A focused, lightweight framework that computes streaming per-user rolling-window features over a chronological event log without future-information leakage and augments them with lightweight text representations designed to approximate some subword robustness properties commonly associated with modern pretrained language models is presented.
FRAUDSkill is proposed, a structured frozen-weight adaptation framework that leaves the underlying audio-language model unchanged while optimizing an external layer of skill programs, route-specific policies, and decision rules and combines structured output control with validation-guided multi-path inference to ensure...
Cheng-Xian Hu, Zhi-Ming Ma, Ming-Jun Pan et al.· 0 citations
Real-time payment fraud detection is a non-stationary streaming prediction problem: adversaries adapt before supervised labels mature, and localized burst attacks can cause losses before retraining. Production systems typically rely on tabular classifiers and rules, which can struggle to capture these emerging sequenti...
Digital Transactions have certainly made our life easier, but at the same time it makes us susceptible to many threats
including misuse of UPI, fraudulent refund, phishing, account hacking, and many others. The traditionalrule-based system works
according to predefined rules and is unable to cope with changing fraud tr...
T. Rajesh, I. N. Raj, R. Manaswini et al.· International Journal for Re...· 0 citations
Each month, more than 12billion payments flow through India’s UPI system. This digital network now stands at the center of everyday money transfers across the country.. However, the instantaneous settlement characteristic of UPI shrinks the fraud-intervention window to under two seconds, rendering conventional rule-bas...
Arshiya Sayeeda, Manjula R. Chougala Dr· Indian Journal of Computer S...· 0 citations
Internet-finance platforms must decide, for every arriving transaction and within milliseconds, whether to approve it, challenge it, or decline it. Recent cost-sensitive work has shown that mapping a calibrated fraud probability and the transaction amount to a three-way execution action is far more profitable than thre...
Sophie Tremblay· International journal of bus...· 0 citations
The Multimodal Instruction Network for Transactions (MINT), a framework that connects a pretrained transaction sequence encoder to a decoder-only LLM through lightweight embedding injection, transaction-language alignment, and instruction tuning, achieves state-of-the-art predictive question-answering performance in bo...
Parameswaran Kamalaruban, Viktor Drobnyi, Maeve Madigan et al.· 0 citations
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