UPI Cyber Guard AI:A Hybrid NLP-Vision Security Framework for Digital Payment Fraud Prevention

Dr. N. Ramadevi

Associate Professor, Dept. of CSE(DS) Santhiram Engineering College (Autonomous), Nandyal,

Andhra Pradesh, Indiaramadevi.cse@srecnandyal.edu.in

ORCID ID: 0000-0001-9363-2805

G.Surendra

Dept. of CSE(DS)Santhiram Engineering College  (Autonomous), Nandyal,

Andhra Pradesh, India22x51a3217@srecnandyal.edu.in
Mr. Pathakamuri Srinivasulu,

Asst. Professor, Dept. of CSE,PBR Visvodaya Institute of Technology and Science, Udayagiri Road, Kavali, Nellore Dt, pin- 524201, Andhra Pradesh, India.

srinivasulu.p@visvodayata.ac.in

ORCID ID: 0009-0001-8376-6532

M.Hema Sagar Reddy

Dept. of CSE(DS)Santhiram Engineering College (Autonomous), Nandyal,

Andhra Pradesh, India22x51a3229@srecnandyal.edu.in

E.Kamal Santhosh

Dept. of CSE(DS)Santhiram Engineering College(Autonomous), Nandyal,Andhra Pradesh, India

22x51a3211@srecnandyal.edu.in

M. Shashidhar Achari

Dept. of CSE(DS)Santhiram Engineering College(Autonomous), Nandyal,Andhra Pradesh, India

22x51a3228@srecnandyal.edu.in

Abstract— The Unified Payments Interface, or UPI, changed the way people transact digitally in India by enabling instantaneous, effortless transfers of value between peers. The meteoric rise in popularity over the last few years has caused an equally rapid increase in cyber crime, including phishing scams, tag and trick schemes (Clickjacking), email scams and hackers altering product images via stolen QR codes to obtain sensitive user data.