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A Novel Predictive Model for Housing Loan Default using Feature Generation and Explainable AI 基于特征生成和可解释人工智能的住房贷款违约预测模型
Pub Date : 2023-01-09 DOI: 10.1109/DeSE58274.2023.10099796
M. Mahyoub, Shatha Ghareeb, J. Mustafina
Home Loan plays a pivotal role in today's age when one steps into purchasing their home. It has been witnessed that in many cases users are unable to pay the after taking the loan and thus the loan is slipped to NPA(Non-Performing Asset) from Standard Asset for the bank or any lending institution. The revenue generation is ceased. As the housing loan is taken against property the lenders have right to sell the property and close the dues, but the process is lengthy as judicial procedures are involved. In most cases, the property value is much less than the calculated loan amount (Principal + Interest). In this study we examined the several ML methods to identify the loan default before disbursing the loan to the applicant. This matter has been studied widely and used the predictive analytics to find out the relationship between attributes and the target variable. Predictive Analytics enables us to feed optimal set of features to the ML models. The study started with 122 attributes and ended up with around 30% of features as the ideal subset for housing loan default prediction. Then, five ML models were fit into the dataset and the champion model came up with roc score 0.94, Recall 0.90 and Precision 0.94. LIME and SHAP were applied on the champion model along with the dataset for global and local interpretability. The experimental procedure concluded that ML models along with predictive analytics can arrest the loan disbursal to the ineligible applicants and will also provide the insight of such prediction with the help of model interpretability.
住房贷款起着举足轻重的作用,在今天的时代,当一个人进入购买自己的房子。在许多情况下,用户在获得贷款后无法偿还贷款,因此贷款从银行或任何贷款机构的标准资产滑入NPA(不良资产)。创收停止了。由于住房贷款是以财产为抵押的,贷款人有权出售财产并结清欠款,但由于涉及司法程序,这一过程很漫长。在大多数情况下,物业价值远低于计算的贷款金额(本金+利息)。在本研究中,我们检查了几种ML方法,以便在向申请人支付贷款之前识别贷款违约。这一问题得到了广泛的研究,并利用预测分析来找出属性与目标变量之间的关系。预测分析使我们能够为ML模型提供最优的特征集。这项研究从122个属性开始,最终得到了大约30%的特征,作为住房贷款违约预测的理想子集。然后,将5个ML模型拟合到数据集中,冠军模型的roc得分为0.94,召回率为0.90,精度为0.94。LIME和SHAP与数据集一起应用于冠军模型,以获得全局和局部可解释性。实验过程得出的结论是,机器学习模型和预测分析可以阻止贷款发放给不合格的申请人,并且还将在模型可解释性的帮助下提供这种预测的洞察力。
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引用次数: 0
CNN Aided Surface Inspection for SMT Manufacturing CNN辅助表面检测用于SMT制造
Pub Date : 2023-01-09 DOI: 10.1109/DeSE58274.2023.10099694
Mee Chun Loo, R. Logeswaran, Zailan Arabee bin Abdul Salam
Automated optical inspection (AOI) is a visual defect inspection system. The semiconductor industry has a strong dependency on AOI for defects screening. Conventional AOI is inadequate for some inspections, especially surface defects like crack, chip and void, and the algorithms are inefficient in isolating the defects from product variants. Convolutional Neural Network (CNN) had been broadly studied and adopted to replace the conventional AOI in surface inspection. There are many CNN architectures developed in the past decade for image classification, such as AlexNet, GoogLeNet, ResNet, VGGNet, etc.; each with its own strength in terms of accuracy and speed. The training process could be speeded up too using techniques such as transfer learning from pre-trained CNN models. Newer techniques in vector programming on kernels, e.g., Single Instruction Multiple Data (SIMD) and depth wise separable method can further increase the efficiency of convolutional layer activation functions. CNN algorithms for surface inspection are found to be very promising, with defect classification able to achieve accuracies of 91-99% on the wide range of products. The CNN result outperforms conventional surface inspection methods like edge detection and machine learning algorithms.
自动光学检测(AOI)是一种视觉缺陷检测系统。半导体工业对AOI的缺陷筛选有很强的依赖性。传统的AOI对某些缺陷的检测是不够的,特别是表面缺陷,如裂纹、切屑和空洞,并且算法在从产品变体中分离缺陷方面效率低下。卷积神经网络(Convolutional Neural Network, CNN)在表面检测中得到了广泛的研究和应用,以取代传统的AOI。在过去的十年中,有许多用于图像分类的CNN架构被开发出来,如AlexNet、GoogLeNet、ResNet、VGGNet等;在准确性和速度方面,每个都有自己的优势。训练过程也可以使用从预训练的CNN模型中迁移学习等技术来加速。新的核向量编程技术,如单指令多数据(SIMD)和深度可分方法,可以进一步提高卷积层激活函数的效率。CNN算法在表面检测方面非常有前景,在很大范围的产品上,缺陷分类的准确率可以达到91-99%。CNN的结果优于传统的表面检测方法,如边缘检测和机器学习算法。
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引用次数: 1
Using Simulation for Investigating Emergency Traffic Situations 利用模拟技术调查紧急交通状况
Pub Date : 2023-01-09 DOI: 10.1109/DeSE58274.2023.10099681
I. Makarova, G. Yakupova, P. Buyvol, E. Mukhametdinov, A. Abashev, J. Mustafina
When managing the transport system of an urbanized area, infrastructural changes cannot always solve transport problems. At the same time, organizational measures implemented within the framework of an intelligent transport system can be effective. To make operational and strategic decisions, it is necessary to form a base of typical emergency situations, having previously studied them on a simulation model. For this, we have chosen a micro-simulation method, which allows taking into account the stochastic nature of the traffic flow. As a result of a computer experiment, we have obtained estimates of changes in parameters (average time for a vehicle to cross an intersection in all directions, average speed) when emergencies of a given duration occur at a T-shaped intersection. The novelty of the proposed approach lies in the possibility of assessing the nature of the emergency situations' development for various values of influencing factors.
在管理城市化地区的交通系统时,基础设施的变化并不总能解决交通问题。与此同时,在智能交通系统框架内实施的组织措施可能是有效的。为了做出行动和战略决策,有必要建立一个典型紧急情况的基础,之前已经在仿真模型上对它们进行了研究。为此,我们选择了一种微观模拟方法,它可以考虑到交通流的随机性。作为计算机实验的结果,我们得到了在给定时间的紧急情况发生在t形十字路口时参数变化的估计(车辆在各个方向上穿过十字路口的平均时间,平均速度)。所提议的方法的新颖之处在于有可能根据各种影响因素的价值来评估紧急情况发展的性质。
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引用次数: 0
Dezvent - Digitalizing Attendance System with 2FA and Face Recognition Implementation 数字化考勤系统与2FA和人脸识别的实现
Pub Date : 2023-01-09 DOI: 10.1109/DeSE58274.2023.10100308
Zoe Lim Mei Yi, Julia Juremi
The traditional way of taking attendance has been said to be inefficient and had to take a longer time to mark every attendee's presence. With that in mind, the research aims to eliminate the issue brought by the manual attendance system by developing a web-based attendance system that can record attendance in a faster and more effective way with the implementation of a face recognition system. The attendance will be taken with just one scan of the face of the attendees, ensuring their presence at the event. Not only that but also with the implementation of two-factor authentication (2FA) to develop a secure web-based system, as well as to protect users against cyber-attack. This system not only solved the problems brought by the current attendance system but also protects the environment by eliminating the need of using paper to record attendance.
据说,传统的考勤方式效率低下,而且需要花更长的时间来标记每位与会者的出席情况。基于此,本研究旨在通过开发一种基于网络的考勤系统,通过人脸识别系统的实现,可以更快、更有效地记录考勤,从而消除人工考勤系统带来的问题。只需扫一眼与会者的脸,就能确保他们出席活动。不仅如此,还可以通过实施双因素认证(2FA)来开发一个安全的基于web的系统,并保护用户免受网络攻击。该系统既解决了现有考勤系统带来的问题,又避免了使用纸质考勤,保护了环境。
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引用次数: 0
Sign Language Recognition using Deep Learning 使用深度学习的手语识别
Pub Date : 2023-01-09 DOI: 10.1109/DeSE58274.2023.10100055
M. Mahyoub, F. Natalia, S. Sudirman, J. Mustafina
Sign Language Recognition is a form of action recognition problem. The purpose of such a system is to automatically translate sign words from one language to another. While much work has been done in the SLR domain, it is a broad area of study and numerous areas still need research attention. The work that we present in this paper aims to investigate the suitability of deep learning approaches in recognizing and classifying words from video frames in different sign languages. We consider three sign languages, namely Indian Sign Language, American Sign Language, and Turkish Sign Language. Our methodology employs five different deep learning models with increasing complexities. They are a shallow four-layer Convolutional Neural Network, a basic VGG16 model, a VGG16 model with Attention Mechanism, a VGG16 model with Transformer Encoder and Gated Recurrent Units-based Decoder, and an Inflated 3D model with the same. We trained and tested the models to recognize and classify words from videos in three different sign language datasets. From our experiment, we found that the performance of the models relates quite closely to the model's complexity with the Inflated 3D model performing the best. Furthermore, we also found that all models find it more difficult to recognize words in the American Sign Language dataset than the others.
手语识别是动作识别问题的一种形式。这种系统的目的是自动将手语从一种语言翻译成另一种语言。虽然在单反领域已经做了很多工作,但它是一个广泛的研究领域,还有许多领域需要关注。我们在本文中提出的工作旨在研究深度学习方法在识别和分类不同手语视频帧中的单词方面的适用性。我们考虑三种手语,即印度手语,美国手语和土耳其手语。我们的方法采用了五种不同的深度学习模型,其复杂性不断增加。它们是浅四层卷积神经网络,基本VGG16模型,带注意机制的VGG16模型,带变压器编码器和基于门控循环单元的解码器的VGG16模型,以及具有相同功能的充气3D模型。我们训练并测试了这些模型,以识别和分类三种不同的手语数据集中的视频中的单词。从实验中,我们发现模型的性能与模型的复杂性密切相关,其中充气3D模型表现最好。此外,我们还发现所有模型都发现在美国手语数据集中识别单词比其他模型更难。
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引用次数: 0
An Efficient Approach for Resilience and Reliability Against Cascading Failure 针对级联故障的弹性和可靠性的有效方法
Pub Date : 2023-01-09 DOI: 10.1109/DeSE58274.2023.10100283
D. M. Vistro, A. Rehman, Zufishan Hameed
Cloud computing becoming popular now day as, the world is moving towards vitalization and it provide resource to the users depending on their needs by using different resource allocation technique. Resilience and reliability is one of the major issue while dealing with cloud computing. Mitigation failure and migration failure are the issues in cloud resilience and reliability services which cause many service level objective violation. Many work have been done to improve the quality of resilience and reliability. The aim of this paper is to provide a better technique to avoid and recover from mitigation failure and a reliable resource allocation approach at minimum possible cost, for this purpose we used Cascading Failure Resilience System (CSFR) technique. Comparative analyses done to validate our approach and the results shows that our approach handle mitigation failure in an efficient way as well as it provide reliability while providing resources to the users at a comparative low cost.
随着世界走向生机勃勃的今天,云计算开始流行起来,它通过使用不同的资源分配技术,根据用户的需要为用户提供资源。弹性和可靠性是处理云计算时的主要问题之一。缓解失败和迁移失败是云弹性和可靠性服务中存在的问题,会导致许多服务水平目标的违背。为了提高弹性和可靠性的质量,已经做了许多工作。本文的目的是提供一种更好的技术来避免和恢复缓解故障和可靠的资源分配方法,以尽可能低的成本,为此我们使用了级联故障恢复系统(CSFR)技术。为验证我们的方法而进行的比较分析结果表明,我们的方法以有效的方式处理缓解故障,并在以相对较低的成本向用户提供资源的同时提供可靠性。
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引用次数: 0
Intracranial hemorrhage detection and classification from CT images based on multiple features and machine learning approaches 基于多特征和机器学习方法的CT图像颅内出血检测与分类
Pub Date : 2023-01-09 DOI: 10.1109/DeSE58274.2023.10099988
Mohammad A. Abdul Majeed, Omar Munthir Al Okashi, Azmi Tawfeq Alrawi
The regulating organ of the body is the brain. Early diagnosis of brain disorders can have a significant impact on efforts to treat them. A brain hemorrhage is a form of stroke caused by a bursting artery in the brain, resulting in bleeding in the surrounding tissues. Through a brain Computed Tomography (CT) scan, brain hemorrhage can be identified. CT is the most extensively used diagnostic imaging technology for identifying brain illnesses due to its speed, low cost, and wide variety of uses. During a CT scan, a small X-ray beam revolves around the body to capture a sequence of images from different angles. The computer then produces a cross-sectional representation of the body. Intracranial hemorrhage (ICH) is a medical condition that requires prompt identification and treatment. Since ICH early detection and therapy can improve health outcomes, there is a need for a triage system that can immediately identify and speed up the treatment process. In this paper, we will use standard machine learning (Support Vector Machine, Random Forest and Decision Tree) methodologies to present a method for automatically detecting the ICH in a two-dimensional reduced form of a CT scan of the brain. Four main steps make up the method. First, a preprocessing pipeline that can successfully remove the bone from the skull is put into place. The following step is applying a feature extraction method. Then, a suitable feature-selection (PCA) model is proposed, which will enhance the model's performance by minimizing any redundancy produced by the selected feature extraction. The data set from the CT scans is classified into normal and abnormal in the last stage, which involves training and testing a machine learning model. The accuracy for our proposed model using Random Forest (RF), is 92.5%. RF achieves higher performance than other used ML methods.
身体的调节器官是大脑。脑部疾病的早期诊断对治疗有重大影响。脑出血是一种中风,由大脑动脉破裂引起,导致周围组织出血。通过脑部计算机断层扫描(CT),可以识别脑出血。CT因其速度快、成本低、用途广泛,是目前应用最广泛的脑部疾病诊断成像技术。在CT扫描过程中,一个小的x射线束围绕身体旋转,从不同的角度捕捉一系列图像。然后,计算机生成人体的横截面图。颅内出血(ICH)是一种需要及时识别和治疗的疾病。由于脑出血的早期发现和治疗可以改善健康结果,因此需要一种能够立即识别和加快治疗过程的分诊系统。在本文中,我们将使用标准的机器学习(支持向量机,随机森林和决策树)方法来提出一种以二维简化形式的大脑CT扫描自动检测ICH的方法。该方法由四个主要步骤组成。首先,一个可以成功地从颅骨中移除骨头的预处理管道被放置到位。接下来的步骤是应用特征提取方法。然后,提出了一个合适的特征选择(PCA)模型,该模型通过最小化所选特征提取产生的冗余来提高模型的性能。CT扫描的数据集在最后阶段被分为正常和异常,这涉及到机器学习模型的训练和测试。我们使用随机森林(RF)提出的模型的准确率为92.5%。RF实现了比其他ML方法更高的性能。
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引用次数: 0
Implement of Intelligent Controller for 6DOF Robot Based on a Virtual Reality Model 基于虚拟现实模型的六自由度机器人智能控制器的实现
Pub Date : 2023-01-09 DOI: 10.1109/DeSE58274.2023.10099597
Y. A. Mashhadany, A. Alrawi, Zeyid T. Ibraheem, Sameer Algburi
Every designer aspires to produce designs that are superior to those of their rivals in terms of quality, speed, or efficiency. Using an ANFIS (Adaptive Neural Inference System) controller and a proportional, integrated, derived (2DO-PID) 2-degree of freedom controller, this study suggests a high-performance design for a 6-DOF manipulator. Finding the best value for the controller settings that smoothly regulate the robot's movements to the desired aim is the primary objective of this exercise. The first step in the design process is to naturally determine the best values for the parameters of a traditional PID controller. The creation of a high-resolution 2DOF-PID controller is the next phase. It performs better than the conventional correct order using a mysterious physics control technique. The parameters of the 2DOF-PID controller are estimated based on the undeniably significant nature of the control effect. The final stage in achieving the high performance of the control system under consideration is the hybrid 2DOF-PID and ANFIS controller, which uses the prior output as a predictive point. The use of both modern and vintage consoles. Six-degree-of-freedom elbow curves are supported. Because the manipulator's trajectory exceeded the settling time and affected the movement, it was possible to minimize. MATLAB 2021b and Robotics Toolbox 9 were used to design and simulate the entire remote-control system. The controller's optimal design is built using a 3-dimensional model of a 6-DOF manipulator created with MATLAB/virtual Simulink's reality (VR) technology. MATLAB generates the manipulator instructions, which are then used to generate a real trajectory with a virtual reality model.
每个设计师都渴望生产出在质量、速度或效率方面优于竞争对手的设计。采用ANFIS(自适应神经推理系统)控制器和比例、集成、衍生(2DO-PID) 2自由度控制器,提出了一种高性能的6自由度机械臂设计方案。找到控制器设置的最佳值,使机器人的运动平稳地调节到期望的目标是本练习的主要目标。设计过程的第一步自然是确定传统PID控制器参数的最佳值。下一阶段是创建高分辨率2DOF-PID控制器。使用一种神秘的物理控制技术,它比传统的正确顺序表现得更好。基于控制效果不可否认的显著性,估计了2DOF-PID控制器的参数。在考虑实现高性能控制系统的最后阶段是混合2DOF-PID和ANFIS控制器,它使用先验输出作为预测点。同时使用现代和老式主机。支持六自由度弯头曲线。由于机械手的运动轨迹超过了沉降时间,影响了机械手的运动,因此可以实现最小。利用MATLAB 2021b和Robotics Toolbox 9对整个遥控系统进行了设计和仿真。利用MATLAB/virtual Simulink的现实(VR)技术建立了六自由度机械臂的三维模型,建立了控制器的优化设计。MATLAB生成机械手指令,然后使用虚拟现实模型生成真实轨迹。
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引用次数: 0
A System Implementation: Point-of-Sales (POS) System Integrated with Business Intelligence (BI) Capability Focused on SME in Indonesia 一个系统实现:与商业智能(BI)能力集成的销售点(POS)系统,专注于印尼的中小企业
Pub Date : 2023-01-09 DOI: 10.1109/DeSE58274.2023.10099802
Faiz Maruf Al Kautsaf, Mohammad Namazee Bin Mohd Nizam, Khalida Shajaratuddur Harun
This paper is about a project to implement a model of point-of-sale (POS) system equipped with Business Intelligence (BI) capabilities that suits the nature of business organisations in the scope of Small and Medium Enterprise (SME) in Indonesia). The project was developed based on proposed framework integrating Point-Of-Sales System, Databases, Visualization Tools namely Microsoft Power BI and its other relevant libraries. Overtime, SMEs in Indonesia have generated large volumes of data from their business operations. The SMEs need to be able to efficiently manage and analyze large volumes of data to provide better business decision making. Effective decision making shall help SMEs achieve competitive advantage. This is where Business Intelligence (BI) comes to light to provide insightful information to facilitate the business decision making process.
本文是关于一个项目,以实现销售点(POS)系统的模型配备商业智能(BI)功能,适合业务组织的性质在印度尼西亚的中小型企业(SME)的范围内)。该项目是基于集成销售点系统、数据库、可视化工具(即Microsoft Power BI)及其其他相关库的拟议框架开发的。随着时间的推移,印尼的中小企业从其业务运营中产生了大量数据。中小企业需要能够有效地管理和分析大量数据,以提供更好的业务决策。有效的决策有助于中小企业获得竞争优势。这就是商业智能(BI)发挥作用的地方,它提供有洞察力的信息,以促进业务决策过程。
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引用次数: 0
Identification of authentic and counterfeit Viagra tablets using near-infrared spectroscopic methods and machine learning algorithms 使用近红外光谱方法和机器学习算法识别真假伟哥片剂
Pub Date : 2023-01-09 DOI: 10.1109/DeSE58274.2023.10100015
Sarah Rowlands, D. Al-Jumeily, S. Assi
Counterfeit medicinal and lifestyles products are a global issue that impacts public health. Counterfeit products are often made in unsafe and unsanitary conditions before their release to the public without testing by regulatory bodies. One product that is particularly susceptible to online counterfeiting is Viagra, which is one of the highest selling medicines worldwide. A total of 57 Viagra tablets were used for the study; this included 27 authentic and 30 counterfeit tablets which were measured using near-infrared spectroscopy (NIRS). Spectra obtained using the NIR spectrometer non-destructively were exported into a multi-paradigm numerical computing environment where machine learning algorithms (MLAs) were applied using Matlab 2007a. Four algorithms were used related to correlation in wavelength space (CWS), K-nearest neighbour (KNN), principal component analysis (PCA) and PCA combined with fuzzy C-mean clustering (PCA-FCM). The algorithms were applied unsupervised to the authentic and counterfeit tables with no prior labelling to any of the tablets. The results showed two clear groups/clusters between the authentic and counterfeit tablets. In particular, PCA and PCA-FCM showed further subgroups among the counterfeit tablets that corresponded to their varying manufacturing sources. In summary, the use of NIRS and MLAs proved an effective method for identifying counterfeit Viagra medicines rapidly and non-destructively.
假冒药品和生活用品是一个影响公共卫生的全球性问题。假冒产品往往是在不安全和不卫生的条件下制造的,然后才向公众发布,没有经过监管机构的检测。伟哥是一种特别容易被网上假冒的产品,它是世界上销量最高的药品之一。这项研究共使用了57片伟哥;其中包括使用近红外光谱(NIRS)测量的27片正品和30片假药。利用近红外光谱仪获得的非破坏性光谱导出到多范式数值计算环境中,并在Matlab 2007a中应用机器学习算法(MLAs)。采用了波长空间(CWS)、k近邻(KNN)、主成分分析(PCA)和主成分分析结合模糊c均值聚类(PCA- fcm) 4种相关算法。这些算法在没有监督的情况下应用于正品和假冒的桌子,任何药片都没有事先标签。结果表明,正品和假品之间存在明显的两组/簇。特别是,PCA和PCA- fcm在假药片剂中显示了与不同生产来源相对应的进一步亚群。综上所述,近红外光谱(NIRS)和多光谱红外光谱(mla)被证明是快速、无损地识别假冒伟哥药品的有效方法。
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引用次数: 0
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2023 15th International Conference on Developments in eSystems Engineering (DeSE)
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