Financial Risk Assessment via Long-term Payment Behavior Sequence Folding

Online inclusive financial services encounter significant financial risks due to their expansive user base and low default costs. By real-world practice, we reveal that utilizing longer-term user payment behaviors can enhance models' ability to forecast financial risks. However, learning long behavior sequences is non-trivial for deep sequential models. Additionally, the diverse fields of payment behaviors carry rich information, requiring thorough exploitation. These factors collectively complicate the task of long-term user behavior modeling. To tackle these challenges, we propose a Long-term Payment Behavior Sequence Folding method, referred to as LBSF. In LBSF, payment behavior sequences are folded based on merchants, using the merchant field as an intrinsic grouping criterion, which enables informative parallelism without reliance on external knowledge. Meanwhile, we maximize the utility of payment details through a multi-field behavior encoding mechanism. Subsequently, behavior aggregation at the merchant level followed by relational learning across merchants facilitates comprehensive user financial representation. We evaluate LBSF on the financial risk assessment task using a large-scale real-world dataset. The results demonstrate that folding long behavior sequences based on internal behavioral cues effectively models long-term patterns and changes, thereby generating more accurate user financial profiles for practical applications.

Seeing Clearly by Layer Two: Enhancing Attention Heads to Alleviate Hallucination in LVLMs

The hallucination problem in multimodal large language models (MLLMs) remains a common issue. Although image tokens occupy a majority of the input sequence of MLLMs, there is limited research to explore the relationship between image tokens and hallucinations. In this paper, we analyze the distribution of attention scores for image tokens across each layer and head of the model, revealing an intriguing and common phenomenon: most hallucinations are closely linked to the pattern of attention sinks in the self-attention matrix of image tokens, where shallow layers exhibit dense attention sinks and deeper layers show sparse attention sinks. We further analyze the attention heads of different layers and find that heads with high-density attention sink in the image part play a positive role in alleviating hallucinations. In this paper, we propose a training-free method named \textcolor{red}{\textbf{E}}nhancing \textcolor{red}{\textbf{A}}ttention \textcolor{red}{\textbf{H}}eads (EAH), an approach designed to enhance the convergence of image tokens attention sinks in the shallow layers. EAH identifies the attention head that shows the vision sink in a shallow layer and extracts its attention matrix. This attention map is then broadcast to other heads in the layer, thereby strengthening the layer to pay more attention to the image itself. With extensive experiments, EAH shows significant hallucination-mitigating performance on different MLLMs and metrics, proving its effectiveness and generality.

SciPIP: An LLM-based Scientific Paper Idea Proposer

The exponential growth of knowledge and the increasing complexity of interdisciplinary research pose significant challenges for researchers, including information overload and difficulties in exploring novel ideas. The advancements in large language models (LLMs), such as GPT-4, have shown great potential in enhancing idea proposals, but how to effectively utilize large models for reasonable idea proposal has not been thoroughly explored. This paper proposes a scientific paper idea proposer (SciPIP). Based on a user-provided research background, SciPIP retrieves helpful papers from a literature database while leveraging the capabilities of LLMs to generate more novel and feasible ideas. To this end, 1) we construct a literature retrieval database, extracting lots of papers' multi-dimension information for fast access. Then, a literature retrieval method based on semantics, entity, and citation co-occurrences is proposed to search relevant literature from multiple aspects based on the user-provided background. 2) After literature retrieval, we introduce dual-path idea proposal strategies, where one path infers solutions from the retrieved literature and the other path generates original ideas through model brainstorming. We then combine the two to achieve a good balance between feasibility and originality. Through extensive experiments on the natural language processing (NLP) field, we demonstrate that SciPIP can retrieve citations similar to those of existing top conference papers and generate many ideas consistent with them. Additionally, we evaluate the originality of other ideas generated by SciPIP using large language models, further validating the effectiveness of our proposed method. The code and the database are released at https://github.com/cheerss/SciPIP.

Instance-adaptive Zero-shot Chain-of-Thought Prompting

Zero-shot Chain-of-Thought (CoT) prompting emerges as a simple and effective strategy for enhancing the performance of large language models (LLMs) in real-world reasoning tasks. Nonetheless, the efficacy of a singular, task-level prompt uniformly applied across the whole of instances is inherently limited since one prompt cannot be a good partner for all, a more appropriate approach should consider the interaction between the prompt and each instance meticulously. This work introduces an instance-adaptive prompting algorithm as an alternative zero-shot CoT reasoning scheme by adaptively differentiating good and bad prompts. Concretely, we first employ analysis on LLMs through the lens of information flow to detect the mechanism under zero-shot CoT reasoning, in which we discover that information flows from question to prompt and question to rationale jointly influence the reasoning results most. We notice that a better zero-shot CoT reasoning needs the prompt to obtain semantic information from the question then the rationale aggregates sufficient information from the question directly and via the prompt indirectly. On the contrary, lacking any of those would probably lead to a bad one. Stem from that, we further propose an instance-adaptive prompting strategy (IAP) for zero-shot CoT reasoning. Experiments conducted with LLaMA-2, LLaMA-3, and Qwen on math, logic, and commonsense reasoning tasks (e.g., GSM8K, MMLU, Causal Judgement) obtain consistent improvement, demonstrating that the instance-adaptive zero-shot CoT prompting performs better than other task-level methods with some curated prompts or sophisticated procedures, showing the significance of our findings in the zero-shot CoT reasoning mechanism.

NEST-RQ: Next Token Prediction for Speech Self-Supervised Pre-Training

Speech self-supervised pre-training can effectively improve the performance of downstream tasks. However, previous self-supervised learning (SSL) methods for speech, such as HuBERT and BEST-RQ, focus on utilizing non-causal encoders with bidirectional context, and lack sufficient support for downstream streaming models. To address this issue, we introduce the next token prediction based speech pre-training method with random-projection quantizer (NEST-RQ). NEST-RQ employs causal encoders with only left context and uses next token prediction (NTP) as the training task. On the large-scale dataset, compared to BEST-RQ, the proposed NEST-RQ achieves comparable performance on non-streaming automatic speech recognition (ASR) and better performance on streaming ASR. We also conduct analytical experiments in terms of the future context size of streaming ASR, the codebook quality of SSL and the model size of the encoder. In summary, the paper demonstrates the feasibility of the NTP in speech SSL and provides empirical evidence and insights for speech SSL research.

Large-vocabulary forensic pathological analyses via prototypical cross-modal contrastive learning

Forensic pathology is critical in determining the cause and manner of death through post-mortem examinations, both macroscopic and microscopic. The field, however, grapples with issues such as outcome variability, laborious processes, and a scarcity of trained professionals. This paper presents SongCi, an innovative visual-language model (VLM) designed specifically for forensic pathology. SongCi utilizes advanced prototypical cross-modal self-supervised contrastive learning to enhance the accuracy, efficiency, and generalizability of forensic analyses. It was pre-trained and evaluated on a comprehensive multi-center dataset, which includes over 16 million high-resolution image patches, 2,228 vision-language pairs of post-mortem whole slide images (WSIs), and corresponding gross key findings, along with 471 distinct diagnostic outcomes. Our findings indicate that SongCi surpasses existing multi-modal AI models in many forensic pathology tasks, performs comparably to experienced forensic pathologists and significantly better than less experienced ones, and provides detailed multi-modal explainability, offering critical assistance in forensic investigations. To the best of our knowledge, SongCi is the first VLM specifically developed for forensic pathological analysis and the first large-vocabulary computational pathology (CPath) model that directly processes gigapixel WSIs in forensic science.

A3S: A General Active Clustering Method with Pairwise Constraints

Active clustering aims to boost the clustering performance by integrating human-annotated pairwise constraints through strategic querying. Conventional approaches with semi-supervised clustering schemes encounter high query costs when applied to large datasets with numerous classes. To address these limitations, we propose a novel Adaptive Active Aggregation and Splitting (A3S) framework, falling within the cluster-adjustment scheme in active clustering. A3S features strategic active clustering adjustment on the initial cluster result, which is obtained by an adaptive clustering algorithm. In particular, our cluster adjustment is inspired by the quantitative analysis of Normalized mutual information gain under the information theory framework and can provably improve the clustering quality. The proposed A3S framework significantly elevates the performance and scalability of active clustering. In extensive experiments across diverse real-world datasets, A3S achieves desired results with significantly fewer human queries compared with existing methods.

URRL-IMVC: Unified and Robust Representation Learning for Incomplete Multi-View Clustering

Incomplete multi-view clustering (IMVC) aims to cluster multi-view data that are only partially available. This poses two main challenges: effectively leveraging multi-view information and mitigating the impact of missing views. Prevailing solutions employ cross-view contrastive learning and missing view recovery techniques. However, they either neglect valuable complementary information by focusing only on consensus between views or provide unreliable recovered views due to the absence of supervision. To address these limitations, we propose a novel Unified and Robust Representation Learning for Incomplete Multi-View Clustering (URRL-IMVC). URRL-IMVC directly learns a unified embedding that is robust to view missing conditions by integrating information from multiple views and neighboring samples. Firstly, to overcome the limitations of cross-view contrastive learning, URRL-IMVC incorporates an attention-based auto-encoder framework to fuse multi-view information and generate unified embeddings. Secondly, URRL-IMVC directly enhances the robustness of the unified embedding against view-missing conditions through KNN imputation and data augmentation techniques, eliminating the need for explicit missing view recovery. Finally, incremental improvements are introduced to further enhance the overall performance, such as the Clustering Module and the customization of the Encoder. We extensively evaluate the proposed URRL-IMVC framework on various benchmark datasets, demonstrating its state-of-the-art performance. Furthermore, comprehensive ablation studies are performed to validate the effectiveness of our design.

Seed-ASR: Understanding Diverse Speech and Contexts with LLM-based Speech Recognition

Modern automatic speech recognition (ASR) model is required to accurately transcribe diverse speech signals (from different domains, languages, accents, etc) given the specific contextual information in various application scenarios. Classic end-to-end models fused with extra language models perform well, but mainly in data matching scenarios and are gradually approaching a bottleneck. In this work, we introduce Seed-ASR, a large language model (LLM) based speech recognition model. Seed-ASR is developed based on the framework of audio conditioned LLM (AcLLM), leveraging the capabilities of LLMs by inputting continuous speech representations together with contextual information into the LLM. Through stage-wise large-scale training and the elicitation of context-aware capabilities in LLM, Seed-ASR demonstrates significant improvement over end-to-end models on comprehensive evaluation sets, including multiple domains, accents/dialects and languages. Additionally, Seed-ASR can be further deployed to support specific needs in various scenarios without requiring extra language models. Compared to recently released large ASR models, Seed-ASR achieves 10%-40% reduction in word (or character, for Chinese) error rates on Chinese and English public test sets, further demonstrating its powerful performance.

MapVision: CVPR 2024 Autonomous Grand Challenge Mapless Driving Tech Report

Autonomous driving without high-definition (HD) maps demands a higher level of active scene understanding. In this competition, the organizers provided the multi-perspective camera images and standard-definition (SD) maps to explore the boundaries of scene reasoning capabilities. We found that most existing algorithms construct Bird's Eye View (BEV) features from these multi-perspective images and use multi-task heads to delineate road centerlines, boundary lines, pedestrian crossings, and other areas. However, these algorithms perform poorly at the far end of roads and struggle when the primary subject in the image is occluded. Therefore, in this competition, we not only used multi-perspective images as input but also incorporated SD maps to address this issue. We employed map encoder pre-training to enhance the network's geometric encoding capabilities and utilized YOLOX to improve traffic element detection precision. Additionally, for area detection, we innovatively introduced LDTR and auxiliary tasks to achieve higher precision. As a result, our final OLUS score is 0.58.