Advanced Risk Prediction and Stability Assessment of Banks Using Time Series Transformer Models

This paper aims to study the prediction of the bank stability index based on the Time Series Transformer model. The bank stability index is an important indicator to measure the health status and risk resistance of financial institutions. Traditional prediction methods are difficult to adapt to complex market changes because they rely on single-dimensional macroeconomic data. This paper proposes a prediction framework based on the Time Series Transformer, which uses the self-attention mechanism of the model to capture the complex temporal dependencies and nonlinear relationships in financial data. Through experiments, we compare the model with LSTM, GRU, CNN, TCN and RNN-Transformer models. The experimental results show that the Time Series Transformer model outperforms other models in both mean square error (MSE) and mean absolute error (MAE) evaluation indicators, showing strong prediction ability. This shows that the Time Series Transformer model can better handle multidimensional time series data in bank stability prediction, providing new technical approaches and solutions for financial risk management.

Mitigating Knowledge Conflicts in Language Model-Driven Question Answering

Knowledge-aware sequence to sequence generation tasks such as document question answering and abstract summarization typically requires two types of knowledge: encoded parametric knowledge and retrieved contextual information. Previous work show improper correlation between parametric knowledge and answers in the training set could cause the model ignore input information at test time, resulting in un-desirable model behaviour such as over-stability and hallucination. In this work, we argue that hallucination could be mitigated via explicit correlation between input source and generated content. We focus on a typical example of hallucination, entity-based knowledge conflicts in question answering, where correlation of entities and their description at training time hinders model behaviour during inference.

Pseudo-Probability Unlearning: Towards Efficient and Privacy-Preserving Machine Unlearning

Machine unlearning--enabling a trained model to forget specific data--is crucial for addressing biased data and adhering to privacy regulations like the General Data Protection Regulation (GDPR)'s "right to be forgotten". Recent works have paid little attention to privacy concerns, leaving the data intended for forgetting vulnerable to membership inference attacks. Moreover, they often come with high computational overhead. In this work, we propose Pseudo-Probability Unlearning (PPU), a novel method that enables models to forget data efficiently and in a privacy-preserving manner. Our method replaces the final-layer output probabilities of the neural network with pseudo-probabilities for the data to be forgotten. These pseudo-probabilities follow either a uniform distribution or align with the model's overall distribution, enhancing privacy and reducing risk of membership inference attacks. Our optimization strategy further refines the predictive probability distributions and updates the model's weights accordingly, ensuring effective forgetting with minimal impact on the model's overall performance. Through comprehensive experiments on multiple benchmarks, our method achieves over 20% improvements in forgetting error compared to the state-of-the-art. Additionally, our method enhances privacy by preventing the forgotten set from being inferred to around random guesses.

Integration of Mamba and Transformer -- MAT for Long-Short Range Time Series Forecasting with Application to Weather Dynamics

Long-short range time series forecasting is essential for predicting future trends and patterns over extended periods. While deep learning models such as Transformers have made significant strides in advancing time series forecasting, they often encounter difficulties in capturing long-term dependencies and effectively managing sparse semantic features. The state-space model, Mamba, addresses these issues through its adept handling of selective input and parallel computing, striking a balance between computational efficiency and prediction accuracy. This article examines the advantages and disadvantages of both Mamba and Transformer models, and introduces a combined approach, MAT, which leverages the strengths of each model to capture unique long-short range dependencies and inherent evolutionary patterns in multivariate time series. Specifically, MAT harnesses the long-range dependency capabilities of Mamba and the short-range characteristics of Transformers. Experimental results on benchmark weather datasets demonstrate that MAT outperforms existing comparable methods in terms of prediction accuracy, scalability, and memory efficiency.

YOLO-PPA based Efficient Traffic Sign Detection for Cruise Control in Autonomous Driving

It is very important to detect traffic signs efficiently and accurately in autonomous driving systems. However, the farther the distance, the smaller the traffic signs. Existing object detection algorithms can hardly detect these small scaled signs.In addition, the performance of embedded devices on vehicles limits the scale of detection models.To address these challenges, a YOLO PPA based traffic sign detection algorithm is proposed in this paper.The experimental results on the GTSDB dataset show that compared to the original YOLO, the proposed method improves inference efficiency by 11.2%. The mAP 50 is also improved by 93.2%, which demonstrates the effectiveness of the proposed YOLO PPA.

CatVTON: Concatenation Is All You Need for Virtual Try-On with Diffusion Models

Virtual try-on methods based on diffusion models achieve realistic try-on effects but often replicate the backbone network as a ReferenceNet or use additional image encoders to process condition inputs, leading to high training and inference costs. In this work, we rethink the necessity of ReferenceNet and image encoders and innovate the interaction between garment and person by proposing CatVTON, a simple and efficient virtual try-on diffusion model. CatVTON facilitates the seamless transfer of in-shop or worn garments of any category to target persons by simply concatenating them in spatial dimensions as inputs. The efficiency of our model is demonstrated in three aspects: (1) Lightweight network: Only the original diffusion modules are used, without additional network modules. The text encoder and cross-attentions for text injection in the backbone are removed, reducing the parameters by 167.02M. (2) Parameter-efficient training: We identified the try-on relevant modules through experiments and achieved high-quality try-on effects by training only 49.57M parameters, approximately 5.51 percent of the backbone network's parameters. (3) Simplified inference: CatVTON eliminates all unnecessary conditions and preprocessing steps, including pose estimation, human parsing, and text input, requiring only a garment reference, target person image, and mask for the virtual try-on process. Extensive experiments demonstrate that CatVTON achieves superior qualitative and quantitative results with fewer prerequisites and trainable parameters than baseline methods. Furthermore, CatVTON shows good generalization in in-the-wild scenarios despite using open-source datasets with only 73K samples.

Debiasing Text-to-Image Diffusion Models

Learning-based Text-to-Image (TTI) models like Stable Diffusion have revolutionized the way visual content is generated in various domains. However, recent research has shown that nonnegligible social bias exists in current state-of-the-art TTI systems, which raises important concerns. In this work, we target resolving the social bias in TTI diffusion models. We begin by formalizing the problem setting and use the text descriptions of bias groups to establish an unsafe direction for guiding the diffusion process. Next, we simplify the problem into a weight optimization problem and attempt a Reinforcement solver, Policy Gradient, which shows sub-optimal performance with slow convergence. Further, to overcome limitations, we propose an iterative distribution alignment (IDA) method. Despite its simplicity, we show that IDA shows efficiency and fast convergence in resolving the social bias in TTI diffusion models. Our code will be released.

Dataset Condensation via Generative Model

Dataset condensation aims to condense a large dataset with a lot of training samples into a small set. Previous methods usually condense the dataset into the pixels format. However, it suffers from slow optimization speed and large number of parameters to be optimized. When increasing image resolutions and classes, the number of learnable parameters grows accordingly, prohibiting condensation methods from scaling up to large datasets with diverse classes. Moreover, the relations among condensed samples have been neglected and hence the feature distribution of condensed samples is often not diverse. To solve these problems, we propose to condense the dataset into another format, a generative model. Such a novel format allows for the condensation of large datasets because the size of the generative model remains relatively stable as the number of classes or image resolution increases. Furthermore, an intra-class and an inter-class loss are proposed to model the relation of condensed samples. Intra-class loss aims to create more diverse samples for each class by pushing each sample away from the others of the same class. Meanwhile, inter-class loss increases the discriminability of samples by widening the gap between the centers of different classes. Extensive comparisons with state-of-the-art methods and our ablation studies confirm the effectiveness of our method and its individual component. To our best knowledge, we are the first to successfully conduct condensation on ImageNet-1k.

DiffCloth: Diffusion Based Garment Synthesis and Manipulation via Structural Cross-modal Semantic Alignment

Cross-modal garment synthesis and manipulation will significantly benefit the way fashion designers generate garments and modify their designs via flexible linguistic interfaces.Current approaches follow the general text-to-image paradigm and mine cross-modal relations via simple cross-attention modules, neglecting the structural correspondence between visual and textual representations in the fashion design domain. In this work, we instead introduce DiffCloth, a diffusion-based pipeline for cross-modal garment synthesis and manipulation, which empowers diffusion models with flexible compositionality in the fashion domain by structurally aligning the cross-modal semantics. Specifically, we formulate the part-level cross-modal alignment as a bipartite matching problem between the linguistic Attribute-Phrases (AP) and the visual garment parts which are obtained via constituency parsing and semantic segmentation, respectively. To mitigate the issue of attribute confusion, we further propose a semantic-bundled cross-attention to preserve the spatial structure similarities between the attention maps of attribute adjectives and part nouns in each AP. Moreover, DiffCloth allows for manipulation of the generated results by simply replacing APs in the text prompts. The manipulation-irrelevant regions are recognized by blended masks obtained from the bundled attention maps of the APs and kept unchanged. Extensive experiments on the CM-Fashion benchmark demonstrate that DiffCloth both yields state-of-the-art garment synthesis results by leveraging the inherent structural information and supports flexible manipulation with region consistency.

Free-ATM: Exploring Unsupervised Learning on Diffusion-Generated Images with Free Attention Masks

Despite the rapid advancement of unsupervised learning in visual representation, it requires training on large-scale datasets that demand costly data collection, and pose additional challenges due to concerns regarding data privacy. Recently, synthetic images generated by text-to-image diffusion models, have shown great potential for benefiting image recognition. Although promising, there has been inadequate exploration dedicated to unsupervised learning on diffusion-generated images. To address this, we start by uncovering that diffusion models' cross-attention layers inherently provide annotation-free attention masks aligned with corresponding text inputs on generated images. We then investigate the problems of three prevalent unsupervised learning techniques ( i.e., contrastive learning, masked modeling, and vision-language pretraining) and introduce customized solutions by fully exploiting the aforementioned free attention masks. Our approach is validated through extensive experiments that show consistent improvements in baseline models across various downstream tasks, including image classification, detection, segmentation, and image-text retrieval. By utilizing our method, it is possible to close the performance gap between unsupervised pretraining on synthetic data and real-world scenarios.