{"state_type":"pith_open_graph_state","state_version":"1.0","pith_number":"pith:2020:GFJB5VR7MIFJQMZCXXUDODR4VW","merge_version":"pith-open-graph-merge-v1","event_count":2,"valid_event_count":2,"invalid_event_count":0,"equivocation_count":0,"current":{"canonical_record":{"metadata":{"abstract_canon_sha256":"7d00167d33b4f8d9e62c1b34371e1bb04493f95f22868798847ccb96d0d5de9e","cross_cats_sorted":["cs.AI"],"license":"http://arxiv.org/licenses/nonexclusive-distrib/1.0/","primary_cat":"cs.LG","submitted_at":"2020-08-18T08:13:49Z","title_canon_sha256":"ed362eb7459f6a240b2db470bae536c0c7bd8c42ebebfcc00c265af854ec247d"},"schema_version":"1.0","source":{"id":"2008.07796","kind":"arxiv","version":1}},"source_aliases":[{"alias_kind":"arxiv","alias_value":"2008.07796","created_at":"2026-07-05T01:27:55Z"},{"alias_kind":"arxiv_version","alias_value":"2008.07796v1","created_at":"2026-07-05T01:27:55Z"},{"alias_kind":"doi","alias_value":"10.48550/arxiv.2008.07796","created_at":"2026-07-05T01:27:55Z"},{"alias_kind":"pith_short_12","alias_value":"GFJB5VR7MIFJ","created_at":"2026-07-05T01:27:55Z"},{"alias_kind":"pith_short_16","alias_value":"GFJB5VR7MIFJQMZC","created_at":"2026-07-05T01:27:55Z"},{"alias_kind":"pith_short_8","alias_value":"GFJB5VR7","created_at":"2026-07-05T01:27:55Z"}],"graph_snapshots":[{"event_id":"sha256:76f61d584a139e43d86c705d697999d217b7231089aaebf1da00b1a43bd36d73","target":"graph","created_at":"2026-07-05T01:27:55Z","signer":{"key_id":"pith-v1-2026-05","public_key_fingerprint":"8d4b5ee74e4693bcd1df2446408b0d54","signer_id":"pith.science","signer_type":"pith_registry"},"payload":{"graph_snapshot":{"author_claims":{"count":0,"snapshot_sha256":"258153158e38e3291e3d48162225fcdb2d5a3ed65a07baac614ab91432fd4f57","strong_count":0},"builder_version":"pith-number-builder-2026-05-17-v1","claims":{"count":0,"items":[],"snapshot_sha256":"258153158e38e3291e3d48162225fcdb2d5a3ed65a07baac614ab91432fd4f57"},"formal_canon":{"evidence_count":0,"snapshot_sha256":"258153158e38e3291e3d48162225fcdb2d5a3ed65a07baac614ab91432fd4f57"},"integrity":{"available":true,"clean":true,"detectors_run":[],"endpoint":"/pith/2008.07796/integrity.json","findings":[],"snapshot_sha256":"c28c3603d3b5d939e8dc4c7e95fa8dfce3d595e45f758748cecf8e644a296938","summary":{"advisory":0,"by_detector":{},"critical":0,"informational":0}},"paper":{"abstract_excerpt":"More personal consumer loan products are emerging in mobile banking APP. For ease of use, application process is always simple, which means that few application information is requested for user to fill when applying for a loan, which is not conducive to construct users' credit profile. Thus, the simple application process brings huge challenges to the overdue risk detection, as higher overdue rate will result in greater economic losses to the bank. In this paper, we propose a model named HUIHEN (Hierarchical User Intention-Habit Extract Network) that leverages the users' behavior information ","authors_text":"Hao Guo, Kai Shuang, Rongrong Wang, Xintao Ren, Yue Sun, Zhun Cai","cross_cats":["cs.AI"],"headline":"","license":"http://arxiv.org/licenses/nonexclusive-distrib/1.0/","primary_cat":"cs.LG","submitted_at":"2020-08-18T08:13:49Z","title":"A Hierarchical User Intention-Habit Extract Network for Credit Loan Overdue Risk Detection"},"references":{"count":0,"internal_anchors":0,"resolved_work":0,"sample":[],"snapshot_sha256":"258153158e38e3291e3d48162225fcdb2d5a3ed65a07baac614ab91432fd4f57"},"source":{"id":"2008.07796","kind":"arxiv","version":1},"verdict":{"created_at":null,"id":null,"model_set":{},"one_line_summary":"","pipeline_version":null,"pith_extraction_headline":"","strongest_claim":"","weakest_assumption":""}},"verdict_id":null}}],"author_attestations":[],"timestamp_anchors":[],"storage_attestations":[],"citation_signatures":[],"replication_records":[],"corrections":[],"mirror_hints":[],"record_created":{"event_id":"sha256:2964198b58f3b3c31f2403d8b827f172248bc4cb8241f4b9f659b3a856bac5b8","target":"record","created_at":"2026-07-05T01:27:55Z","signer":{"key_id":"pith-v1-2026-05","public_key_fingerprint":"8d4b5ee74e4693bcd1df2446408b0d54","signer_id":"pith.science","signer_type":"pith_registry"},"payload":{"attestation_state":"computed","canonical_record":{"metadata":{"abstract_canon_sha256":"7d00167d33b4f8d9e62c1b34371e1bb04493f95f22868798847ccb96d0d5de9e","cross_cats_sorted":["cs.AI"],"license":"http://arxiv.org/licenses/nonexclusive-distrib/1.0/","primary_cat":"cs.LG","submitted_at":"2020-08-18T08:13:49Z","title_canon_sha256":"ed362eb7459f6a240b2db470bae536c0c7bd8c42ebebfcc00c265af854ec247d"},"schema_version":"1.0","source":{"id":"2008.07796","kind":"arxiv","version":1}},"canonical_sha256":"31521ed63f620a983322bde8370e3cadb67ee0247ff9ce38466b421052e054b1","receipt":{"algorithm":"ed25519","builder_version":"pith-number-builder-2026-05-17-v1","canonical_sha256":"31521ed63f620a983322bde8370e3cadb67ee0247ff9ce38466b421052e054b1","first_computed_at":"2026-07-05T01:27:55.556276Z","key_id":"pith-v1-2026-05","kind":"pith_receipt","last_reissued_at":"2026-07-05T01:27:55.556276Z","public_key_fingerprint":"8d4b5ee74e4693bcd1df2446408b0d54","receipt_version":"0.3","signature_b64":"2GjPnEj2ag3DA7X/IkvcGy8BdKOPEPEqmT85crMNOWWsA60QaAIn/kDTWyNUHT6FtCU42nIi6Y2xV+x4WgqaBA==","signature_status":"signed_v1","signed_at":"2026-07-05T01:27:55.556763Z","signed_message":"canonical_sha256_bytes"},"source_id":"2008.07796","source_kind":"arxiv","source_version":1}}},"equivocations":[],"invalid_events":[],"applied_event_ids":["sha256:2964198b58f3b3c31f2403d8b827f172248bc4cb8241f4b9f659b3a856bac5b8","sha256:76f61d584a139e43d86c705d697999d217b7231089aaebf1da00b1a43bd36d73"],"state_sha256":"33d7858cfd9d17fa5db2f633f75bda31aa76db59a928e1f96d45f789e15681c4"}