mlsanityData to 14 Oct 2026

Temporal Heterogeneous Graph Transformer for Credit Card Fraud Detection

arXiv 2609.07100 ↗First posted 7 Sep 2026cs.LG cs.AIcited by 0

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Abstract (arXiv)

Credit card fraud detection typically relies on tabular features, while repeated attributes can also provide useful relational signals. This paper proposes THGT-FD, a Temporal Heterogeneous Graph Transformer for Fraud Detection. Each transaction is represented using one transaction token and six types of relation tokens and incorporates Time2Vec encoding into the transaction representation. A Transformer learns the interactions among these tokens within each individual transaction and then outputs a fraud probability. Experiments were conducted on 150,000 transactions sampled from the IEEE-CIS Fraud Detection dataset and chronologically partitioned according to TransactionDT. On the test set, THGT-FD achieved an AUC-ROC of 0.8536, an average precision of 0.4164, and a Recall@5% of 0.4708. The class-weighted histogram-based gradient-boosting baseline achieved an AUC-ROC of 0.8722. The results indicate that relation tokens provide useful information for fraud-risk ranking, although the current model does not yet incorporate entity-level historical aggregation.

Key facts. No citing papers in the map yet (data through 14 Oct 2026). Builds on 10 of its 34 references that are in the map. First posted on arXiv 7 Sep 2026.

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References · 10

  1. 2016Semi-Supervised Classification with Graph Convolutional Networkscited by 11,361
  2. 2017Inductive Representation Learning on Large Graphscited by 6,320
  3. 2016XGBoost: A Scalable Tree Boosting Systemcited by 5,166
  4. 2017Modeling Relational Data with Graph Convolutional Networkscited by 1,694
  5. 2020Heterogeneous Graph Transformercited by 582
  6. 2019Time2Vec: Learning a Vector Representation of Timecited by 213
  7. 2026Auditing and Fixing Economic Validity in Tabular Foundation Models for Discrete Choicecited by 6
  8. 2026Class Weighting versus Amount Conditioning in Credit-Card Fraud Detection: A Dollar-Metric Study with a Temporal Explanation Auditcited by 4
  9. 2026Validation-Stage Combinatorial Fusion Analysis for Imbalanced Credit-Card Fraud Detectioncited by 3
  10. 2025Sparse Causal Discovery with Generative Intervention for Unsupervised Graph Domain Adaptationcited by 2

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