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.· 0 citations
Transaction event sequences support diverse prediction tasks in online commerce and digital financial services. The same transaction records can yield prediction targets with different semantics, including values, changes, and relations to past events. These targets impose different constraints on history representatio...
Ruo-Bing Zuo, W. Han, Hui-Lin He et al.· 0 citations
ID2Pattern is proposed, a pretraining framework that brings high-cardinality identity fields into transaction foundation models and remains equally effective even when all identity values are unseen during training, highlighting its potential to generalize to new users and markets.
Ze-Pan Zhao, Hao-Yu Jiang, W. Han et al.· 0 citations
This work presents FinFraudBench, a heterogeneous graph benchmark for financial fraud detection, and establishes a standardized evaluation protocol covering both ranking and imbalance-sensitive classification metrics, and evaluates representative baselines.
Yixuan Chen, Hongyu Zhan, Jie Sheng et al.· 0 citations
FinRiskAtlas is introduced, a Chinese-language benchmark that evaluates financial LLMs along two complementary dimensions: operation execution under fixed evidence states and evidence-state control under evolving review conditions, and shows that broad financial capability scores do not fully capture where models are r...
Su-Yang Zhong, Jingzhe Zhu, Qi Xu et al.· 1 citation
We use cookies to run the site and, with your consent, for analytics and to show ads.
See our Cookie Policy.
