Universal multimodal retrieval aims to support diverse instruction-aware retrieval tasks, demanding both efficient corpus-scale matching and fine-grained semantic reasoning. Recent MLLM-based embedding methods typically derive representations from hidden states, while Chain-of-Thought (CoT) reasoning is emerging as a promising strategy for embedding enhancement by encoding intermediate semantic evidence into the representation space. However, existing CoT methods typically use item-wise reasoning over queries and candidates in isolation, providing no explicit evidence to distinguish a positive from a semantically confusable hard negative. Moreover, contrastive embeddings capture global similarity but struggle with meta-tasks requiring answer verification, category judgment or fine-grained reasoning. In this paper, we propose UMER, a Unified Multimodal Embedding and Ranking framework for universal multimodal retrieval. UMER replaces item-wise reflection with Pair-Aware Discriminative Reasoning, which compares query--candidate pairs to identify instruction-relevant matching and discrepancy evidence. UMER jointly learns contrastive embeddings for efficient global matching and discriminative ranking for explicit pairwise relevance judgment within a single MLLM. A complementary mutual distillation strategy further transfers reliable pairwise preferences between the embedding and ranking functions. On the MMEB-V2 benchmark, UMER achieves state-of-the-art performance under comparable experimental settings while supporting budget-adjustable inference.
Geospatial and urban applications increasingly require models to compare heterogeneous evidence across street-view imagery, remote-sensing observations, text descriptions, region proposals, and temporal change cues. However, existing multimodal embedding models and benchmarks are still largely designed and evaluated around general-purpose image-text matching, leaving unclear whether unified embedding space can support heterogeneous geospatial tasks involving spatial relationships, fine-grained semantics, and temporal changes. To address this gap, we make three key contributions. First, we introduce GeoMEB, a large-scale multimodal embedding benchmark that standardizes 45 urban evaluation tasks across retrieval, visual question answering, change detection, classification, and visual grounding, together with training collections comprising 1.32M examples and 286K evaluation queries. Second, we present Geo-Embed, a unified embedding model that adapts a shared vision-language backbone to instruction-conditioned query-target matching over heterogeneous geospatial inputs, including single images, multiple images, text, regions, and masks. On GeoMEB, Geo-Embed achieves the strongest overall performance among representative multimodal embedders, with a 15.3% relative improvement over the strongest baseline. These results motivate future geospatial embedders that organize training and evaluation around explicit query-target relations, including semantic, cross-view, region-level, and temporal correspondence.