Towards a Comprehensible and Accurate Credit Management Model: Application of four Computational Intelligence Methodologies

The paper presents methods for classification of applicants into different categories of credit risk using four different computational intelligence techniques. The selected methodologies involved in the rule-based categorization task are (1) feedforward neural networks trained with second order methods (2) inductive machine learning, (3) hierarchical decision trees produced by grammar-guided genetic programming and (4) fuzzy rule based systems produced by grammar-guided genetic programming. The data used are both numerical and linguistic in nature and they represent a real-world problem, that of deciding whether a loan should be granted or not, in respect to financial details of customers applying for that loan, to a specific private EU bank. We examine the proposed classification models with a sample of enterprises that applied for a loan, each of which is described by financial decision variables (ratios), and classified to one of the four predetermined classes. Attention is given to the comprehensibility and the ease of use for the acquired decision models. Results show that the application of the proposed methods can make the classification task easier and - in some cases - may minimize significantly the amount of required credit data. We consider that these methodologies may also give the chance for the extraction of a comprehensible credit management model or even the incorporation of a related decision support system in bankin

URBANO: A Tour-Guide Robot Learning to Make Better Speeches

—Thanks to the numerous attempts that are being made to develop autonomous robots, increasingly intelligent and cognitive skills are allowed. This paper proposes an automatic presentation generator for a robot guide, which is considered one more cognitive skill. The presentations are made up of groups of paragraphs. The selection of the best paragraphs is based on a semantic understanding of the characteristics of the paragraphs, on the restrictions defined for the presentation and by the quality criteria appropriate for a public presentation. This work is part of the ROBONAUTA project of the Intelligent Control Research Group at the Universidad Politécnica de Madrid to create "awareness" in a robot guide. The software developed in the project has been verified on the tour-guide robot Urbano. The most important aspect of this proposal is that the design uses learning as the means to optimize the quality of the presentations. To achieve this goal, the system has to perform the optimized decision making, in different phases. The modeling of the quality index of the presentation is made using fuzzy logic and it represents the beliefs of the robot about what is good, bad, or indifferent about a presentation. This fuzzy system is used to select the most appropriate group of paragraphs for a presentation. The beliefs of the robot continue to evolving in order to coincide with the opinions of the public. It uses a genetic algorithm for the evolution of the rules. With this tool, the tour guide-robot shows the presentation, which satisfies the objectives and restrictions, and automatically it identifies the best paragraphs in order to find the most suitable set of contents for every public profil

Temporal fuzzy association rule mining with 2-tuple linguistic representation

This paper reports on an approach that contributes towards the problem of discovering fuzzy association rules that exhibit a temporal pattern. The novel application of the 2-tuple linguistic representation identifies fuzzy association rules in a temporal context, whilst maintaining the interpretability of linguistic terms. Iterative Rule Learning (IRL) with a Genetic Algorithm (GA) simultaneously induces rules and tunes the membership functions. The discovered rules were compared with those from a traditional method of discovering fuzzy association rules and results demonstrate how the traditional method can loose information because rules occur at the intersection of membership function boundaries. New information can be mined from the proposed approach by improving upon rules discovered with the traditional method and by discovering new rules

Generating Interpretable Fuzzy Controllers using Particle Swarm Optimization and Genetic Programming

Autonomously training interpretable control strategies, called policies, using pre-existing plant trajectory data is of great interest in industrial applications. Fuzzy controllers have been used in industry for decades as interpretable and efficient system controllers. In this study, we introduce a fuzzy genetic programming (GP) approach called fuzzy GP reinforcement learning (FGPRL) that can select the relevant state features, determine the size of the required fuzzy rule set, and automatically adjust all the controller parameters simultaneously. Each GP individual's fitness is computed using model-based batch reinforcement learning (RL), which first trains a model using available system samples and subsequently performs Monte Carlo rollouts to predict each policy candidate's performance. We compare FGPRL to an extended version of a related method called fuzzy particle swarm reinforcement learning (FPSRL), which uses swarm intelligence to tune the fuzzy policy parameters. Experiments using an industrial benchmark show that FGPRL is able to autonomously learn interpretable fuzzy policies with high control performance.Comment: Accepted at Genetic and Evolutionary Computation Conference 2018 (GECCO '18

Gray Image extraction using Fuzzy Logic

Fuzzy systems concern fundamental methodology to represent and process uncertainty and imprecision in the linguistic information. The fuzzy systems that use fuzzy rules to represent the domain knowledge of the problem are known as Fuzzy Rule Base Systems (FRBS). On the other hand image segmentation and subsequent extraction from a noise-affected background, with the help of various soft computing methods, are relatively new and quite popular due to various reasons. These methods include various Artificial Neural Network (ANN) models (primarily supervised in nature), Genetic Algorithm (GA) based techniques, intensity histogram based methods etc. providing an extraction solution working in unsupervised mode happens to be even more interesting problem. Literature suggests that effort in this respect appears to be quite rudimentary. In the present article, we propose a fuzzy rule guided novel technique that is functional devoid of any external intervention during execution. Experimental results suggest that this approach is an efficient one in comparison to different other techniques extensively addressed in literature. In order to justify the supremacy of performance of our proposed technique in respect of its competitors, we take recourse to effective metrics like Mean Squared Error (MSE), Mean Absolute Error (MAE), Peak Signal to Noise Ratio (PSNR).Comment: 8 pages, 5 figures, Fuzzy Rule Base, Image Extraction, Fuzzy Inference System (FIS), Membership Functions, Membership values,Image coding and Processing, Soft Computing, Computer Vision Accepted and published in IEEE. arXiv admin note: text overlap with arXiv:1206.363