Preprint
Oct 2026
TRIDENT-Seq: Profile-Matched Prefix-Future Contrast for Label-Efficient Payment Risk Modeling
Ant International accumulates large volumes of transaction history across users and payment businesses. Confirmed fraud and chargeback outcomes, by contrast, are scarce, delayed, and specific to each business. A single encoder pretrained on unlabeled histories could serve all businesses, but only if pretraining capture...
W. Han, Hao-Yu Jiang, Jie Sheng et al.
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