Variations of Particle Swarm Optimization for Obtaining Classification Rules Applied to Credit Risk in Financial Institutions of Ecuador

Knowledge generated using data mining techniques is of great interest for organizations, as it facilitates tactical and strategic decision making, generating a competitive advantage. In the special case of credit granting organizations, it is important to clearly define rejection/approval criteria. In this direction, classification rules are an appropriate tool, provided that the rule set has low cardinality and that the antecedent of the rules has few conditions. This paper analyzes different solutions based on Particle Swarm Optimization (PSO) techniques, which are able to construct a set of classification rules with the aforementioned characteristics using information from the borrower and the macroeconomic environment at the time of granting the loan. In addition, to facilitate the understanding of the model, fuzzy logic is incorporated into the construction of the antecedent. To reduce the search time, the particle swarm is initialized by a competitive neural network. Different variants of PSO are applied to three databases of financial institutions in Ecuador. The first institution specializes in massive credit placement. The second institution specializes in consumer credit and business credit lines. Finally, the third institution is a savings and credit cooperative. According to our results, the incorporation of fuzzy logic generates rule sets with greater precision.Instituto de Investigación en Informátic

Enhanced face detection framework based on skin color and false alarm rejection

Fast and precise face detection is a challenging task in computer vision. Human face detection plays an essential role in the first stage of face processing applications such as recognition tracking, and image database management. In the applications, face objects often come from an inconsequential part of images that contain variations namely different illumination, pose, and occlusion. These variations can decrease face detection rate noticeably. Besides that, detection time is an important factor, especially in real time systems. Most existing face detection approaches are not accurate as they have not been able to resolve unstructured images due to large appearance variations and can only detect human face under one particular variation. Existing frameworks of face detection need enhancement to detect human face under the stated variations to improve detection rate and reduce detection time. In this study, an enhanced face detection framework was proposed to improve detection rate based on skin color and provide a validity process. A preliminary segmentation of input images based on skin color can significantly reduce search space and accelerate the procedure of human face detection. The main detection process is based on Haar-like features and Adaboost algorithm. A validity process is introduced to reject non-face objects, which may be selected during a face detection process. The validity process is based on a two-stage Extended Local Binary Patterns. Experimental results on CMU-MIT and Caltech 10000 datasets over a wide range of facial variations in different colors, positions, scales, and lighting conditions indicated a successful face detection rate. As a conclusion, the proposed enhanced face detection framework in color images with the presence of varying lighting conditions and under different poses has resulted in high detection rate and reducing overall detection time

Design and optimisation of a low cost Cognitive Mesh Network

Wireless Mesh Networks (WMNs) have been touted as the most promising wireless technology in providing high-bandwidth Internet access to rural, remote and under-served areas, with relatively lower investment cost as compared to traditional access networks. WMNs structurally comprise of mesh routers and mesh clients. Furthermore, WMNs have an envisaged ability to provide a heterogeneous network system that integrates wireless technologies such as IEEE 802.22 WRAN, IEEE 802.16 WiMAX, IEEE 802.11 Wi-Fi, Blue-tooth etc. The recent proliferation of new devices on the market such as smart phones and, tablets, and the growing number of resource hungry applications has placed a serious strain on spectrum availability which gives rise to the spectrum scarcity problem. The spectrum scarcity problem essentially results in increased spectrum prices that hamper the growth and efficient performance of WMNs as well as subsequent transformation of WMN into the envisaged next generation networks. Recent developments in TV white space communications technology and the emergence of Cognitive radio devices that facilitate Dynamic Spectrum Access (DSA) have provided an opportunity to mitigate the spectrum scarcity problem. To solve the scarcity problem, this thesis reconsiders the classical Network Engineering (NE) and Traffic Engineering (TE) problems to objectively design a low cost Cognitive Mesh network that promotes efficient resources utilization and thereby achieve better Quality of Service (QoS) levels