Junhui Mao, Junru Zhang, Liming Ye, Cheng Peng, Haoran Shi, Xiaoli Tang, Baokun Wang, Bin Dou 等 10 位作者
Web-connected sensing applications continuously generate multivariate time series with evolving behavioral categories, making Time Series Class-Incremental Learning (TSCIL) essential for adapting to new classes without forgetting previously acquired knowledge. However, preserving diverse and evolving class distributions under strict privacy and memory constraints remains a fundamental challenge. Existing approaches often face a trade-off between retaining sufficient historical knowledge for accurate recognition and minimizing the memory required for continual adaptation. To address these limitations, we propose TRACE, a memory-efficient, replay-free framework that preserves class-specific knowledge through generative modeling rather than sample rehearsal. TRACE employs a compact, frozen temporal-spectral representation and lightweight class-specific autoencoders to capture complex intra-class variations. By independently preserving each class model, TRACE avoids recursive generation and catastrophic forgetting, while enabling direct classification through reconstruction-based scoring without retaining historical samples or large statistical matrices. Extensive experiments across five TSCIL benchmarks demonstrate that TRACE achieves competitive classification accuracy while reducing mean retained memory by approximately 98.26% compared with TS-ACL, the strongest evaluated analytical baseline, and achieving an approximately 33.43% relative improvement in accuracy on GrabMyo.
Yu Lei, Zixuan Wang, Yiqing Feng, Junru Zhang, Yahui Li, Liu Chu, Wang Tongyao, Dongyang Li
Recent industrial credit scoring models remain heavily reliant on manually tuned statistical learning methods. Despite their potential, deep learning architectures have struggled to consistently outperform traditional statistical models in industrial credit scoring, largely due to the complexity of heterogeneous financial data and the challenge of modeling evolving creditworthiness. To bridge this gap, we introduce FinLangNet, a novel framework that reformulates credit scoring as a multi-scale sequential learning problem. FinLangNet processes heterogeneous financial data through a dual-module architecture that combines tabular feature extraction with temporal sequence modeling, generating probability distributions of users’ future financial behaviors across multiple time horizons. A key innovation is our dual-prompt mechanism within the sequential module, which introduces learnable prompts operating at both feature-level granularity for capturing fine-grained temporal patterns and user-level granularity for aggregating holistic risk profiles. Notably, real world deployment yielded a 6.3 pp improvement in KS, along with a 9.9% reduction in bad debt rate.
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cs.CL
Proceedings of the 64th Annual Meeting of the Association for Computational Linguistics (Volume 6: Industry Track) · 2026 · 正式发表