AI-driven self-supervised anomaly detection system for financial transactions

The AI-driven self-supervised anomaly detection system solves the problems of scarce fraud samples and high labeling costs in financial transactions, enabling efficient detection of new fraud patterns and online repair of abnormal data, thereby improving the model's adaptability and the accuracy of anomaly detection.

CN122413232APending Publication Date: 2026-07-17

Patent Information

Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Filing Date
2026-04-30
Publication Date
2026-07-17

AI Technical Summary

Technical Problem

Existing technologies in financial transactions suffer from problems such as scarce fraud samples, high labeling costs, poor generalization ability to new fraud patterns, and insufficient online repair capabilities for abnormal data, making it difficult to adapt to the conceptual drift in financial scenarios.

Method used

The AI-driven self-supervised anomaly detection system includes a data acquisition and preprocessing module, a self-supervised pre-training module, an anomaly detection scoring and adaptive optimization module, and an anomaly interpretation and repair module. Through multi-task self-supervised learning and incremental self-supervised learning, it generates robust transaction representation vectors and normal behavior prototypes for anomaly detection and repair.

Benefits of technology

It achieves self-supervised anomaly detection without requiring a large number of labeled samples, improves the ability to generalize detection of new fraud patterns, reduces the balance between false positive rate and recall rate, can quickly adapt to changes in user behavior and environment, and reduces the negative impact of abnormal data on downstream business processes.

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Abstract

本发明公开了面向金融交易的AI驱动自监督异常检测系统,涉及金融数据管理技术领域,具体包括:采集预处理模块、自监督预训练模块、异常检测评分模块、自适应优化模块及异常解释修复模块;将多源交易数据转化为时序交易序列,并生成适用于自监督学习的掩码信号和对比样本对;基于多任务自监督学习机制,对无标签交易序列进行预训练,学习鲁棒的交易表征向量和正常行为原型;利用自监督编码器生成的嵌入向量,通过重建误差、对比偏离度和密度估计的复合方式计算交易的风险置信度;根据概念漂移监测结果,自动采集高质量样本并进行增量自监督学习;对检测出的异常交易进行可解释性分析,并利用自监督生成能力对非欺诈性异常数据进行在线修复。
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