Yuzhong Chen

Yingtong Dou, Zhimeng Jiang, Tianyi Zhang et al.

We present TransactionGPT (TGPT), a foundation model for consumer transaction data within one of world's largest payment networks. TGPT is designed to understand and generate transaction trajectories while simultaneously supporting a variety of downstream prediction and classification tasks. We introduce a novel 3D-Transformer architecture specifically tailored for capturing the complex dynamics in payment transaction data. This architecture incorporates design innovations that enhance modality fusion and computational efficiency, while seamlessly enabling joint optimization with downstream objectives. Trained on billion-scale real-world transactions, TGPT significantly improves downstream classification performance against a competitive production model and exhibits advantages over baselines in generating future transactions. We conduct extensive empirical evaluations utilizing a diverse collection of company transaction datasets spanning multiple downstream tasks, thereby enabling a thorough assessment of TGPT's effectiveness and efficiency in comparison to established methodologies. Furthermore, we examine the incorporation of LLM-derived embeddings within TGPT and benchmark its performance against fine-tuned LLMs, demonstrating that TGPT achieves superior predictive accuracy as well as faster training and inference. We anticipate that the architectural innovations and practical guidelines from this work will advance foundation models for transaction-like data and catalyze future research in this emerging field.

Rui Xu, Yuzhen Niu, Yuezhou Li et al.

Existing low-light image enhancement (LLIE) and joint LLIE and deblurring (LLIE-deblur) models have made strides in addressing predefined degradations, yet they are often constrained by dynamically coupled degradations. To address these challenges, we introduce a Unified Receptance Weighted Key Value (URWKV) model with multi-state perspective, enabling flexible and effective degradation restoration for low-light images. Specifically, we customize the core URWKV block to perceive and analyze complex degradations by leveraging multiple intra- and inter-stage states. First, inspired by the pupil mechanism in the human visual system, we propose Luminance-adaptive Normalization (LAN) that adjusts normalization parameters based on rich inter-stage states, allowing for adaptive, scene-aware luminance modulation. Second, we aggregate multiple intra-stage states through exponential moving average approach, effectively capturing subtle variations while mitigating information loss inherent in the single-state mechanism. To reduce the degradation effects commonly associated with conventional skip connections, we propose the State-aware Selective Fusion (SSF) module, which dynamically aligns and integrates multi-state features across encoder stages, selectively fusing contextual information. In comparison to state-of-the-art models, our URWKV model achieves superior performance on various benchmarks, while requiring significantly fewer parameters and computational resources.