• Title/Summary/Keyword: 신용평가시스템

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Illegal Cash Accommodation Detection Modeling Using Ensemble Size Reduction (신용카드 불법현금융통 적발을 위한 축소된 앙상블 모형)

  • Lee, Hwa-Kyung;Han, Sang-Bum;Jhee, Won-Chul
    • Journal of Intelligence and Information Systems
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    • v.16 no.1
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    • pp.93-116
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    • 2010
  • Ensemble approach is applied to the detection modeling of illegal cash accommodation (ICA) that is the well-known type of fraudulent usages of credit cards in far east nations and has not been addressed in the academic literatures. The performance of fraud detection model (FDM) suffers from the imbalanced data problem, which can be remedied to some extent using an ensemble of many classifiers. It is generally accepted that ensembles of classifiers produce better accuracy than a single classifier provided there is diversity in the ensemble. Furthermore, recent researches reveal that it may be better to ensemble some selected classifiers instead of all of the classifiers at hand. For the effective detection of ICA, we adopt ensemble size reduction technique that prunes the ensemble of all classifiers using accuracy and diversity measures. The diversity in ensemble manifests itself as disagreement or ambiguity among members. Data imbalance intrinsic to FDM affects our approach for ICA detection in two ways. First, we suggest the training procedure with over-sampling methods to obtain diverse training data sets. Second, we use some variants of accuracy and diversity measures that focus on fraud class. We also dynamically calculate the diversity measure-Forward Addition and Backward Elimination. In our experiments, Neural Networks, Decision Trees and Logit Regressions are the base models as the ensemble members and the performance of homogeneous ensembles are compared with that of heterogeneous ensembles. The experimental results show that the reduced size ensemble is as accurate on average over the data-sets tested as the non-pruned version, which provides benefits in terms of its application efficiency and reduced complexity of the ensemble.

Improvements of Unit System for nationwide expansion of Early Warning Service for Agrometeorological Disaster (농업기상재해 조기경보시스템의 전국 확대를 위한 단위 시스템의 개선)

  • Park, Joo Hueon;Shin, Yong Soon;Shim, Kyo-Moon
    • Korean Journal of Agricultural and Forest Meteorology
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    • v.23 no.4
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    • pp.356-365
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    • 2021
  • The nationwide expansion of the agricultural early warning service for agrometeorological disaster would require assessment of geographical and agricultural environmental characteristics by individual region. The development of an efficient computing environment would facilitate such services for the area of study region to deal with various crops and varieties for many farms. In particular, the design of the computing environment would have a considerable impact on the service quality of agriculture meteorology when the scale of computing environments increases for extended service areas. The objectives of this study were to derive the issues on the current computing environment under which services are provided by each region and to seek the solutions to these problems. The self-evaluation through experimental operation for about a year indicated that integration of the early warning service system distributed over different regions would reduce redundant computing procedures and ensure efficient storage and comprehensive management of data. This suggested that the early warning service for agrometeorological disaster would become more stable even when the service areas are to be expanded to the national scale. This would contribute to higher quality services for individual farmers.

Analysis of water circulation in agricultural watershed based on SWMM model (SWMM 모델 기반 농업유역 물순환 특성 분석)

  • Kim, Ha-Young;Nam, Won-Ho;Mun, Young-Sik;Kim, Jonggun;Shin, Yongchul
    • Proceedings of the Korea Water Resources Association Conference
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    • 2021.06a
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    • pp.195-195
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    • 2021
  • 최근 기후변화, 과도한 지하수 이용 등으로 유역 환경이 변화하고 있으며, 이에 따른 부작용으로 하천의 건천화, 지표유출량 증가, 증발산량 감소 등 물순환 구조가 왜곡되고 있다. 물순환 과정은 지역적 조건에 따라 다르게 나타나며, 모의 요소와 해석 기법도 다르다. 따라서 지속가능하고 건전화된 물순환을 위해 해당 유역의 물순환계를 정확히 파악하고 고려하여 객관적으로 정량화할 수 있어야 한다. 현재 우리나라 농업유역은 논, 용·배수로, 농업용 저수지가 존재하며, 종합적인 농촌용수 물순환 해석을 위해 농촌용수 요소별 해석 기술 및 모듈 개발, 모델링 기법 등을 이용하여 농촌수자원의 체계적·과학적 해석 및 관리 시스템 개발이 이루어져야 한다. 본 연구에서는 강원도 원주시에 위치한 흥업저수지를 대상으로 농촌용수의 물순환 과정을 정립하였으며, 저수지 시점부·말단부, 농업용 저수지, 저수지 유역으로 구분하여 물순환 분석을 수행하였다. 물순환 모의 요소로 저수지 수위, 유역 유출량, 수로부 공급량 및 배수량, 회귀수량 등으로 선정하였으며, 수로 네트워크 기반의 SWMM (Storm Water Management Model) 모형을 이용하여 종합적인 농촌용수 물순환 해석을 수행하였다. 또한, 물순환 해석 기법의 적용성 검증을 위해 모의 요소별 모니터링을 수행하였으며, SWMM 모형과 모니터링을 비교하여 적용성을 평가하였다. 본 연구 결과를 통해 농촌지역 특성 및 기후변화를 고려한 농촌수자원의 안정적인 공급과 국가 청정 수자원 확보를 위한 통합 물관리 정책을 실현하는데 기초 자료로써 활용 가능할 것이라 사료된다.

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Generation of Corporate Risk Contents of Small Firms and Large Firms Using Financial Data for Enhancing International Competitiveness (국제경쟁력 강화를 위한 중소규모기업과 대기업간 부실예측 콘텐츠)

  • Kim, Young-Sook
    • The Journal of the Korea Contents Association
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    • v.7 no.12
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    • pp.123-130
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    • 2007
  • The purpose of this paper is to capture risk profiles of smaller-sized Korean firms $vis-{\grave{a}}-vis$ larger-sized firms during the Asian financial crisis. For this purpose, risk profiles are provided by estimating expected default risks and by tracking how these have changed during this period with respect to their magnitude, volatility, and sensitivity measures. Methodology used in this study employs the Black-Scholes-Merton model for producing estimates of default risks. And the conventional trans-log function is utilized for obtaining sensitivity measures of the estimated default risks. According to empirical evidence obtained here, it is revealed that contractions of corporate loans associated with IMF austerity policy was the main factor responsible for the drastic change in the default risk profile of Korean firms after occurrence of the Asian financial crisis.

The Time Synchronization Signals of the GNSS Receiver for KSLV-II and Their Performance Assessment (한국형발사체 위성항법수신기의 시각동기신호 생성 및 성능 평가)

  • Kwon, Byung-Moon;Shin, Yong-Sul;Ma, Keun-Su;Yun, Kwang-Ho;Seo, Hung-Seok
    • Journal of the Korean Society for Aeronautical & Space Sciences
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    • v.47 no.11
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    • pp.812-820
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    • 2019
  • The GNSS receiver for KSLV(Korea Space Launch Vehicle)-II provides real-time navigation data as well as precise time and time interval. The precise time signals provided by the GNSS receiver that can be used for the time synchronization between onboard systems, and between the onboard systems and ground stations have the forms of the 1PPS(One Pulse Per Second) and IRIG-B(Inter-Range Instrumentation Group Time Code B) which are synchronized with UTC(Coordinated Universal Time). A signal for timing faults also informs whether the time synchronization signals are available or not. This paper describes the time synchronization signals of the GNSS receiver for KSLV-II and their performance assessment.

Valuation on Economical Value of Operation Frequencies for the Fishery Communications (어업통신을 위한 운용주파수의 경제적 가치 평가)

  • Choi, Jo-Cheon;Kim, Geon-Ung;Kim, Jeong-Nyun;Lee, Seong-Ro
    • The Journal of Korean Institute of Communications and Information Sciences
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    • v.39C no.9
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    • pp.774-781
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    • 2014
  • Demand for spectrum resources is increasing with the development of mobile telecommunications and so is their economic value. As a way to enhance the economic efficiency of use of spectrum resources, many countries have focused on the management of public and broadcasting spectrums which have traditionally been undercharged compared to their economic values. In this paper, we discuss the economic value valuation of the frequencies for the fisheries communications. The estimated value is the average value of the total equipment cost of the mobile communication services that their service coverage is nation-wide, and the value that adjusted the auction price for the LTE service frequencies in 2011 to the characteristics of fisheries communications.

저압 광산란 입자측정센서 개발 및 성능 평가

  • Mun, Ji-Hun;U, Dae-Gwang;Kim, Myeong-Jun;Yun, Jin-Uk;Jeong, Hyeok;Gwon, Yong-Taek;Gang, Sang-U;Yun, Ju-Yeong;Sin, Yong-Hyeon;Kim, Tae-Seong
    • Proceedings of the Korean Vacuum Society Conference
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    • 2010.02a
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    • pp.327-327
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    • 2010
  • 디스플레이 및 반도체 산업이 발전함에 따라 회로의 선폭이 점차 줄어들고 있으며, 이에 따라서 대표적인 오염원이 되는 오염입자의 임계 직경(critical diameter) 또한 작아지고 있다. 현재 반도체 및 디스플레이 산업에서 사용되는 측정방법은 레이저를 이용하여 공정 후 표면에 남아 있는 오염입자를 측정하는 ex-situ 방법이 주를 이루고 있다. Ex-situ 방법을 이용한 오염입자의 제어는 웨이퍼 전체를 측정할 수 없을 뿐만 아니라 실시간 측정이 불가능하기 때문에 공정 모니터링 장비로 사용이 어려우며 오염입자와 공정 간의 상관관계 파악에도 많은 제약이 따르게 된다. 이에 따라 저압에서 in-situ 방법을 이용한 실시간 오염입자 측정 기술 개발이 요구되고 있다. 본 연구에서는 저압 환경에서 실시간으로 입자를 모니터링 할 수 있는 장비를 입자의 광산란 원리를 이용하여 개발하였다. 빛이 입자에 조사되면 크게 산란 및 흡수현상이 일어나게 되는데, 이 때 발생하는 산란광은 입자의 크기와 관계가 있으며 Mie 이론으로 널리 알려져 있다. 현재 이를 이용한 연구가 국내 및 국외에서 진행되고 있다. 수 백 nm 대의 입자를 측정하기 위해서는 빛의 강도가일정 수준 이상 되어야 하며, 이를 측정할 수 있는 수신부의 감도 또한 중요하다. 본 연구에서는 빛의 직경을 100 um 이하까지 집속할 수 있는 광학계를 상용 프로그램을 이용하여 설계하였으며, 강도가 약한 산란광 측정을 위하여 노이즈 제거 필터링 기술 등이 적용된 수신부 센서를 개발하여 전체 시스템에 적용하였다. 교정은 상압과 저압에서 수행 하였으며 약 5%의 측정효율로 최소 300 nm 이하의 입자까지 측정이 가능함을 확인 하였다. 또한, 타사의 실시간 입자 측정 센서와의 비교 실험을 통하여 성능평가를 수행하였다. 기존 광산란 방식 센서보다 높은 성능의 센서를 개발하기 위하여 추후 연구를 진행할 계획이며, 약 200 nm 이하의 입자까지 측정이 가능할 것으로 기대된다.

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Study to Propose the Suitable Reproducing Sound Level of SAFRS (능동형 음장조성시스템 연출음의 적정 소리레벨 제시를 위한 기초적 연구)

  • Jeon, Ji-Hyeon;Shin, Yong-Gyu;Kook, Chan;Jang, Gil-Soo
    • Proceedings of the Korean Society for Noise and Vibration Engineering Conference
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    • 2007.05a
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    • pp.515-518
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    • 2007
  • SAFRS(Spontaneous Acoustic Field Reproduction System) is a system to sense changes of surroundings and produce sounds which can go well with environment elements sensed by the system in to the space. The sounds were judged by individual evaluation and, the classification of the preferred sounds according to the mood of the space was suggested in the former study. Effectiveness of SAFRS with field application was validated by prior studies which dealt with researching acoustic environment, evaluating images of sounds, and rating environment with existence and nonexistence of sound resources such as fountains and the system after applied in D university. In this study, for more effective field application of SAFRS, research for the acoustic environment around sound resources and subjective evaluation of the preference of the sounds from the resources were made and it was considered that the results of the experiments should be primary information to propose proper sound level to be offered by the system. The results of the study are as follows; 1) It was considered that the ambience of the center road was dependent upon produced sounds by the system and water sounds of the fountain and that of walk way was mostly dependent upon produced sounds. 2) The results of the subjective evaluation showed that the distance from sound resources was suggestive; the more distant from produced sounds the less full and clear the sounds, the less distant from the sounds of water the more delight and idyllic ambience, and the less distant from the forest the more idyllic ambient and diversity. 3) The results upwards were telling that an average value of six elements for the evaluation was even at the place set back 10.2m from center road and walk way. And harmony of all sounds of the place should be considered to propose suitable sound level of SAFRS.

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Study to Propose the Suitable Reproducing Sound Level of SAFRS (능동형 음장조성시스템 연출음의 적정 소리레벨 제시를 위한 연구)

  • Jeon, Ji-Hyeon;Shin, Yong-Gyu;Kook, Chan;Jang, Gil-Soo
    • Transactions of the Korean Society for Noise and Vibration Engineering
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    • v.17 no.6 s.123
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    • pp.547-552
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    • 2007
  • SAFRS(spontaneous acoustic field reproduction system) is a system to sense changes of surroundings and produce sounds which can go well with environment elements sensed by the system in to the space. The sounds were judged by individual evaluation and, the classification of the preferred sounds according to the mood of the space was suggested in the former study. Effectiveness of SAFRS with field application was validated by prior studies which dealt with researching acoustic environment, evaluating images of sounds, and rating environment with existence and nonexistence of sound resources such as fountains and the system after applied in D university. In this study, for more effective field application of SAFRS, research for the acoustic environment around sound resources and subjective evaluation of the preference of the sounds from the resources were made and it was considered that the results of the experiments should be primary information to propose proper sound level to be offered by the system. The results of the study are as follows; 1) It was considered that the ambience of the center road was dependent upon produced sounds by the system and water sounds of the fountain and that of walk way was mostly dependent upon produced sounds. 2) The results of the subjective evaluation showed that the distance from sound resources was suggestive; the more distant from produced sounds the less full and clear the sounds, the less distant from the sounds of water the more delight and idyllic ambience, and the less distant from the forest the more idyllic ambient and diversity. 3) The results upwards were telling that an average value of six elements for the evaluation was even at the place set back 10.2m from center road and walk way. And harmony of all sounds of the place should be considered to propose suitable sound level of SAFRS.

Enhancement of SATEEC GIS system using ArcP (ArcPy를 이용한 SATEEC모델의 개선)

  • Lee, Gwanjae;Shin, Yongchul;Jung, Younghun;Lim, Kyoung Jae
    • Proceedings of the Korea Water Resources Association Conference
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    • 2015.05a
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    • pp.515-515
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    • 2015
  • 토양유실량을 산정하기 위한 모델로 Universsal Soil Loss Equation(USLE)가 전 세계적으로 가장 많이 사용되고 있다. USLE 모형은 농경지에서 면상침식(Sheet erosion)과 세류침식(Rill erosion)을 모의할 수 있는 시험포단위 모형(Field-scale)으로 농경지에서 유실된 토양이 하류 하천으로 얼마나 흘러 들어가 하류 수계의 탁수발생과 이에 따른 수질악화에 얼마나 기여하는지, 즉, 유역단위의 토양유실량을 평가하는데 이용될 수 없다. 이러한 단점을 극복하기 위하여 Sediment Assessment Tool for Effective Erosion Control (SATEEC) ArcView 시스템이 개발되어 사용되고 있다. SATEEC ArcView 시스템은 USLE모형의 입력자료와 DEM만으로 유역면적에 따른 유달률을 산정하여 유역에서 유실된 토양이 얼마만큼 하류로 유달되는지를 모의할 수 있으며, 유역 경사도에 의한 유달률도 산정할 수 있어 지형적인 특성을 좀 더 다양하게 분석 할 수 있게 개발 되었다. 그러나 ArcView는 출시한지 오래되어 사용자가 많지 않고, 프로그램상의 오류가 많고, 대용량의 데이터 처리가 가능한 64비트 운영체제에서는 설치가 불가능한 단점이 있다. 또한, ArcView의 프로그래밍 언어인 Avenue는 클래스를 정의한다거나 상속을 한다거나 하는 문법을 제공하지 않기 때문에 객체지향 언어로 보기에는 부족하다고 할 수 있다. 또한, 최근의 ArcGIS 기반의 많은 모델들이 서로 연계하여 사용하고 있으나, Avenue는 기타 다른 프로그래밍 언어와 연계하여 사용하기가 쉽지 않은 단점이 있다. 그러나 최근 ArcGIS 버전들의 프로그래밍 언어인 Python은 간결하고 확장성이 좋으며, 다른 언어와의 연계가 쉽다. 또한, ArcGIS 10.x버전부터 제공되는 arcpy 모듈은 사용자와의 접근성이 매우 향상되었다. 따라서 SATEEC ArcView 버전을 ArcGIS 10.1 기반의 Python 으로 재개발하여 기존의 불편한 접근성과 대용량 데이터의 처리가 불가능했던 부분을 개선하였다.

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