iPay: Integrated Payment Action Recognition via Multimodal Networks and Adaptive Spatial Prior Learning
Authors: Kaicong Huang, Weiheng Oh, Thomas Guggisberg, Ruimin Ke
Organizations: Rensselaer Polytechnic Institute, 110 Eighth Street, Troy, NY USA 12180. · Capital District Transportation Authority, 110 Watervliet Avenue, Albany, NY USA 12206.
Abstract
Automated transit payment analysis is vital for scalable fare auditing and passenger analytics, yet practice still relies on limited manual inspection. Prior vision- and skeleton-based methods remain brittle under noisy onboard surveillance and often depend on poorly generalizable handcrafted features. Building on the success of graph convolutional networks in human action recognition, we observe that skeleton features excel at modeling global spatiotemporal dependencies but tend to underemphasize the subtle local relative motions that distinguish payment actions. In contrast, RGB features preserve fine-grained spatial details yet often lack reliable temporal continuity in surveillance footage. To bridge both system-level deployment needs and model-level design challenges, we present iPay, an integrated payment action recognition framework for onboard transit surveillance system. iPay adopts a multimodal mixture-of-experts architecture with four tightly coupled streams: (1) an RGB expert stream emphasizing local evidence via region-focused computation; (2) a skeleton expert stream modeling articulated motion with a graph convolutional backbone; (3) a dual-attention fusion stream enabling skeleton-to-RGB temporal transfer and RGB-to-skeleton spatial enhancement; and (4) a prior-driven Spatial Difference Discriminator (SDD) that explicitly models hand-to-anchor relative motion to improve task-specific discriminability. We also collaborate with local transit agencies to collect over 55 hours of real onboard surveillance footage, yielding 500+ payment clips. Experiments show that iPay outperforms prior methods and achieves 83.45% recognition accuracy with competitive computational efficiency, making it suitable for edge deployment. Code is available at https://github.com/ccoopq/iPay.
Transit video understanding can provide valuable fine-grained data that conventional passenger counters and fare systems cannot capture. However, supervised video models require task-specific annotations, while applying vision-language models (VLMs) directly to long onboard videos is unreliable and costly. To leverage the complementary strengths of both approaches, we propose GHR-VLM, a visual grounded hybrid reasoning framework for zero-shot transit-bus video analytics. It is motivated by the observation that explicit visual grounding can improve VLM reasoning by converting long surveillance streams into compact, passenger-centered spatiotemporal evidence. Specifically, we propose an edge-cloud design in which a lightweight edge-based monitor continuously tracks door status and segments passenger clips. A backend VLM then identifies boarding passengers and classifies payment behavior through a two-stage coarse-to-fine refinement of spatiotemporal evidence. By invoking the VLM only on grounded passenger clips and contact sheets, GHR-VLM reduces cloud inference, avoids payment-specific training data, and supplies the localized evidence that VLMs otherwise struggle to identify. Evaluation on 486 minutes of real-world bus surveillance video demonstrates the potential of grounded edge-cloud reasoning for passenger-level payment analytics while highlighting the challenges posed by degraded video conditions.
Fine-grained human action recognition (FHAR) must distinguish visually similar actions that differ mainly in body configuration, timing, or local appearance. RGB representations retain visual context but often suppress joint-level geometry, whereas skeleton representations encode kinematics but discard dense spatial detail. We introduce FineX, which factorizes fine-grained cues into RGB appearance, pose heatmap geometry, and skeletal-graph topology. Pairwise cross-attention enables symmetric, stream-preserving information exchange, followed by a streamwise latent sparse Mixture-of-Experts that routes each representation to a content-dependent subset of shared experts, regularized by a load-balancing objective. FineX achieves state-of-the-art results on Gym99, Gym288, and Diving48. On the long-tailed Gym288, it raises mean class accuracy from 68.6% to 76.2% (+7.6 points) without textual supervision or large-scale vision-language pre-training, demonstrating the benefit of structured visual-pose-graph fusion and conditional expert refinement for FHAR.
Modern action recognition models operate on memory- and compute-intensive dense RGB video volumes and frequently exploit appearance and background shortcuts, for example, predicting actions from objects or scenes instead of characteristic motion. We investigate an efficient alternative input modality that is largely free of such biases by construction: sparse point trajectories. To this end, we develop a simple transformer architecture for 2.5D trajectory-based recognition together with a masked-trajectory pretraining, which we show to substantially improve downstream action recognition accuracy. Despite using only a fraction of the dense RGB input, our method reaches 45% top-1 on Something-Something V2 and 54% on EPIC-Kitchens-100, and surpasses V-JEPA on time-reversal sensitivity. More importantly, we find trajectory features to be complementary to state-of-the-art appearance-based features. Fusing our pretrained model with DINOv2 and V-JEPA 2 improves top-1 accuracy on Something-Something V2 by 8.7 and 1.6 points, respectively. Code: https://github.com/ecker-lab/TrAction
Jan F. Meier, Felix B. Mueller, Alexander Ecker +1