraph Generator (DSG) that captures the bottom-up dependencies using a novel Transformer-based Hierarchical Denoising Network (THDN), and generates synthetic replay samples that preserve these dependencies. Extensive experiments on four streaming fraud detection datasets demonstrate STG-DGR's superiority in reducing forgetting and improving accuracy over nineteen state-of-the-art baselines.

In the rapidly evolving web-based financial ecosystem where digital banking services become critical infrastructure for underserved communities, credit card fraud disproportionately affects vulnerable populations relying on financial platforms. However, previous studies overlook extreme data scarcity conditions, particularly at small-to-medium web banks that serve as crucial gateways for vulnerable communities. This paper addresses the fundamental challenge of building inclusive and secure financial systems operable at true web scale. To overcome this deficiency, we propose a novel web-based fairness-aware federated fraud detection model, CLARF, which utilizes the designed privacy-enhanced representation fusion and fraud-aware contrastive learning modules to enhance detection performance under conditions of data scarcity and label imbalance. Furthermore, current federated fraud detection systems critically neglect vulnerability to backdoor attacks, where malicious actors can implant hidden triggers during model aggregation, compromising system integrity. We propose a novel dynamic web Min-Max adversarial game framework where attackers employ hybrid multi-stage reinforcement learning with multi-dimensional reward mechanisms to dynamically evolve triggers that achieve excellent tradeoff between stealthiness and effectiveness. Defender adapts a closed-loop Selection-Evaluation-Suppression framework where high-reliability clients are selected via Fisher information to carry out reverse trigger engineering. Then clients' confidence scores are calculated as weights to minimize Attack Success Rate (ASR) during aggregation. Extensive experiments on six financial fraud datasets demonstrate the superiority of CLARF model and Min-Max adversarial game paradigm compared with multiple SOTA models.