Jiarui Sun

Chin-Chia Michael Yeh, Uday Singh Saini, Xin Dai et al.

Payment networks form the backbone of modern commerce, generating high volumes of transaction records from daily activities. Properly modeling this data can enable applications such as abnormal behavior detection and consumer-level insights for hyper-personalized experiences, ultimately improving people's lives. In this paper, we present TREASURE, TRansformer Engine As Scalable Universal transaction Representation Encoder, a multipurpose transformer-based foundation model specifically designed for transaction data. The model simultaneously captures both consumer behavior and payment network signals (such as response codes and system flags), providing comprehensive information necessary for applications like accurate recommendation systems and abnormal behavior detection. Verified with industry-grade datasets, TREASURE features three key capabilities: 1) an input module with dedicated sub-modules for static and dynamic attributes, enabling more efficient training and inference; 2) an efficient and effective training paradigm for predicting high-cardinality categorical attributes; and 3) demonstrated effectiveness as both a standalone model that increases abnormal behavior detection performance by 111% over production systems and an embedding provider that enhances recommendation models by 104%. We present key insights from extensive ablation studies, benchmarks against production models, and case studies, highlighting valuable knowledge gained from developing TREASURE.

Xiang Zhang, Jiarui Sun, Siwei Ma et al.

Sparse representation leads to an efficient way to approximately recover a signal by the linear composition of a few bases from a learnt dictionary, based on which various successful applications have been achieved. However, in the scenario of data compression, its efficiency and popularity are hindered. It is because of the fact that encoding sparsely distributed coefficients may consume more bits for representing the index of nonzero coefficients. Therefore, introducing an accurate rate-constraint in sparse coding and dictionary learning becomes meaningful, which has not been fully exploited in the context of sparse representation. According to the Shannon entropy inequality, the variance of a Gaussian distributed data bounds its entropy, indicating the actual bitrate can be well estimated by its variance. Hence, a Globally Variance-Constrained Sparse Representation (GVCSR) model is proposed in this work, where a variance-constrained rate term is introduced to the optimization process. Specifically, we employ the Alternating Direction Method of Multipliers (ADMM) to solve the non-convex optimization problem for sparse coding and dictionary learning, both of them have shown the state-of-the-art rate-distortion performance for image representation. Furthermore, we investigate the potential of applying the GVCSR algorithm in the practical image set compression, where the optimized dictionary is trained to efficiently represent the images captured in similar scenarios by implicitly utilizing inter-image correlations. Experimental results have demonstrated superior rate-distortion performance against the state-of-the-art methods.