VIJAY KUMAR SONI; PRABHU MUTHUSAMY. Hybrid Graph-Transformer Fraud Scoring in Tokenized Card-on-File Ecosystems. Essex Journal of AI Ethics and Responsible Innovation, Essex, USA, v. 3, p. 500–532, 2023. Disponível em: https://ejaeai.org/index.php/publication/article/view/76.. Acesso em: 24 jun. 2026.