High Fidelity Simulation of Network Nodes with RF-Ranging Capabilities

We first investigate practical response of the introduced wireless sensors and then present high fidelity simulation of a promising RF-based ranging technology based on real world sampled data. Simulated devices utilize models of RF transceiver chips, which feature unique capability of providing some time of fight information. This allows to measure the raw distance between two communicating nodes in a connected wireless sensor link in a fast and efficient manner. Accordingly, range measurements allow global tracking of mobile systems like robots or the localization of nodes in a sensor network. In this context, the modeling of the device in USARSim is of interest as it allows large scale experiments without the financial and organizational burden of the real hardware. Through experiments with real world devices and their simulation also in Matlab, the fidelity of the simulated models is shown

Wide and deep learning for peer-to-peer lending

This paper proposes a two-stage scoring approach to help lenders decide their fund allocations in peer-to-peer (P2P) lending market. The existing scoring approaches focus on only either probability of default (PD) prediction, known as credit scoring, or profitability prediction, known as profit scoring, to identify the best loans for investment. Credit scoring fails to deliver the main need of lenders on how much profit they may obtain through their investment. On the other hand, profit scoring can satisfy that need by predicting the investment profitability. However, profit scoring is not free from the imbalance problem where most of the past loans are non-default. Consequently, ignorance of the imbalance problem significantly affects the accuracy of profitability prediction. Our proposed two-stage scoring approach is an integration of credit scoring and profit scoring to address the above challenges. More specifically, stage 1 is designed to identify non-default loans while the imbalanced nature of loan status is considered in PD prediction. The loans identified as non-default are then moved to stage 2 for prediction of profitability, measured by internal rate of return. Wide and deep learning is used to build the predictive models in both stages to achieve both memorization and generalization. Extensive numerical studies are conducted based on real-world data to verify the effectiveness of the proposed approach. The numerical studies indicate our two-stage scoring approach outperforms the existing credit scoring and profit scoring approaches