As credit loan products significantly increase in most financial institutions, the number of fraudulent transactions is also growing rapidly. Therefore, to manage the financial risks successfully, the financial institutions should reinforce the qualifications for a loan and augment the ability to detect a credit loan fraud proactively. In the process of building a classification model to detect credit loan frauds, utility from classification results (i.e., benefits from correct prediction and costs from incorrect prediction) is more important than the accuracy rate of classification. The objective of this paper is to propose a new approach to building a classification model for detecting credit loan fraud based on an individual-level utility. Experimental results show that the model comes up with higher utility than the fraud detection models which do not take into account the individual-level utility concept. Also, it is shown that the individual-level utility computed by the model is more accurate than the mean-level utility computed by other models, in both opportunity utility and cash flow perspectives. We provide diverse views on the experimental results from both perspectives.
Kim, Chong-sup;Cho, In-je;Lee, Dong-Kyu;Kang, Im-Ju
Journal of Institute of Control, Robotics and Systems
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v.21
no.9
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pp.888-897
/
2015
A flight capability to take a terrain following flight near the ground is required to reduce the probability that a fighter aircraft can be detected by foe's radar fence in the battlefield. The success rate for mission flight has increased by adopting TFS (Terrain Following System) to enable the modern advanced fighter to fly safely near the ground at the low altitude. This system has applied to the state-of-the-art fighter and bomber, such as B-1, F-111, F-16 E/F and F-15, since the research begins from 1960's. In this paper, the terrain following system and GCAS (Ground Collision Avoidance System) was developed, based on a digital database with UTAS's TERPRROM (TERrain PROfile Matching) equipment. This system calculates the relative location of the aircraft in the terrain database by using the aircraft status information provided by the radar altimeter and the INS (Inertial Navigation System), based on the digital terrain database loaded previously in the DTC (Data Transfer Cartridge), and figures out terrain features around. And, the system is a manual terrain following system which makes a steering command cue refer to flight path marker, on the HUD (Head Up Display), for vertical acceleration essential for terrain following flight and enables a pilot to follow it. The cue is based on the recognized terrain features and TCH (Target Clearance Height) set by a pilot in advance. The developed terrain following system was verified in the real-time pilot evaluation in FA-50 HQS (Handling Quality Simulator) environment.
The Traditional Look, a class of fashion, represents image based on British aristocratic authenticity and cultural heritage as unchangeable and lasting classic fashion style. And recently, it keeps up with the trend of modern and young consumers' desire by putting various images. The purpose of the study is to investigate the concept, image and present market condition and to analyze degree of consumers' brand awareness of Traditional brand in pursuit of developing new market and ensuring power between competitive brands. From above work, surveyed on degree of brand awareness and interest, preference, associable image and purchase factors coming from consumers. 606 data were analyzed with SPSS package. Frequency, Factor analysis, one-way ANOVA, Multiple response, and correlation were applied. The results of this study were as follows. 1. Traditional brand has a high degree at consumers' brand awareness but comparatively lower at interest in it. In band name, while the Burberry has the highest brand awareness, the Polo and the Hunt take first and second position in a purchasing rate. Brand preference has tendency to be concentrated on certain brands showing the outstanding highest degree like the Polo in the 20s, and the Burberry in the 50s in aspect of age structure. 2. In associable image of Traditional brand, it is associate with noble image as dignified, classical and intellectual with itself strongly among practical, individuality, confidential and noble image. 3. As the purchase factors of traditional brand products, it depends on mainly the reliability and esthetic factors like design and quality rather than ostentatious and practical factors. 4. Associable image except individuality image is correlated with the purchase factors of traditional brand.
Recombinant Saccharomyces cerevisiae BZ-pJ containing the gene coding for metallothionein, a metalbinding protein was grown in the medium with high cadmium concentrations to study the characteristics of growth and cadmium uptake. High concentrations of cadmium reduced cell growth and final cell density and increased the lag phase periods of the recombinant yeast. Addition of 10 mg $Cd^{2+}$/L to the growth medium remarkably decreased a lag period and enhanced the specific cadmium uptake to 52.6 mg $Cd^{2+}$/g dry cell. The effect of copper addition was further investigated in the medium of 680 mg Cd2+/L. An increase in copper concentration from 11.0 to 33.3 mg/L enhanced the specific cadmium uptake from 17.0 to 42.0 mg Cd2+/g dry cell.
The biggest topics in the automobile industry are light weightening and fuel efficiency improvement. There's a lot of research going on. It is focused on light weight materials. Light weight material is seen as the best way to reduce fuel consumption and to solve the problem of environmental pollution and resource depletion. For the light weight materials, new materials such as aluminum, magnesium, and carbon-hardening materials can be found. Research on the joining techniques of dual materials, improvement of material properties by improving the method of manufacture of existing materials, and studies on ultra-high strength steel sheets are expected to take up the most weight in lightweight materials. As the strength of the ultra-high strength steel sheets increases during forming, it is difficult to obtain dimensional precision due to the increase in elastic restoring force compared to mild or high strength steel sheets. Spring back is known to be affected by a number of factors due to poor plastic molding, and can be divided into the effects of the material spraying and the process. The study on the plasticitic variables were studied as plasticitic factors that can be controlled by a part company. Tensile testing of ultra-high strength materials was conducted to derive properties for plasticitic analysis and to analyze spring back with two factors controlling the height of the bead and blank holding force by adding tensile force and controlling the flow rate.
Journal of the Korean Society of Industry Convergence
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v.4
no.3
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pp.243-251
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2001
The effects of various operating parameters(agitation speed, impeller type, antiform agents, impeller spacing etc.) on air-liquid mass transfer was characterized by volumetric mass transfer coefficient($k_La$). Also, the dual-impeller agitated systems are compared with single-impeller agitated systems with a special focus on its applications for bioreactors, $k_La$ was take over a range of 200~450 rpm of agitation speed, and 0.5~2.5 vvm of air flow rates, for four single impeller and impeller combinations consisting of four impeller types, namely rushton, pitched blade, scaba, intermig were tested. The rushton impeller showed the best $k_La$ as compared with other single impellers. The dual impeller system are found to be superior as compared to single impeller in all aspects, The best combination of the dual impeller was a intermig of axial flow type as an upper impeller and a rushton of radial flow type as a lower part. Also, the control of the DO level with the variation of agitation speed was more efficient than that with an increase in air flow rate. The addition of antiform dropped the $k_La$ very large up to 1g/L regardless the type. PPG was less effect on $k_La$ than other antiforms. The impeller spacing and presence of solute are found very effective on $k_La$. When the $NaNO_3$is presented as solute, the $k_La$ increased approximately 50% then control.
Purpose: The heterodigital or homodigital artery island flap is a popular method of reconstruction for finger defects. Sometimes, digital artery island flap has some disadvantages such as postoperative flap edema, congestion, and partial necrosis of the flap margin. However, we could decrease these disadvantages by means of venous superdrainage. The aim of this study is to report usefulness and postoperative results of venous supercharging digital artery island flaps for finger reconstruction. Methods: From March of 2005 to March of 2008, a total of eight patients with soft tissue defects of the finger underwent venous supercharging digital island flap transfer. Briefly, the flap is harvested along with dorsal vein that is then anastomosed to a recipient vein in an end - to - end fashion, after flap transfer and insetting. Using this technique, eight patients were operated on, ranging in age 23 to 52 years. Results: All the flaps survived with a success rate of 100 percent, thus fully satisfying the reconstructive requirements. No postoperative flap congestion was recognized, obviating the need to take any measures for venous engorgement, such as suture removal. Among 8 cases, it was possible to make an long - term and follow - up observation more than 6 months. In these cases, the fact that light touches and temperature sensations can be detected in all the flaps. Cold intolerance and hyperesthesia were not seen in our series. Conclusion: Providing good harmony with conventional methods and microsurgery, inclusion of a vein with the heterodigital and homodigital artery island flap allows a more reliable and safer reconstructive choice for finger defects. The venous supercharged island flap is a reliable flap with a consistent arterial structure, and with its augmented venous drainage, it is more reliable, providing single - stage reconstruction of adjacent finger defects, including the fingertip.
This study was designed to provide the basic data of an effective nutrition education for desirable lifestyle and dietary habits to improve the nutritional status for the elderly by investigating health-related lifestyle, dietary habits, nutritional knowledge, and food intake of the elderly. The subjects included 58 elderly men and 146 elderly women. 35.8% had no more than an elementary school education. Most subjects (54.4%) were widows/widowers. Most subjects (71.0%) made over 150,000 won. 52.5% of subjects lived in houses. Smoking, drinking, exercise, the average sleeping time were significantly difference between the gender (p<0.05). In terms of dietary habits, our results showed that 80.9% of respondent eat regularly meals, including breakfast (83.5%). Both sexes prefer soft and salty food. Women enjoys more spicy and salty food compared with men and then shows meaningful difference (p<0.05). Their favorite meals are soup, stew, salad and boiled vegetables. Compared to women, men have a higher rate of correct answers about questions related to nutrition knowledge as showing significantly difference (p<0.05). In a study of dietary habits, they take in carbohydrates with the highest percentage and following by vegetables and fruits. The amount of meat, first and egg they eat is more than the previously. Eating meat is higher men as showing significant difference (p<0.05). In summary, nutritional status for the elderly shows healthy lifestyle and diet about half of those and most them try to live healthy life in future. It is hope that the elderly may need to learn proper nutrition knowledge for healthy lifestyle and nutrition education and counseling for building up healthy lifestyle and desirable dietary habits. Furthermore, it is necessary to start work to establish a baseline nutritious evaluation for the elderly and at a time to study the development of standard eating tool proven reliability and validity, consequently to provide a basic framework for the evaluation of nutritional status.
The purpose of this study was to explore the meaning of early entrance experiences of science gifted high school students. The subjects were 13 students who are attending science gifted high school in Seoul. The research data were collected through in-depth interviews. The qualitative study applied the phenomenological method of Giorgi. The early entrance experiences of science gifted high school students were clustered into 13 specific themes and 5 general structures. The results indicated that the early entrance students were surprised by their admissions from the school and they worry about their lack of readiness. However, they follow up their missed 1 year study after all. It took from a few weeks to 1~2 years depending on the student. At any rate, the environment of the school such as differentiated curricular, dormitory life, and studying atmospheres were helpful for the students to adopt easily. Even though they sometimes show a little deficiency, it won't be an issue, they just corporate each other and pursue their studies. As time goes on, they become friends even though they call other students 'big brother'. When the placement of gifted students take place, we do not need to hesitate because of their age, but need to consider the environment of school and characteristics of student.
Jena, Jayashree;Pradhan, Nilotpala;Nayak, Rati Ranjan;Dash, Bishnu P.;Sukla, Lala Behari;Panda, Prasanna K.;Mishra, Barada K.
Journal of Microbiology and Biotechnology
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v.24
no.4
/
pp.522-533
/
2014
Bionanotechnology has revolutionized nanomaterial synthesis by providing a green synthetic platform using biological systems. Among such biological systems, microalgae have tremendous potential to take up metal ions and produce nanoparticles by a detoxification process. The present study explores the intracellular and extracellular biogenic syntheses of silver nanoparticles (SNPs) using the unicellular green microalga Scenedesmus sp. Biosynthesized SNPs were characterized by AAS, UV-Vis spectroscopy, TEM, XRD, FTIR, DLS, and TGA studies and finally checked for antibacterial activity. Intracellular nanoparticle biosynthesis was initiated by a high rate of $Ag^+$ ion accumulation in the microalgal biomass and subsequent formation of spherical crystalline SNPs (average size, 15-20 nm) due to the biochemical reduction of $Ag^+$ ions. The synthesized nanoparticles were intracellular, as confirmed by the UV-Vis spectra of the outside medium. Furthermore, extracellular synthesis using boiled extract showed the formation of well scattered, highly stable, spherical SNPs with an average size of 5-10 nm. The size and morphology of the nanoparticles were confirmed by TEM. The crystalline nature of the SNPs was evident from the diffraction peaks of XRD and bright circular ring pattern of SAED. FTIR and UV-Vis spectra showed that biomolecules, proteins and peptides, are mainly responsible for the formation and stabilization of SNPs. Furthermore, the synthesized nanoparticles exhibited high antimicrobial activity against pathogenic gram-negative and gram-positive bacteria. Use of such a microalgal system provides a simple, cost-effective alternative template for the biosynthesis of nanomaterials in a large-scale system that could be of great use in biomedical applications.
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