Visa Research
Abstract:Recent advances in large language models (LLMs) have enabled their use as conversational recommender systems (CRS), demonstrating strong recommendation accuracy and natural dialogue. However, guiding multi-turn interactions to elicit user preferences effectively remains challenging. Existing approaches either use separate reinforcement learning agents with templated interactions or optimize for interactivity judged by another LLM, without measuring how much useful information is actually gained. We propose a new approach that quantifies the effectiveness of each interaction by the reduction in the assistant's uncertainty, measured via entropy over recommendations. We apply this entropy reduction as a reward---without relying on ground-truth recommendations, which are often unavailable in real-world scenarios---to fine-tune the LLM, enabling strategic interaction generation. Empirical results with supervised fine-tuning (SFT) and direct preference optimization (DPO) on the INSPIRED and ReDial datasets show that our method improves both recommendation quality and conversational efficiency.
Abstract:Automating empirical research is a long-standing direction of AI. Recent automatic research (AutoResearch) agents bring this goal within reach, as modern LLMs show the capability to independently implement solutions and learn from the execution outcomes. Behind these gains, post-training (especially RL) plays a central role. In this paper, we identify a fundamental tension when scaling RL for these agents: the two components of every AutoResearch trajectory (agent generation and environment execution) scale in very different manners, since all generation shares compute through batching, while each execution occupies its exclusive sandbox and real machine time. As a result, the environment execution dominates the training cost and becomes the bottleneck as trajectories grow. To resolve this tension, we propose World Model RL (WMRL), which replaces environment execution with a world model to remove this bottleneck. Additionally, the world model can be imperfect, as its rewards are corrupted by bias and noise. Therefore, we further equip WMRL with two mitigations, Online Debiasing and Inverse-Variance Denoising, which offset the bias and suppress the noise respectively. Theoretically, we prove that both mitigations of WMRL strictly improve the convergence guarantee. Empirically, WMRL accelerates training by 3-4x on various tasks at different agent scales, while exceeding the performance of standard RL baselines. Moreover, our post-trained 4B and 9B agents outperform much larger open-weight agents of 48B and 120B on held-out benchmarks. Beyond AutoResearch, WMRL also transfers to post-training embodied VLA policies, which demonstrates the generalizability of our method.
Abstract:Large language models (LLMs) used as listwise rerankers in recommendation systems suffer from position bias when serializing candidate sets into prompts. We show this order sensitivity creates an exploitable attack surface: an attacker can promote a label-0 target into the top-$k$ solely by reordering candidates, without changing item content, labels, or model parameters. We introduce $\mathrm{promo}@k$ to quantify this vulnerability, measuring the fraction of label-0 targets that can be elevated into top-$k$ rankings via permutation. Evaluating across three domains (MovieLens, Amazon Books, and Amazon Fashion), $\mathrm{promo}@5$ reaches up to 0.57 at an attack budget of $R$ = 50 orderings. Furthermore, ordinary permutation stability predicts vulnerability without running the attack. While a bidirectional T5 encoder scorer reduces exposure, permutation-consistency regularization and architectural invariance effectively mitigate it. Pointwise scoring avoids the bias issue but degrades ranking quality. These results demonstrate that input candidate order in listwise LLM reranking is a security-relevant attack vector. Code and data are available at https://github.com/geoz-lab/position_bias_attack.
Abstract:Diffusion language models (DLMs) have emerged as a promising paradigm for large language models (LLMs), yet the non-deterministic behavior of DLMs remains poorly understood. The existing non-determinism evaluations for LLMs predominantly rely on dataset-level metrics under fixed inference configurations, providing limited insight into how model behavior varies across runs and evaluation conditions. In this work, we show that dataset-level metrics systematically attenuate non-determinism in diffusion language models by aggregating sample-level prediction quality across different runs. As a result, configurations with similar aggregate performance can exhibit substantially different behaviors on individual inputs, leaving fine-grained instability and distinct error patterns uncharacterized. To address this limitation, we conduct a fine-grained evaluation of non-determinism based on sample-level prediction differences across a range of model-related factors-including guidance scale, diffusion steps, and Monte Carlo sampling-as well as system-related factors such as batch size, hardware, and numerical precision. Our analysis reveals that non-determinism in DLMs is pervasive and structured, with code generation exhibiting markedly higher sensitivity to factor-level choices than question answering. To attribute sources of non-determinism evaluation, we introduce Factor Variance Attribution (FVA), a cross-factor analysis metric that decomposes observed non-determinism into variance attributable to different evaluation factor settings. Our findings highlight the need for fine-grained, factor-aware evaluation to enable reliable non-determinism assessment of diffusion language models.
Abstract: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.
Abstract:Diffusion models have shown strong performance in generating high-quality tabular data, but they carry privacy risks by reproducing exact training samples. While prior work focuses on dataset-level augmentation to reduce memorization, little is known about which individual samples contribute most. We present the first data-centric study of memorization dynamics in tabular diffusion models. We quantify memorization for each real sample based on how many generated samples are flagged as replicas, using a relative distance ratio. Our empirical analysis reveals a heavy-tailed distribution of memorization counts: a small subset of samples contributes disproportionately to leakage, confirmed via sample-removal experiments. To understand this, we divide real samples into top- and non-top-memorized groups and analyze their training-time behaviors. We track when each sample is first memorized and monitor per-epoch memorization intensity (AUC). Memorized samples are memorized slightly earlier and show stronger signals in early training. Based on these insights, we propose DynamicCut, a two-stage, model-agnostic mitigation method: (a) rank samples by epoch-wise intensity, (b) prune a tunable top fraction, and (c) retrain on the filtered dataset. Across multiple tabular datasets and models, DynamicCut reduces memorization with minimal impact on data diversity and downstream performance. It also complements augmentation-based defenses. Furthermore, DynamicCut enables cross-model transferability: high-ranked samples identified from one model (e.g., a diffusion model) are also effective for reducing memorization when removed from others, such as GANs and VAEs.
Abstract:Deep Neural Networks (DNNs) are extensively used in collaborative filtering due to their impressive effectiveness. These systems depend on interaction data to learn user and item embeddings that are crucial for recommendations. However, the data often suffers from sparsity and imbalance issues: limited observations of user-item interactions can result in sub-optimal performance, and a predominance of interactions with popular items may introduce recommendation bias. To address these challenges, we employ Pretrained Language Models (PLMs) to enhance the interaction data with textual information, leading to a denser and more balanced dataset. Specifically, we propose a simple yet effective data augmentation method (SimAug) based on the textual similarity from PLMs, which can be seamlessly integrated to any systems as a lightweight, plug-and-play component in the pre-processing stage. Our experiments across nine datasets consistently demonstrate improvements in both utility and fairness when training with the augmented data generated by SimAug. The code is available at https://github.com/YuyingZhao/SimAug.




Abstract:Time series forecasting at scale presents significant challenges for modern prediction systems, particularly when dealing with large sets of synchronized series, such as in a global payment network. In such systems, three key challenges must be overcome for accurate and scalable predictions: 1) emergence of new entities, 2) disappearance of existing entities, and 3) the large number of entities present in the data. The recently proposed Inverted Transformer (iTransformer) architecture has shown promising results by effectively handling variable entities. However, its practical application in large-scale settings is limited by quadratic time and space complexity ($O(N^2)$) with respect to the number of entities $N$. In this paper, we introduce EiFormer, an improved inverted transformer architecture that maintains the adaptive capabilities of iTransformer while reducing computational complexity to linear scale ($O(N)$). Our key innovation lies in restructuring the attention mechanism to eliminate redundant computations without sacrificing model expressiveness. Additionally, we incorporate a random projection mechanism that not only enhances efficiency but also improves prediction accuracy through better feature representation. Extensive experiments on the public LargeST benchmark dataset and a proprietary large-scale time series dataset demonstrate that EiFormer significantly outperforms existing methods in both computational efficiency and forecasting accuracy. Our approach enables practical deployment of transformer-based forecasting in industrial applications where handling time series at scale is essential.




Abstract:Spatio-temporal data, which commonly arise in real-world applications such as traffic monitoring, financial transactions, and ride-share demands, represent a special category of multivariate time series. They exhibit two distinct characteristics: high dimensionality and commensurability across spatial locations. These attributes call for computationally efficient modeling approaches and facilitate the use of univariate forecasting models in a channel-independent fashion. SparseTSF, a recently introduced competitive univariate forecasting model, harnesses periodicity to achieve compactness by concentrating on cross-period dynamics, thereby extending the Pareto frontier with respect to model size and predictive performance. Nonetheless, it underperforms on spatio-temporal data due to an inadequate capture of intra-period temporal dependencies. To address this shortcoming, we propose UltraSTF, which integrates a cross-period forecasting module with an ultra-compact shape bank component. Our model effectively detects recurring patterns in time series through the attention mechanism of the shape bank component, thereby strengthening its ability to learn intra-period dynamics. UltraSTF achieves state-of-the-art performance on the LargeST benchmark while employing fewer than 0.2% of the parameters required by the second-best approaches, thus further extending the Pareto frontier of existing methods.



Abstract:To deal with distribution shifts in graph data, various graph out-of-distribution (OOD) generalization techniques have been recently proposed. These methods often employ a two-step strategy that first creates augmented environments and subsequently identifies invariant subgraphs to improve generalizability. Nevertheless, this approach could be suboptimal from the perspective of consistency. First, the process of augmenting environments by altering the graphs while preserving labels may lead to graphs that are not realistic or meaningfully related to the origin distribution, thus lacking distribution consistency. Second, the extracted subgraphs are obtained from directly modifying graphs, and may not necessarily maintain a consistent predictive relationship with their labels, thereby impacting label consistency. In response to these challenges, we introduce an innovative approach that aims to enhance these two types of consistency for graph OOD generalization. We propose a modifier to obtain both augmented and invariant graphs in a unified manner. With the augmented graphs, we enrich the training data without compromising the integrity of label-graph relationships. The label consistency enhancement in our framework further preserves the supervision information in the invariant graph. We conduct extensive experiments on real-world datasets to demonstrate the superiority of our framework over other state-of-the-art baselines.