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Register a new userMerchant Category Identification Using Credit Card Transactions
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Added by
Chin-Chia Michael Yeh
Publication date
2020
fields
Informatics Engineering
and research's language is
English
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Digital payment volume has proliferated in recent years with the rapid growth of small businesses and online shops. When processing these digital transactions, recognizing each merchants real identity (i.e., business type) is vital to ensure the integrity of payment processing systems. Conventionally, this problem is formulated as a time series classification problem solely using the merchant transaction history. However, with the large scale of the data, and changing behaviors of merchants and consumers over time, it is extremely challenging to achieve satisfying performance from off-the-shelf classification methods. In this work, we approach this problem from a multi-modal learning perspective, where we use not only the merchant time series data but also the information of merchant-merchant relationship (i.e., affinity) to verify the self-reported business type (i.e., merchant category) of a given merchant. Specifically, we design two individual encoders, where one is responsible for encoding temporal information and the other is responsible for affinity information, and a mechanism to fuse the outputs of the two encoders to accomplish the identification task. Our experiments on real-world credit card transaction data between 71,668 merchants and 433,772,755 customers have demonstrated the effectiveness and efficiency of the proposed model.
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The objective of this study is to examine spatial patterns of impacts and recovery of communities based on variances in credit card transactions. Such variances could capture the collective effects of household impacts, disrupted accesses, and business closures, and thus provide an integrative measure for examining disaster impacts and community recovery in disasters. Existing studies depend mainly on survey and sociodemographic data for disaster impacts and recovery effort evaluations, although such data has limitations, including large data collection efforts and delayed timeliness results. In addition, there are very few studies have concentrated on spatial patterns and disparities of disaster impacts and short-term recovery of communities, although such investigation can enhance situational awareness during disasters and support the identification of disparate spatial patterns of disaster impacts and recovery in the impacted regions. This study examines credit card transaction data Harris County (Texas, USA) during Hurricane Harvey in 2017 to explore spatial patterns of disaster impacts and recovery during from the perspective of community residents and businesses at ZIP code and county scales, respectively, and to further investigate their spatial disparities across ZIP codes. The results indicate that individuals in ZIP codes with populations of higher income experienced more severe disaster impact and recovered more quickly than those located in lower-income ZIP codes for most business sectors. Our findings not only enhance the understanding of spatial patterns and disparities in disaster impacts and recovery for better community resilience assessment, but also could benefit emergency managers, city planners, and public officials in harnessing population activity data, using credit card transactions as a proxy for activity, to improve situational awareness and resource allocation.
The expansion of the electronic commerce, together with an increasing confidence of customers in electronic payments, makes of fraud detection a critical factor. Detecting frauds in (nearly) real time setting demands the design and the implementation of scalable learning techniques able to ingest and analyse massive amounts of streaming data. Recent advances in analytics and the availability of open source solutions for Big Data storage and processing open new perspectives to the fraud detection field. In this paper we present a SCAlable Real-time Fraud Finder (SCARFF) which integrates Big Data tools (Kafka, Spark and Cassandra) with a machine learning approach which deals with imbalance, nonstationarity and feedback latency. Experimental results on a massive dataset of real credit card transactions show that this framework is scalable, efficient and accurate over a big stream of transactions.
The metro system is playing an increasingly important role in the urban public transit network, transferring a massive human flow across space everyday in the city. In recent years, extensive research studies have been conducted to improve the service quality of metro systems. Among them, crowd management has been a critical issue for both public transport agencies and train operators. In this paper, by utilizing accumulated smart card data, we propose a statistical model to predict in-situ passenger density, i.e., number of on-board passengers between any two neighbouring stations, inside a closed metro system. The proposed model performs two main tasks: i) forecasting time-dependent Origin-Destination (OD) matrix by applying mature statistical models; and ii) estimating the travel time cost required by different parts of the metro network via truncated normal mixture distributions with Expectation-Maximization (EM) algorithm. Based on the prediction results, we are able to provide accurate prediction of in-situ passenger density for a future time point. A case study using real smart card data in Singapore Mass Rapid Transit (MRT) system demonstrate the efficacy and efficiency of our proposed method.
We consider the problem of efficient credit assignment in reinforcement learning. In order to efficiently and meaningfully utilize new data, we propose to explicitly assign credit to past decisions based on the likelihood of them having led to the observed outcome. This approach uses new information in hindsight, rather than employing foresight. Somewhat surprisingly, we show that value functions can be rewritten through this lens, yielding a new family of algorithms. We study the properties of these algorithms, and empirically show that they successfully address important credit assignment challenges, through a set of illustrative tasks.
In this paper, we developed the system for recognizing the orchid species by using the images of flower. We used MSRM (Maximal Similarity based on Region Merging) method for segmenting the flower object from the background and extracting the shape feature such as the distance from the edge to the centroid point of the flower, aspect ratio, roundness, moment invariant, fractal dimension and also extract color feature. We used HSV color feature with ignoring the V value. To retrieve the image, we used Support Vector Machine (SVM) method. Orchid is a unique flower. It has a part of flower called lip (labellum) that distinguishes it from other flowers even from other types of orchids. Thus, in this paper, we proposed to do feature extraction not only on flower region but also on lip (labellum) region. The result shows that our proposed method can increase the accuracy value of content based flower image retrieval for orchid species up to $pm$ 14%. The most dominant feature is Centroid Contour Distance, Moment Invariant and HSV Color. The system accuracy is 85,33% in validation phase and 79,33% in testing phase.
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