5 papers
Reconstructing Fraudulent Strategies in Online Payments via Interpretable Inverse Reinforcement Learning
Huilin He, Weiyu Han, Linbo Shao +4
Payment fraud causes financial losses and undermines users' trust in web payment services. Although fraud detection is a critical defense for payment security, complex and diverse…
TAPES: Task-Aligned Joint Predictive Pretraining for Transaction Event Sequences
Ruobing Zuo, Weiyu Han, Huilin He +6
Transaction event sequences support diverse prediction tasks in online commerce and digital financial services. The same transaction records can yield prediction targets with diffe…
Where Is a Prediction Model Miscalibrated, and for Whom? Local Audits in Outcome-Learned Pockets
Bernardo Modenesi, Taoyi Chen, Sima Najafzadehkhoei +3
Overall and group-level averages, and ranking metrics such as the AUC, can hide sets of observations for which a prediction model systematically over- or under-predicts. We present…
ID2Pattern: Pretraining Generalizable Identity Behavior Patterns for Transaction Risk Foundation Models
Ze Zhao, Haoyu Jiang, Weiyu Han +4
Large-scale behavioral pretraining offers a promising route to generalizable representations in online payment systems. However, high-cardinality identity fields such as card, devi…
FinFraudBench: A Heterogeneous Graph Benchmark for Financial Fraud Detection
Yixuan Chen, Hongyu Zhan, Jie Sheng +5
The increasing complexity of digital financial systems has reshaped financial fraud detection from isolated transaction classification into relational risk reasoning over interconn…