Author

Ze-Pan Zhao

3 papers indexed here

We haven’t gathered this author’s papers yet. Follow them and we’ll fetch their work.

Not the right person? Other researchers publish under this name.

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. · 0 citations

#artificial intelligence Preprint Nov 2026

TAPES: Task-Aligned Joint Predictive Pretraining for Transaction Event Sequences

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

#artificial intelligence Preprint Oct 2026

ID2Pattern: Pretraining Generalizable Identity Behavior Patterns for Transaction Risk Foundation Models

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