Learning Latent Representations of Bank Customers With The Variational Autoencoder

Learning data representations that reflect the customers' creditworthiness can improve marketing campaigns, customer relationship management, data and process management or the credit risk assessment in retail banks. In this research, we adopt the Variational Autoencoder (VAE), which has the ability to learn latent representations that contain useful information. We show that it is possible to steer the latent representations in the latent space of the VAE using the Weight of Evidence and forming a specific grouping of the data that reflects the customers' creditworthiness. Our proposed method learns a latent representation of the data, which shows a well-defied clustering structure capturing the customers' creditworthiness. These clusters are well suited for the aforementioned banks' activities. Further, our methodology generalizes to new customers, captures high-dimensional and complex financial data, and scales to large data sets.Comment: arXiv admin note: substantial text overlap with arXiv:1806.0253

Data-Driven Shape Analysis and Processing

Data-driven methods play an increasingly important role in discovering geometric, structural, and semantic relationships between 3D shapes in collections, and applying this analysis to support intelligent modeling, editing, and visualization of geometric data. In contrast to traditional approaches, a key feature of data-driven approaches is that they aggregate information from a collection of shapes to improve the analysis and processing of individual shapes. In addition, they are able to learn models that reason about properties and relationships of shapes without relying on hard-coded rules or explicitly programmed instructions. We provide an overview of the main concepts and components of these techniques, and discuss their application to shape classification, segmentation, matching, reconstruction, modeling and exploration, as well as scene analysis and synthesis, through reviewing the literature and relating the existing works with both qualitative and numerical comparisons. We conclude our report with ideas that can inspire future research in data-driven shape analysis and processing.Comment: 10 pages, 19 figure

Crossing Generative Adversarial Networks for Cross-View Person Re-identification

Person re-identification (\textit{re-id}) refers to matching pedestrians across disjoint yet non-overlapping camera views. The most effective way to match these pedestrians undertaking significant visual variations is to seek reliably invariant features that can describe the person of interest faithfully. Most of existing methods are presented in a supervised manner to produce discriminative features by relying on labeled paired images in correspondence. However, annotating pair-wise images is prohibitively expensive in labors, and thus not practical in large-scale networked cameras. Moreover, seeking comparable representations across camera views demands a flexible model to address the complex distributions of images. In this work, we study the co-occurrence statistic patterns between pairs of images, and propose to crossing Generative Adversarial Network (Cross-GAN) for learning a joint distribution for cross-image representations in a unsupervised manner. Given a pair of person images, the proposed model consists of the variational auto-encoder to encode the pair into respective latent variables, a proposed cross-view alignment to reduce the view disparity, and an adversarial layer to seek the joint distribution of latent representations. The learned latent representations are well-aligned to reflect the co-occurrence patterns of paired images. We empirically evaluate the proposed model against challenging datasets, and our results show the importance of joint invariant features in improving matching rates of person re-id with comparison to semi/unsupervised state-of-the-arts.Comment: 12 pages. arXiv admin note: text overlap with arXiv:1702.03431 by other author

Certainty of outlier and boundary points processing in data mining

Data certainty is one of the issues in the real-world applications which is caused by unwanted noise in data. Recently, more attentions have been paid to overcome this problem. We proposed a new method based on neutrosophic set (NS) theory to detect boundary and outlier points as challenging points in clustering methods. Generally, firstly, a certainty value is assigned to data points based on the proposed definition in NS. Then, certainty set is presented for the proposed cost function in NS domain by considering a set of main clusters and noise cluster. After that, the proposed cost function is minimized by gradient descent method. Data points are clustered based on their membership degrees. Outlier points are assigned to noise cluster and boundary points are assigned to main clusters with almost same membership degrees. To show the effectiveness of the proposed method, two types of datasets including 3 datasets in Scatter type and 4 datasets in UCI type are used. Results demonstrate that the proposed cost function handles boundary and outlier points with more accurate membership degrees and outperforms existing state of the art clustering methods.Comment: Conference Paper, 6 page

Transforming Graph Representations for Statistical Relational Learning

Relational data representations have become an increasingly important topic due to the recent proliferation of network datasets (e.g., social, biological, information networks) and a corresponding increase in the application of statistical relational learning (SRL) algorithms to these domains. In this article, we examine a range of representation issues for graph-based relational data. Since the choice of relational data representation for the nodes, links, and features can dramatically affect the capabilities of SRL algorithms, we survey approaches and opportunities for relational representation transformation designed to improve the performance of these algorithms. This leads us to introduce an intuitive taxonomy for data representation transformations in relational domains that incorporates link transformation and node transformation as symmetric representation tasks. In particular, the transformation tasks for both nodes and links include (i) predicting their existence, (ii) predicting their label or type, (iii) estimating their weight or importance, and (iv) systematically constructing their relevant features. We motivate our taxonomy through detailed examples and use it to survey and compare competing approaches for each of these tasks. We also discuss general conditions for transforming links, nodes, and features. Finally, we highlight challenges that remain to be addressed