论文标题
半监督的专注于财务欺诈检测网络
A Semi-supervised Graph Attentive Network for Financial Fraud Detection
论文作者
论文摘要
随着金融服务的快速增长,欺诈检测是一个非常重要的问题,可以为用户和提供者提供健康的环境。用于欺诈检测的常规解决方案主要使用一些基于规则的方法或手动分散某些功能以执行预测。但是,在金融服务中,用户具有丰富的交互,他们本身总是显示多方面的信息。这些数据形成了一个大型多视网网络,该网络并未通过常规方法完全利用。此外,在网络中,只有很少的用户被标记了,这也对仅利用标记的数据来实现欺诈检测的满意性能构成了巨大的挑战。 为了解决该问题,我们通过其社会关系扩展了标记的数据,以获取未标记的数据,并提出了一个半监督的细心图形神经网络,命名为Semignn,以利用标记和未标记的数据进行欺诈检测。此外,我们提出了一种分层注意机制,以更好地将不同的邻居和不同的观点相关联。同时,注意机制可以使模型可解释,并说出欺诈的重要因素以及为什么将用户预测为欺诈。在实验上,我们对Abley的用户进行了预测任务,Abipay是最大的在线和离线无现金支付平台之一,为中国的400万用户提供服务。通过利用社会关系和用户属性,与两个任务的最新方法相比,我们的方法可以实现更好的准确性。此外,可解释的结果还提供了有关任务的有趣直觉。
With the rapid growth of financial services, fraud detection has been a very important problem to guarantee a healthy environment for both users and providers. Conventional solutions for fraud detection mainly use some rule-based methods or distract some features manually to perform prediction. However, in financial services, users have rich interactions and they themselves always show multifaceted information. These data form a large multiview network, which is not fully exploited by conventional methods. Additionally, among the network, only very few of the users are labelled, which also poses a great challenge for only utilizing labeled data to achieve a satisfied performance on fraud detection. To address the problem, we expand the labeled data through their social relations to get the unlabeled data and propose a semi-supervised attentive graph neural network, namedSemiGNN to utilize the multi-view labeled and unlabeled data for fraud detection. Moreover, we propose a hierarchical attention mechanism to better correlate different neighbors and different views. Simultaneously, the attention mechanism can make the model interpretable and tell what are the important factors for the fraud and why the users are predicted as fraud. Experimentally, we conduct the prediction task on the users of Alipay, one of the largest third-party online and offline cashless payment platform serving more than 4 hundreds of million users in China. By utilizing the social relations and the user attributes, our method can achieve a better accuracy compared with the state-of-the-art methods on two tasks. Moreover, the interpretable results also give interesting intuitions regarding the tasks.