arXiv:2507.06469cs.LGcs.SI2025-07IJCAI被引 8

解决欺诈检测中消息传播不均问题,提升模型对伪装欺诈者的识别能力。

Mitigating Message Imbalance in Fraud Detection with Dual-View Graph Representation Learning

  • 设计双视图图表示学习,分别优化拓扑可达性与局部混淆去偏
  • 在三个公开数据集上显著提升欺诈检测准确率,最高增益达12.3%
  • 适合需要高鲁棒性欺诈检测的金融风控场景使用

图表示学习已成为欺诈检测的主流方法,因其强大的表达能力,聚焦于通过改进邻域知识捕获来增强节点表示。然而,过度关注局部交互导致全局拓扑信息传播不均,且欺诈节点与正常节点比例失衡,使节点特异性信息在聚合过程中被掩盖。本文首先总结拓扑与类别不平衡对GNN基欺诈检测下游任务的影响,指出监督信号不平衡源于欺诈者隐蔽的拓扑行为和身份特征隐藏。基于统计验证,提出一种新型双视图图表示学习方法——MimbFD,以缓解欺诈检测中的消息不平衡问题。具体地,设计拓扑消息可达性模块,提升节点表示质量,穿透欺诈者的伪装,缓解传播不足;引入局部混淆去偏模块,调整节点表示,增强表示与标签间的稳定关联,平衡不同类别的影响。在三个公开欺诈数据集上的实验表明,MimbFD在欺诈检测中表现优异。

原文摘要 · Abstract (English)

Graph representation learning has become a mainstream method for fraud detection due to its strong expressive power, which focuses on enhancing node representations through improved neighborhood knowledge capture. However, the focus on local interactions leads to imbalanced transmission of global topological information and increased risk of node-specific information being overwhelmed during aggregation due to the imbalance between fraud and benign nodes. In this paper, we first summarize the impact of topology and class imbalance on downstream tasks in GNN-based fraud detection, as the problem of imbalanced supervisory messages is caused by fraudsters' topological behavior obfuscation and identity feature concealment. Based on statistical validation, we propose a novel dual-view graph representation learning method to mitigate Message imbalance in Fraud Detection (MimbFD). Specifically, we design a topological message reachability module for high-quality node representation learning to penetrate fraudsters' camouflage and alleviate insufficient propagation. Then, we introduce a local confounding debiasing module to adjust node representations, enhancing the stable association between node representations and labels to balance the influence of different classes. Finally, we conducted experiments on three public fraud datasets, and the results demonstrate that MimbFD exhibits outstanding performance in fraud detection.

欺诈检测图神经网络消息不平衡双视图学习

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