English(EN) ID2Pattern: Pretraining Generalizable Identity Behavior Patterns for Transaction Risk Foundation Models

新的ID2Pattern框架通过行为模式增强交易风险模型

作者 PulseAugur 编辑部 · [1 个来源] · 2026-11-02 05:00

研究人员开发了ID2Pattern，一个新颖的预训练框架，旨在通过更好地利用高基数身份字段来增强交易风险基础模型。该方法通过使用本地匿名ID（LAID）分词器和多尺度模式代码本，捕获序列中的行为模式，而与特定的ID值无关。在大型工业数据集和几个公共数据集上的实验表明，ID2Pattern的性能显著优于现有基线，即使在处理未见过的身份值时也表现出改进的性能。 AI

影响该框架可以提高交易风险模型的准确性和泛化能力，特别是在识别新颖的欺诈模式方面。

排序理由该集群包含一篇详细介绍基础模型新预训练框架的研究论文。[lever_c_demoted from research: ic=1 ai=1.0]

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arXiv cs.AI TIER_1 English(EN) · Ze Zhao, Haoyu Jiang, Weiyu Han, Ruobing Zuo, Xiao Tan, Shuai Chen, Tianyi Zhang · 2026-11-02 05:00

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

arXiv:2610.41988v1 Announce Type: new Abstract: Large-scale behavioral pretraining offers a promising route to generalizable representations in online payment systems. However, high-cardinality identity fields such as card, device, and account IDs, though rich in behavioral signa…

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

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