arXivZe Zhao, Haoyu Jiang, Weiyu Han, Ruobing Zuo, Xiao Tan, Shuai Chen, Tianyi ZhangFri, Oct 30, 2026, 9:35 AM PDT
score 15.3
Payment fraud models learn behavior patterns instead of raw identity values
Original: ID2Pattern: Pretraining Generalizable Identity Behavior Patterns for Transaction Risk Foundation Models
Source: arxiv.org ↗
Writing ELI5 summary…