Secure online transaction is an essential task for e-commerce platforms. Alipay, one of the world's leading cashless payment platform, provides the payment service to both merchants and individual customers. The fraud detection models are built to protect the customers, but stronger demands are raised by the new scenes, which are lacking in training data and labels. The proposed model makes a difference by utilizing the data under similar old scenes and the data under a new scene is treated as the target domain to be promoted. Inspired by this real case in Alipay, we view the problem as a transfer learning problem and design a set of revise strategies to transfer the source domain models to the target domain under the framework of gradient boosting tree models. This work provides an option for the cold-starting and data-sharing problems.
翻译:安全在线交易是电子商务平台的一项基本任务。 Alipay是世界领先的无现金支付平台之一,它为商人和个人客户提供支付服务。欺诈检测模型的建立是为了保护客户,但新场景提出了更强烈的要求,这些场景缺乏培训数据和标签。拟议模型通过利用类似旧场景下的数据而有所改变,新场景下的数据被视为要推广的目标领域。在Alipay的这个真实案例的启发下,我们认为这一问题是一个转移学习问题,并设计了一套修订战略,将源域模型转移到梯度扶植树模型框架下的目标领域。这项工作为冷启动和数据共享问题提供了一个选项。