From "Who Is This User?" to "What Does This Purchase Mean?": A Deployed Pipeline for Semantic User Profiling at Bank Scale
Per-user LLM inference on transaction histories binds the inference budget linearly to user count, which becomes prohibitive at applied scale.
Why am I seeing this Ranked on source trust — arXiv
It ranks mainly on source trust: arXiv is the most reliable outlet we track on this subject, and is the only one on the story so far.
The classifier could not identify the subject from the text, so the section was inherited from the source feed. We do not summarise what we cannot identify — this one links straight out.
Link-outLink-out, because the subject could not be identified from the text. Link-out means we point at the publisher and say nothing of our own.
| Factor | Weight | Score | Contribution | Where it came from |
|---|---|---|---|---|
| Corroboration | 0.35 | 0.39 | +0.135 26% | 1 independent org on the story. Tier-3 aggregators never corroborate — they can show something is circulating, never that it is true. |
| Source trustleads | 0.25 | 0.85 | +0.212 41% | arXiv is the highest-trust source on this story and is first-party — the organisation announcing its own news. Trust is taken from the best source, not averaged. |
| Pickup rate | 0.20 | 0.00 | +0.000 0% | One counted organisation, so there is no spread to measure — nothing has picked this up to set a rate. |
| Freshness | 0.20 | 0.85 | +0.171 33% | Halves every 10 hours from the newest item on the story. This is the only factor that rewards a story for nothing more than being recent. |
Corroboration counts distinct organisations, once each, and only from tiers 1 and 2. Freshness halves every 10 hours, so this ranking is a snapshot and will differ at the next build.
What happened
Per-user LLM inference on transaction histories binds the inference budget linearly to user count, which becomes prohibitive at applied scale. We re-cast attribute inference from per-user to per-transaction-pattern. The pipeline runs in three phases: Resolve abstracts item names with optional web grounding, Profile infers attributes for each frequent pattern, and Tag clusters free-text attributes into a queryable database. In Profile, a single LLM call per pattern emits predefined categorical labels, free-text attributes, and per-attribute prevalence estimates. Because inference runs over patterns rather than users, the budget grows with the pattern count rather than the user count.
How this story arrived
Ordered by when each source was first observed, which is what the velocity figure is computed from. Publishers backdate; observed order does not.
- 01 Arxivfirst-party first seen From "Who Is This User?" to "What Does This Purchase Mean?": A Deployed Pipeline for Semanti
Overclock clusters coverage from independent sources and grades it automatically. The figures above are computed, not editorial. This page summarises and links to reporting by the outlets named — follow the links for the original work.