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cs.AI2026
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…
cs.AI2026
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…