TMR-GGNN: Credit Card Fraud Detection based on Time-Aware Multi-Relational Guided Graph Neural Network
Summary
Proposes TMR-GGNN, a time-aware multi-relational graph neural network for credit card fraud detection that handles imbalanced data and evolving fraud patterns via contrastive learning and focal loss.
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# TMR-GGNN: Credit Card Fraud Detection based on Time-Aware Multi-Relational Guided Graph Neural Network Source: [https://arxiv.org/abs/2606.18444](https://arxiv.org/abs/2606.18444) [View PDF](https://arxiv.org/pdf/2606.18444) > Abstract:In recent years, credit card fraud detection has faced significant challenges due to highly imbalanced data, evolving fraud patterns, and complex relational structures among transaction entities\. To address these issues, this research proposes a novel framework called Timeaware Multi Relational Guided Graph Neural Network \(TMR GGNN\)\. Particularly, the proposed TMR GGNN extends the encoder decoder Graph Neural Network GNN architecture by modeling heterogeneous interactions across customers, merchants, devices, and IPs over temporal windows\. Subsequently, the proposed TMR GGNN approach constructs a dynamic, multi relational graph and incorporates a time aware relational attention mechanism within the encoder to adaptively weigh the transaction relevance based on temporal proximity and semantic context\. Consequently, the decoder employs a contrastive learning module to distinguish between real and synthesized transaction patterns, while improving the models generalization of rare fraud cases\. Additionally, to effectively manage severe class imbalances and emphasize discriminative learning, a composite loss function combining Information Noise Contrastive Estimation \(InfoNCE\) based contrastive loss with Focal Loss is introduced\. This integration assists in improving fraud identification while mitigating false negatives\. ## Submission history From: Navin Chhibber \[[view email](https://arxiv.org/show-email/2e9f9051/2606.18444)\] **\[v1\]**Tue, 16 Jun 2026 19:50:53 UTC \(402 KB\)
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