论文标题
部分可观测时空混沌系统的无模型预测
Modeling Users' Behavior Sequences with Hierarchical Explainable Network for Cross-domain Fraud Detection
论文作者
论文摘要
随着电子商务行业的爆炸性增长,在现实世界中检测在线交易欺诈对电子商务平台的开发变得越来越重要。用户的顺序行为历史记录提供了有用的信息,可以将欺诈性付款与常规付款区分开来。最近,已经提出了一些方法来解决此基于序列的欺诈检测问题。但是,这些方法通常遇到两个问题:预测结果很难解释,并且对行为的内部信息的剥削不足。为了解决以上两个问题,我们提出了一个可解释的网络(HEN)来对用户的行为序列进行建模,这不仅可以改善欺诈检测的性能,而且可以使推理过程可解释。同时,随着电子商务业务扩展到新领域,例如新国家或新市场,对欺诈检测系统中用户行为进行建模的一个主要问题是数据收集的限制,例如,可用的数据/标签很少。因此,在本文中,我们进一步提出了一个转移框架来解决跨域欺诈检测问题,该问题旨在通过足够和成熟的数据从现有域(源域)转移知识,以提高新域(目标域)的性能。我们提出的方法是一个通用转移框架,不仅可以应用于母鸡,还可以应用于嵌入式和MLP范式中的各种现有模型。根据90个转移任务实验,我们还证明了我们的转移框架不仅可以与Hen一起有助于跨域欺诈检测任务,而且在各种现有模型中也可以普遍且可扩展。
With the explosive growth of the e-commerce industry, detecting online transaction fraud in real-world applications has become increasingly important to the development of e-commerce platforms. The sequential behavior history of users provides useful information in differentiating fraudulent payments from regular ones. Recently, some approaches have been proposed to solve this sequence-based fraud detection problem. However, these methods usually suffer from two problems: the prediction results are difficult to explain and the exploitation of the internal information of behaviors is insufficient. To tackle the above two problems, we propose a Hierarchical Explainable Network (HEN) to model users' behavior sequences, which could not only improve the performance of fraud detection but also make the inference process interpretable. Meanwhile, as e-commerce business expands to new domains, e.g., new countries or new markets, one major problem for modeling user behavior in fraud detection systems is the limitation of data collection, e.g., very few data/labels available. Thus, in this paper, we further propose a transfer framework to tackle the cross-domain fraud detection problem, which aims to transfer knowledge from existing domains (source domains) with enough and mature data to improve the performance in the new domain (target domain). Our proposed method is a general transfer framework that could not only be applied upon HEN but also various existing models in the Embedding & MLP paradigm. Based on 90 transfer task experiments, we also demonstrate that our transfer framework could not only contribute to the cross-domain fraud detection task with HEN, but also be universal and expandable for various existing models.