SELF-HEALING PAYMENT SYSTEMS VIA AI-DRIVEN ANOMALY RECOVERY: A ZERO-DOWNTIME FRAMEWORK FOR SECURE AND RELIABLE TRANSACTIONS
DOI:
https://doi.org/10.34218/IJCET_16_02_014Keywords:
Self-healing Systems, AI Anomaly Detection, Graph-based RCA, Reinforcement Learning, FinTech ResilienceAbstract
Modern payment systems are increasingly vulnerable to cyberattacks, infrastructure failures, and transactional anomalies. Traditional security and reliability solutions often operate in isolation, leading to delayed recovery and systemic vulnerabilities. This paper introduces SHIELD-AI (Self-Healing Intelligent Layer for Enhanced Defenses and Anomaly Recovery), an innovative framework that integrates AI-driven anomaly detection, automated root cause analysis (RCA), and self-healing mechanisms to achieve zero-downtime recovery in payment platforms. SHIELD-AI employs federated deep learning for anomaly detection, achieving 99.6% precision, utilizes graph-based RCA for fault isolation within 200 milliseconds, and leverages reinforcement learning (RL) for recovery. Validated through chaos engineering, its architecture ensures 98.9% uptime during adversarial conditions. By bridging cybersecurity and reliability engineering, SHIELD-AI redefines resilience for mission-critical financial infrastructure.
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Copyright (c) 2025 Nishant Nisan Jha, Prakash Manwani (Author)
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