United States

In recent years, online lending platforms have been becoming attractive for micro-financing and popular in financial industries. However, such online lending platforms face a high risk of failure due to the lack of expertise on borrowers&#39; creditworthness. Thus, risk forecasting is important to avoid economic loss. Detecting loan fraud users in advance is at the heart of risk forecasting. The purpose of fraud user (borrower) detection is to predict whether one user will fail to make required payments in the future. Detecting fraud users depend on historical loan records. However, a large proportion of users lack such information, especially for new users. In this paper, we attempt to detect loan fraud users from cross domain heterogeneous data views, including user attributes, installed app lists, app installation behaviors, and app-in logs, which compensate for the lack of historical loan records. However, it is difficult to effectively fuse the multiple heterogeneous data views. Moreover, some samples miss one or even more data views, increasing the difficulty in fusion. To address the challenges, we propose a novel end-to-end deep multiview learning approach, which encodes heterogeneous data views into homogeneous ones, generates the missing views based on the learned relationship among all the views, and then fuses all the views together to a comprehensive view for identifying fraud users. Our model is evaluated on a real-world large-scale dataset consisting of 401,978 loan records of 228,117 users from January 1, 2019, to September 30, 2019, achieving the state-of-the-art performance. 

AAAI 2023

Loan Fraud Users Detection in Online Lending Leveraging Multiple Data Views

loan fraud users detection; multivew learning; online lending

The purpose of the AAAI conference series is to promote research in Artificial Intelligence (AI) and foster scientific exchange between researchers, practitioners, scientists, students, and engineers across the entirety of AI and its affiliated disciplines. AAAI-23 is the Thirty-Seventh AAAI Conference on Artificial Intelligence. The theme of this conference is to create collaborative bridges within and beyond AI. Like previous AAAI conferences, AAAI-23 will feature technical paper presentations, special tracks, invited speakers, workshops, tutorials, poster sessions, senior member presentations, competitions, and exhibit programs, and two new activities: a Bridge Program and a Lab Program. Many of these activities are tailored to the theme of bridges and all are selected according to the highest standards, with additional programs for students and young researchers. 
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The purpose of the AAAI conference series is to promote research in Artificial Intelligence (AI) and foster scientific exchange between researchers, practitioners, scientists, students, and engineers across the entirety of AI and its affiliated disciplines.

In recent years, online lending platforms have been becoming attractive for micro-financing and popular in financial industries. However, such online lending platforms face a high risk of failure due to the lack of expertise on borrowers' creditworthness. Thus, risk forecasting is important to avoid economic loss. Detecting loan fraud users in advance is at the heart of risk forecasting. The purpose of fraud user (borrower) detection is to predict whether one user will fail to make required payments in the future. Detecting fraud users depend on historical loan records. However, a large proportion of users lack such information, especially for new users. In this paper, we attempt to detect loan fraud users from cross domain heterogeneous data views, including user attributes, installed app lists, app installation behaviors, and app-in logs, which compensate for the lack of historical loan records. However, it is difficult to effectively fuse the multiple heterogeneous data views. Moreover, some samples miss one or even more data views, increasing the difficulty in fusion. To address the challenges, we propose a novel end-to-end deep multiview learning approach, which encodes heterogeneous data views into homogeneous ones, generates the missing views based on the learned relationship among all the views, and then fuses all the views together to a comprehensive view for identifying fraud users. Our model is evaluated on a real-world large-scale dataset consisting of 401,978 loan records of 228,117 users from January 1, 2019, to September 30, 2019, achieving the state-of-the-art performance. 

poster

We propose a self-supervised learning approach for videos that learns representations of both the RGB frames and the accompanying audio without human supervision.   
In contrast to images that capture the static scene appearance, videos also contain sound and temporal scene dynamics.  
To leverage the temporal and aural dimension inherent to videos, our method extends temporal self-supervision to the audio-visual setting and integrates it with multi-modal contrastive objectives.
As temporal self-supervision, we pose playback speed and direction recognition in both modalities and propose intra- and inter-modal temporal ordering tasks. 
Furthermore, we design a novel contrastive objective in which the usual pairs are supplemented with additional sample-dependent positives and negatives sampled from the evolving feature space. 
In our model, we apply such losses among video clips and between videos and their temporally corresponding audio clips. 
We verify our model design in extensive ablation experiments and evaluate the video and audio representations in transfer experiments to action recognition and retrieval on UCF101 and HMBD51, audio classification on ESC50, and robust video fingerprinting on VGG-Sound, with state-of-the-art results. 

Audio-Visual Contrastive Learning with Temporal Self-Supervision

Graph convolutional networks (GCNs) have been proved to be very practical to handle various graph-related tasks. It has attracted considerable research interest to study deep GCNs, due to their potential superior performance compared with shallow ones. However, simply increasing network depth will, on the contrary, hurt the performance due to the over-smoothing problem. Adding residual connection is proved to be effective for learning deep convolutional neural networks (deep CNNs), it is not trivial when applied to deep GCNs. Recent works proposed an initial residual mechanism that did alleviate the over-smoothing problem in deep GCNs. However, according to our study, their algorithms are quite sensitive to different datasets. In their setting, the personalization (dynamic) and correlation (evolving) of how residual applies are ignored. To this end, we propose a novel model called Dynamic evolving initial Residual Graph Convolutional Network (DRGCN). Firstly, we use a dynamic block for each node to adaptively fetch information from the initial representation. Secondly, we use an evolving block to model the residual evolving pattern between layers. Our experimental results show that our model effectively relieves the problem of over-smoothing in deep GCNs and outperforms the state-of-the-art (SOTA) methods on various benchmark datasets. Moreover, we develop a mini-batch version of DRGCN which can be applied to large-scale data. Coupling with several fair training techniques, our model reaches new SOTA results on the large-scale ogbn-arxiv dataset of Open Graph Benchmark (OGB). Our reproducible code is available on GitHub.

DRGCN: Dynamic Evolving Initial Residual for Deep Graph Convolutional Networks

In this work, we propose a semantic flow-guided two-stage framework for shape-aware face swapping, namely FlowFace. Unlike most previous methods that focus on transferring the source inner facial features but neglect facial contours, our FlowFace can transfer both of them to a target face, thus leading to more realistic face swapping. Concretely, our FlowFace consists of a face reshaping network and a face swapping network. The face reshaping network addresses the shape outline differences between the source and target faces. It first estimates a semantic flow (\ie, face shape differences) between the source and the target face, and then explicitly warps the target face shape with the estimated semantic flow. After reshaping, the face swapping network generates inner facial features that exhibit the identity of the source face. We employ a pre-trained face masked autoencoder (MAE) to extract facial features from both the source face and the target face. In contrast to previous methods that use identity embedding to preserve identity information, the features extracted by our encoder can better capture facial appearances and identity information. Then, we develop a cross-attention fusion module to adaptively fuse inner facial features from the source face with the target facial attributes, thus leading to better identity preservation. Extensive quantitative and qualitative experiments on in-the-wild faces demonstrate that our FlowFace outperforms the state-of-the-art significantly.

FlowFace: Semantic Flow-guided Shape-aware Face Swapping

For the complicated input-output systems with nonlinearity and stochasticity,
Deep Markov Models (DMMs) are effective for identifying the system in latent state space, which are of great significance for representation, forecasting, and planning in online scenarios. However, most DMMs are designed for discrete-time sequences and inapplicable when the observations are irregular in time. To solve the problem, we propose a novel continuous-time model named Ordinary Differential Equation Recurrent State Space Model (ODE-RSSM). As an extension of the basic RSSM, ODE-RSSM incorporates an ODE-Net to model the continuous-time evolution of latent state between adjacent time points. For efficiently training the ODE-RSSM with irregularly sampled sequences, inspired from the equivalent linear transformation on integration limits, we propose an efficient reparameterization method for solving batched ODEs with non-uniform time spans in parallel. We also conduct extensive experiments to evaluate the proposed ODE-RSSM and the baselines on three input-output datasets, one of which is a rollout of a private industrial dataset with strong long-term delay and uncertainty. The results illustrate that the ODE-RSSM outperforms the other baselines in open loop prediction when (1) the system is full of stochasticity and uncertainty, and (2) the time spans of predicted points are uneven and the distribution of length is changeable.

ODE-RSSM: Learning Stochastic Recurrent State Space Model from Irregular Sampled Data

Domain adaptation for 3D point cloud has attracted a lot of interest since it can avoid the time-consuming labeling process of 3D data to some extent. Recently, Jaritz et al. (2020; 2022) leveraged multi-modal data to domain adaptation task of 3D semantic segmentation by mimicking the predictions between 2D and 3D modalities, and outperformed the previous single modality methods only using point clouds. Based on it, in this paper, we propose a novel cross-modal contrastive learning scheme to further improve the adaptation effects. By employing constraints from the correspondences between 2D pixel features and 3D point features, our method not only facilitates interaction between the two different modalities, but also boosts feature representations in both labeled source domain and unlabeled target domain. Meanwhile, to sufficiently utilize 2D context information for domain adaptation through cross-modal learning, we introduce a neighborhood feature aggregation module to enhance pixel features. The module employs neighborhood attention to aggregate nearby pixels in the 2D image, which relieves the mismatching between the two different modalities, arising from projecting relative sparse point cloud to dense image pixels. We evaluate our method on three unsupervised domain adaptation scenarios, including country-to-country, day-to-night, and dataset-to-dataset. Experimental results show that our approach outperforms existing methods, which demonstrates the effectiveness of the proposed method.

Cross-Modal Contrastive Learning for Domain Adaptation in 3D Semantic Segmentation

Variational quantum algorithms (VQAs) are the quantum analog of classical neural networks (NNs). A VQA consists of a parameterized quantum circuit (PQC) which is composed of multiple layers of ansatzes (simpler PQCs, which are an analogy of NN layers) that differ only in selections of parameters. Previous work has identified the alternating layered ansatz as potentially a new standard ansatz in near-term quantum computing. Indeed, shallow alternating layered VQAs are easy to implement and have been shown to be both trainable and expressive. In this work, we introduce a training algorithm with an exponential reduction in training cost of such VQAs. Moreover, our algorithm uses classical shadows of quantum input data, and can hence be run on a classical computer with rigorous performance guarantees. We demonstrate 2--3 orders of magnitude improvement in the training cost using our algorithm for the example problems of finding state preparation circuits and the quantum autoencoder.

Alternating Layered Variational Quantum Circuits Can Be Classically Optimized Efficiently Using Classical Shadows

We provide a unifying framework where artificial neural networks and their architectures can be formally described as particular cases of a general mathematical construction---machines of finite depth. Unlike neural networks, machines have a precise definition, from which several properties follow naturally. Machines of finite depth are modular (they can be combined), efficiently computable, and differentiable. The backward pass of a machine is again a machine and can be computed without overhead using the same procedure as the forward pass. We prove this statement theoretically and practically via a unified implementation that generalizes several classical architectures---dense, convolutional, and recurrent neural networks with a rich shortcut structure---and their respective backpropagation rules.

Machines of Finite Depth: Towards a Formalization of Neural Networks

Event sequences in continuous time space are ubiquitous across applications and have been intensively studied with both classic temporal point process (TPP) and its recent deep network variants. This work is motivated by an observation that many of event data exhibit inherent clustering patterns in terms of the sparse correlation among events, while such characteristics are seldom explicitly considered in existing neural TPP models whereby the history encoders are often embodied by RNNs or Transformers. In this work, we propose a c-NTPP (Cluster-Aware Neural Temporal Point Process) model, which leverages a sequential variational autoencoder framework to infer the latent cluster each event belongs to in the sequence. Specially, a novel event-clustered attention mechanism is devised to learn each cluster and then aggregate them together to obtain the final representation for each event. Extensive experiments show that c-NTPP achieves superior performance on both real-world and synthetic datasets, and it can also uncover the underlying clustering correlations.  

c-NTPP: Learning Cluster-Aware Neural Temporal Point Process

Modeling dynamics in the form of partial differential equations (PDEs) is an effectual way to understand real-world physics processes. For complex physics systems, analytical solutions are not available and numerical solutions are widely-used. However, traditional numerical algorithms are computationally expensive and challenging in handling multiphysics systems. Recently, using neural networks to solve PDEs has made significant progress, called physics-informed neural networks (PINNs). PINNs encode physical laws into neural networks and learn the continuous solutions of PDEs. For the training of PINNs, existing methods suffer from the problems of inefficiency and unstable convergence, since the PDE residuals require calculating automatic differentiation. In this paper, we propose Dynamic Mesh-based Importance Sampling (DMIS) to tackle these problems. DMIS is a novel sampling scheme based on importance sampling, which constructs a dynamic triangular mesh to estimate sample weights efficiently. DMIS has broad applicability and can be easily integrated into existing methods. The evaluation of DMIS on three widely-used benchmarks shows that DMIS improves the convergence speed and accuracy in the meantime. Especially in solving the highly nonlinear Schrödinger Equation, compared with state-of-the-art methods, DMIS shows up to 46% smaller root mean square error and five times faster convergence speed.

DMIS: Dynamic Mesh-based Importance Sampling for Training Physics-Informed Neural Networks

Camera and radar sensors have significant advantages in cost, reliability, and maintenance compared to LiDAR. Existing fusion methods often fuse the outputs of single modalities at the result-level, called the late fusion strategy. This can benefit from using off-the-shelf single sensor detection algorithms, but late fusion cannot fully exploit the complementary properties of sensors, thus having limited performance despite the huge potential of camera-radar fusion. Here we propose a novel proposal-level early fusion approach that effectively exploits both spatial and contextual properties of camera and radar for 3D object detection. Our fusion framework first associates image proposal with radar points in the polar coordinate system to efficiently handle the discrepancy between the coordinate system and spatial properties. Using this as a first stage, following consecutive cross-attention based feature fusion layers adaptively exchange spatio-contextual information between camera and radar, leading to a robust and attentive fusion. Our camera-radar fusion approach achieves the state-of-the-art 41.1% mAP and 52.3% NDS on the nuScenes test set, which is 8.7 and 10.8 points higher than the camera-only baseline, as well as yielding competitive performance on the LiDAR method.

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Loan Fraud Users Detection in Online Lending Leveraging Multiple Data Views

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