A Cognitive-Aware QML-CRL Framework for Detecting Affinity and Romance-Investment Fraud

Credit card fraud detection is fundamentally challenged by extreme class imbalance, where fraudulent transactions are rare yet operationally critical. This imbalance often biases supervised learners toward the legitimate class, leading to high overall accuracy but weaker fraud-class recall and F1-score. This paper introduces Q-SYNTH, a hybrid classical--quantum generative adversarial framework in which a parameterized quantum circuit serves as the generator and a classical neural network serves as the discriminator. Q-SYNTH is designed for minority-class fraud synthesis in tabular data and is evaluated along two dimensions: statistical fidelity to real fraud samples and downstream performance for fraud detection. To this end, generated samples are assessed using distributional similarity measures based on Kolmogorov-Smirnov statistics and Wasserstein distances, real-vs-synthetic detectability measured by AUC-ROC, and downstream classification performance across both quantum and classical classifiers. Under the reported protocol, Q-SYNTH reduces marginal distribution mismatch relative to a classical GAN baseline while maintaining competitive downstream fraud-detection performance. Although SMOTE achieves the strongest feature-wise similarity and the classical GAN attains the highest downstream performance in several settings, Q-SYNTH offers a favorable compromise between distributional fidelity and downstream performance, supporting the feasibility of hybrid quantum augmentation for imbalanced fraud detection.

Similarity in many decision systems is governed not by distance alone but by interactions among variables. In fraud and anomaly detection, small local perturbations can cross interaction-sensitive decision boundaries while leaving ambient distance almost unchanged. Motivated by this setting, we introduce a thin-slab interaction model and an interaction-driven quantum kernel constructed from entangled Pauli-string feature maps. The feature map explicitly encodes sparse high-order block interactions. We show that the resulting fidelity kernel is positive semidefinite, admits an exact block-factorized formulation, and induces a geometry sensitive to changes in interaction regime. Across balanced and imbalanced synthetic experiments spanning third-, fourth-, sixth-, and eighth-order interactions, the proposed kernel consistently outperforms linear, radial basis function, Laplacian, and polynomial kernels, as well as an engineered-interaction linear baseline supplied with the planted block products. On real fraud-detection benchmarks, it achieves the highest mean accuracy and F1 on Credit Card Fraud Detection and ranks second on IEEE-CIS Fraud Detection. Executed on a 156-qubit IBM Quantum processor in a fourth-order setting, the hardware-estimated kernel matches the noise-free simulator within seed-to-seed variability and retains its advantage over the baselines. These findings show that quantum-kernel performance depends on alignment between feature-map geometry and the underlying predictive structure, rather than on Hilbert-space dimension alone. Because the prescribed block-factorized kernel can also be evaluated exactly on a classical computer, the results establish predictive and representational value rather than computational quantum speedup.

Hard-constraint decision systems usually veto infeasible candidates. This is too rigid when the system can act: if a known affordable repair would make an infeasible candidate feasible and valuable, rejection is a false veto rather than a ranking error. We introduce Q-RACL (Quantum Repair-Augmented Constraint Learning), a repair-before-veto framework that first defines RACL decision semantics and then identifies the single inference link where quantum feature access can be load-bearing. RACL accepts a candidate when a sequential repair plan restores feasibility and preference; otherwise it returns structured rejection credit. The hard link is repair-feasibility inference: which repair class restores feasibility from an observed candidate and context. We construct a discrete-logarithm-hidden RACL family where the repair class is a shifted interval rule in the latent exponent a = log_g(x), while the learner observes only x = g^a mod p. Under standard DLP-based learning separation, this coordinate is inaccessible to efficient raw-input classical policies but accessible to a quantum agent through Shor/Fourier structure. Across six primes and ten seeds, bounded raw-input classical policies and a wrong raw-Fourier encoding remain near chance, whereas the Q-DLP policy keeps false-veto rate below 1.1%, wins all paired seeds, and yields QNI_cond = 0.9777 to 0.9972. A classical DLog oracle matches it, isolating feature access rather than classifier capacity. Thus quantum AI is not added as a generic model upgrade; for this DLP-hidden repair family, it supplies the missing feature that closes the repair-before-veto loop.