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Sep 10

A Semi-supervised Graph Attentive Network for Financial Fraud Detection

With the rapid growth of financial services, fraud detection has been a very important problem to guarantee a healthy environment for both users and providers. Conventional solutions for fraud detection mainly use some rule-based methods or distract some features manually to perform prediction. However, in financial services, users have rich interactions and they themselves always show multifaceted information. These data form a large multiview network, which is not fully exploited by conventional methods. Additionally, among the network, only very few of the users are labelled, which also poses a great challenge for only utilizing labeled data to achieve a satisfied performance on fraud detection. To address the problem, we expand the labeled data through their social relations to get the unlabeled data and propose a semi-supervised attentive graph neural network, namedSemiGNN to utilize the multi-view labeled and unlabeled data for fraud detection. Moreover, we propose a hierarchical attention mechanism to better correlate different neighbors and different views. Simultaneously, the attention mechanism can make the model interpretable and tell what are the important factors for the fraud and why the users are predicted as fraud. Experimentally, we conduct the prediction task on the users of Alipay, one of the largest third-party online and offline cashless payment platform serving more than 4 hundreds of million users in China. By utilizing the social relations and the user attributes, our method can achieve a better accuracy compared with the state-of-the-art methods on two tasks. Moreover, the interpretable results also give interesting intuitions regarding the tasks.

  • 10 authors
·
Feb 28, 2020

The User Asks, Platforms Compete: How Agentic Recommendation Markets Take Shape

Online recommendation has traditionally taken place after a user enters a platform, which determines the candidate pool and the ranking shown to the user. LLM-based user agents enable a different recommendation process: a user specifies a need before choosing a platform, leaving platforms to compete for the user's attention, which we refer to as an agentic recommendation market. In our controlled LLM-based experiments across three product domains, we find this new setting of recommendation creates a tension between access and attention. Compared with traditional platform-centric recommendation, user-centric recommendation greatly expands the opportunity for relevant items to enter comparison; yet broader participation does not translate directly into effective exposure. Competition directly triggers platforms' strategic play: selectively positive explanations occupy 73--78% of first-ranked positions. When the user agent relates platforms' actions to subsequent user feedback, this share falls to 36--41%, while the chance of a user purchasing the relevant item increases. A user agent is therefore more than a ranker over a larger pool of candidates: its querying, ranking, and feedback mechanism governing who can compete, how scarce attention is allocated, and how earlier outcomes shape the evaluation of platforms directly affect user utility. Designing agentic recommendation therefore requires treating access, attention, and accountability as a joint mechanism design problem.

  • 6 authors
·
Jul 28

Online Information Acquisition: Hiring Multiple Agents

We investigate the mechanism design problem faced by a principal who hires multiple agents to gather and report costly information. Then, the principal exploits the information to make an informed decision. We model this problem as a game, where the principal announces a mechanism consisting in action recommendations and a payment function, a.k.a. scoring rule. Then, each agent chooses an effort level and receives partial information about an underlying state of nature based on the effort. Finally, the agents report the information (possibly non-truthfully), the principal takes a decision based on this information, and the agents are paid according to the scoring rule. While previous work focuses on single-agent problems, we consider multi-agents settings. This poses the challenge of coordinating the agents' efforts and aggregating correlated information. Indeed, we show that optimal mechanisms must correlate agents' efforts, which introduces externalities among the agents, and hence complex incentive compatibility constraints and equilibrium selection problems. First, we design a polynomial-time algorithm to find an optimal incentive compatible mechanism. Then, we study an online problem, where the principal repeatedly interacts with a group of unknown agents. We design a no-regret algorithm that provides mathcal{O}(T^{2/3}) regret with respect to an optimal mechanism, matching the state-of-the-art bound for single-agent settings.

  • 3 authors
·
Jul 12, 2023 1

G-Refer: Graph Retrieval-Augmented Large Language Model for Explainable Recommendation

Explainable recommendation has demonstrated significant advantages in informing users about the logic behind recommendations, thereby increasing system transparency, effectiveness, and trustworthiness. To provide personalized and interpretable explanations, existing works often combine the generation capabilities of large language models (LLMs) with collaborative filtering (CF) information. CF information extracted from the user-item interaction graph captures the user behaviors and preferences, which is crucial for providing informative explanations. However, due to the complexity of graph structure, effectively extracting the CF information from graphs still remains a challenge. Moreover, existing methods often struggle with the integration of extracted CF information with LLMs due to its implicit representation and the modality gap between graph structures and natural language explanations. To address these challenges, we propose G-Refer, a framework using graph retrieval-augmented large language models (LLMs) for explainable recommendation. Specifically, we first employ a hybrid graph retrieval mechanism to retrieve explicit CF signals from both structural and semantic perspectives. The retrieved CF information is explicitly formulated as human-understandable text by the proposed graph translation and accounts for the explanations generated by LLMs. To bridge the modality gap, we introduce knowledge pruning and retrieval-augmented fine-tuning to enhance the ability of LLMs to process and utilize the retrieved CF information to generate explanations. Extensive experiments show that G-Refer achieves superior performance compared with existing methods in both explainability and stability. Codes and data are available at https://github.com/Yuhan1i/G-Refer.

  • 7 authors
·
Feb 18, 2025 1

Modeling Cascaded Delay Feedback for Online Net Conversion Rate Prediction: Benchmark, Insights and Solutions

In industrial recommender systems, conversion rate (CVR) is widely used for traffic allocation, but it fails to fully reflect recommendation effectiveness because it ignores refund behavior. To better capture true user satisfaction and business value, net conversion rate (NetCVR), defined as the probability that a clicked item is purchased and not refunded, has been proposed.Unlike CVR, NetCVR prediction involves a more complex multi-stage cascaded delayed feedback process. The two cascaded delays from click to conversion and from conversion to refund have opposite effects, making traditional CVR modeling methods inapplicable. Moreover, the lack of open-source datasets and online continuous training schemes further hinders progress in this area.To address these challenges, we introduce CASCADE (Cascaded Sequences of Conversion and Delayed Refund), the first large-scale open dataset derived from the Taobao app for online continuous NetCVR prediction. Through an in-depth analysis of CASCADE, we identify three key insights: (1) NetCVR exhibits strong temporal dynamics, necessitating online continuous modeling; (2) cascaded modeling of CVR and refund rate outperforms direct NetCVR modeling; and (3) delay time, which correlates with both CVR and refund rate, is an important feature for NetCVR prediction.Based on these insights, we propose TESLA, a continuous NetCVR modeling framework featuring a CVR-refund-rate cascaded architecture, stage-wise debiasing, and a delay-time-aware ranking loss. Extensive experiments demonstrate that TESLA consistently outperforms state-of-the-art methods on CASCADE, achieving absolute improvements of 12.41 percent in RI-AUC and 14.94 percent in RI-PRAUC on NetCVR prediction. The code and dataset are publicly available at https://github.com/alimama-tech/NetCVR.

  • 11 authors
·
Jan 27

Don't Guess, Just Ask: Resolving Ambiguity in Referring Segmentation via Multi-turn Clarification

Referring segmentation aims to segment the target objects in images or videos based on the textual query. Despite remarkable progress over the past years, existing works always assume that the user-provided queries are already precise and clear. However, this assumption is impractical. In real-world scenarios, it is unrealistic to expect all users to thoroughly review their visual content and carefully ensure their queries are unique and unambiguous. When encountering such cases, existing segmentation models tend to arbitrarily guess the user preferences, often resulting in undesired outcomes. To address this limitation, we propose IC-Seg, a novel agentic framework that proactively clarifies user intent through multi-turn conversation before segmentation. To effectively incentivize this capability, we further introduce Hi-GRPO, a new hierarchical optimization strategy that injects dense and informative supervision signals at the trajectory, turn, and step levels. This strategy encourages efficient intent clarification, effectively eliminating redundant interactions and improving overall dialogue quality. For evaluation, we establish Ambi-RVOS, a referring video object segmentation benchmark with ambiguous user queries. Extensive experiments demonstrate that IC-Seg not only outperforms existing methods by a large margin in resolving ambiguous queries, but also maintains state-of-the-art performance on standard reasoning segmentation benchmarks. Code and data will be released at https://github.com/iSEE-Laboratory/IC-Seg.

RefHCM: A Unified Model for Referring Perceptions in Human-Centric Scenarios

Human-centric perceptions play a crucial role in real-world applications. While recent human-centric works have achieved impressive progress, these efforts are often constrained to the visual domain and lack interaction with human instructions, limiting their applicability in broader scenarios such as chatbots and sports analysis. This paper introduces Referring Human Perceptions, where a referring prompt specifies the person of interest in an image. To tackle the new task, we propose RefHCM (Referring Human-Centric Model), a unified framework to integrate a wide range of human-centric referring tasks. Specifically, RefHCM employs sequence mergers to convert raw multimodal data -- including images, text, coordinates, and parsing maps -- into semantic tokens. This standardized representation enables RefHCM to reformulate diverse human-centric referring tasks into a sequence-to-sequence paradigm, solved using a plain encoder-decoder transformer architecture. Benefiting from a unified learning strategy, RefHCM effectively facilitates knowledge transfer across tasks and exhibits unforeseen capabilities in handling complex reasoning. This work represents the first attempt to address referring human perceptions with a general-purpose framework, while simultaneously establishing a corresponding benchmark that sets new standards for the field. Extensive experiments showcase RefHCM's competitive and even superior performance across multiple human-centric referring tasks. The code and data are publicly at https://github.com/JJJYmmm/RefHCM.

  • 5 authors
·
Dec 19, 2024

Unified Dual-Intent Translation for Joint Modeling of Search and Recommendation

Recommendation systems, which assist users in discovering their preferred items among numerous options, have served billions of users across various online platforms. Intuitively, users' interactions with items are highly driven by their unchanging inherent intents (e.g., always preferring high-quality items) and changing demand intents (e.g., wanting a T-shirt in summer but a down jacket in winter). However, both types of intents are implicitly expressed in recommendation scenario, posing challenges in leveraging them for accurate intent-aware recommendations. Fortunately, in search scenario, often found alongside recommendation on the same online platform, users express their demand intents explicitly through their query words. Intuitively, in both scenarios, a user shares the same inherent intent and the interactions may be influenced by the same demand intent. It is therefore feasible to utilize the interaction data from both scenarios to reinforce the dual intents for joint intent-aware modeling. But the joint modeling should deal with two problems: 1) accurately modeling users' implicit demand intents in recommendation; 2) modeling the relation between the dual intents and the interactive items. To address these problems, we propose a novel model named Unified Dual-Intents Translation for joint modeling of Search and Recommendation (UDITSR). To accurately simulate users' demand intents in recommendation, we utilize real queries from search data as supervision information to guide its generation. To explicitly model the relation among the triplet <inherent intent, demand intent, interactive item>, we propose a dual-intent translation propagation mechanism to learn the triplet in the same semantic space via embedding translations. Extensive experiments demonstrate that UDITSR outperforms SOTA baselines both in search and recommendation tasks.

  • 10 authors
·
Jun 30, 2024

Large Foundation Model for Ads Recommendation

Online advertising relies on accurate recommendation models, with recent advances using pre-trained large-scale foundation models (LFMs) to capture users' general interests across multiple scenarios and tasks. However, existing methods have critical limitations: they extract and transfer only user representations (URs), ignoring valuable item representations (IRs) and user-item cross representations (CRs); and they simply use a UR as a feature in downstream applications, which fails to bridge upstream-downstream gaps and overlooks more transfer granularities. In this paper, we propose LFM4Ads, an All-Representation Multi-Granularity transfer framework for ads recommendation. It first comprehensively transfers URs, IRs, and CRs, i.e., all available representations in the pre-trained foundation model. To effectively utilize the CRs, it identifies the optimal extraction layer and aggregates them into transferable coarse-grained forms. Furthermore, we enhance the transferability via multi-granularity mechanisms: non-linear adapters for feature-level transfer, an Isomorphic Interaction Module for module-level transfer, and Standalone Retrieval for model-level transfer. LFM4Ads has been successfully deployed in Tencent's industrial-scale advertising platform, processing tens of billions of daily samples while maintaining terabyte-scale model parameters with billions of sparse embedding keys across approximately two thousand features. Since its production deployment in Q4 2024, LFM4Ads has achieved 10+ successful production launches across various advertising scenarios, including primary ones like Weixin Moments and Channels. These launches achieve an overall GMV lift of 2.45% across the entire platform, translating to estimated annual revenue increases in the hundreds of millions of dollars.

  • 33 authors
·
Aug 20, 2025

Retrofitting Recurrent Depth into a Pretrained Language Model: Installation, Extrapolation, Transfer, and Retention at Two Parameter Budgets

A dense, pretrained language model can be retrofitted with recurrent depth and learn an iterative latent transition that persists after outcome-only annealing. Qwen2.5-0.5B-Instruct is split into a Prelude, a weight-tied Recurrent Block, and a Coda, with an identity-preserving one-loop path and a re-entry bridge on later loops. At loop 1 the retrofit remains non-inferior to its base on a preregistered ARC battery. Three findings. First, the mechanism is a reusable procedure rather than terminal-answer lookup, and installs at two budgets: 6M trained parameters over frozen base weights and 180M full-block. With intermediate-step supervision, the model computes one task step per loop and persists when only final answers are graded. The adapter matched the full block overall (83.8% versus 84.0%), led through depth 11, and trailed beyond. Verbal fine-tuning reached 79-86% on controlled verbal renderings (zero-shot transfer was minimal), and adapter verbal training begun from the installed mechanism outpaced matched fresh training by 18.6 points, including on a held-out test set. Second, the operation extrapolates to roughly 1.5 times its supervised depth, holding 70% accuracy through depth 18. Third, a same-size scratchpad-trained model matched the recurrent model within its learned horizon but collapsed beyond it. The recurrent model won overall, 84% versus 72%, retained 53% versus 2.5% beyond depth 10, and answered 7.6 times faster. An iterative transformer can therefore perform deeper reasoning in latent space faster than comparable or larger models fine-tuned on the same task, in a system-level comparison. A second task, running the rule in reverse, exposed the limits: the inverse was learnable in isolation, but no continuation acquired it while preserving the installed mechanism and general capability, a catastrophic-interference boundary. Learned depth selection remains open.

  • 1 authors
·
Jul 30

ReferTrack: Referring Then Tracking for Embodied Visual Tracking

Embodied visual tracking (EVT) requires a mobile agent to continuously follow a specific target described in natural language using only onboard vision. While recent vision-language-action (VLA) policies unify target identification and trajectory planning, their chain-of-thought (CoT) reasoning often operates in abstract spatial latents that are difficult to supervise and weakly aligned with explicit image-space detections. To address this, we introduce ReferTrack, a referring-then-tracking paradigm that grounds EVT using a single forward-facing camera. Our model first selects the target from an indexed set of bounding boxes, then decodes tracking waypoints conditioned on this image-grounded decision. To preserve target motion cues over time, ReferTrack maintains a sliding-window queue of previously selected bounding boxes, injecting their geometric features into the visual history via temporal-viewpoint-bbox indicator (TVBI) tokens. We further enhance target identification by co-training on a custom Refer-QA dataset. On EVT-Bench, ReferTrack achieves state-of-the-art single-view performance with success rates of 89.4%, 73.3%, and 74.1% on the single-target, distracted, and ambiguity tracking splits, respectively -- matching or even surpassing several multi-camera baselines on identification-heavy tasks. Finally, real-world deployments on legged and humanoid robots validate its robust sim-to-real transfer capabilities. Code is available at https://github.com/MedlarTea/referTrack.

tencent Tencent
·
Jul 21 11

Disentangling Answer Engine Optimization from Platform Growth: A Log-Based Natural Experiment on ChatGPT Referral Traffic

Large language model (LLM) "answer engines" such as ChatGPT now send measurable referral traffic to the open web, and a practice analogous to search engine optimization, here called Answer Engine Optimization (AEO), has emerged. Public AEO success stories typically quote large raw growth multiples, but raw referral growth is confounded by the rapid platform-level growth of the answer engines themselves. We report a longitudinal field study on a single high-traffic domain (glasp.co) whose corpus of hundreds of thousands of YouTube question-and-answer pages received a defined bundle of AEO interventions in January 2026 (detailed in Section 4). Because the interventions were concentrated on one subset of the site, the untreated remainder of the same domain acts as a contemporaneous control that absorbs the platform tailwind. Using first-party analytics and server logs rather than probabilistic third-party estimators, we find: (1) raw growth is dominated by the platform tailwind: on monthly aggregates total ChatGPT referrals grew 5.7x while untreated pages on the same domain grew 3.5x over the same window; (2) an interrupted time-series model on the weekly treated/control ratio estimates a discrete, intervention-aligned level increase of 1.82x (95% CI 1.31-2.54, HAC p=0.001), robust across engagement-filtered traffic (2.27x) and alternative specifications; (3) however, a conservative placebo-in-time permutation test yields p=0.16, so the effect is suggestive, not conclusive, given a short and noisy pre-period; and (4) Google organic clicks to treated pages did not fall beyond the ambient site-wide trend and indexation was preserved, consistent with the SEO-protection rule. The methodological message, separating treatment from platform tailwind with an on-domain control, matters more than any single multiple, and implies that headline AEO multiples substantially overstate causal effect.

  • 2 authors
·
Jun 2 1