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