[2511.19693] TREASURE: The Visa Payment Foundation Model for High-Volume Transaction Understanding

Computer Science > Machine Learning arXiv:2511.19693 (cs) [Submitted on 24 Nov 2025 (v1), last revised 8 Apr 2026 (this version, v3)] Title:TREASURE: The Visa Payment Foundation Model for High-Volume Transaction Understanding Authors:Chin-Chia Michael Yeh, Uday Singh Saini, Xin Dai, Xiran Fan, Shubham Jain, Yujie Fan, Jiarui Sun, Junpeng Wang, Menghai Pan, Yingtong Dou, Yuzhong Chen, Vineeth Rakesh, Liang Wang, Yan Zheng, Mahashweta Das View a PDF of the paper titled TREASURE: The Visa Payment Foundation Model for High-Volume Transaction Understanding, by Chin-Chia Michael Yeh and 14 other authors View PDF HTML (experimental) Abstract: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 capab...