Análise comportamental : um estudo por análise de sobrevivência, aplicada a cartões de crédito

A capacidade de adaptação e rapidez de decisão, distinguem as empresas que melhor conseguem competir e crescer no mercado global. Para atuar rapidamente, as organizações precisam de sistemas de informação cada vez mais eficazes, surgindo recentemente uma nova função considerada fundamental para as empresas, que é a de Cientista de Dados. É neste contexto e para responder aos desafios atuais e futuros, que surgem sistemas de informação cada vez mais avançados, suportados por modelos de análise e visualização estatística. Este trabalho consiste em criar uma metodologia de desenvolvimento de modelos de previsão de incumprimento e perfil do consumidor, aplicado a cartões de crédito, com base numa exposição de análise comportamental, utilizando técnicas de análise de sobrevivência. São definidas técnicas de tratamento dos dados recolhidos, estimado modelo não-paramétrico de Kaplan-Meier e vários modelos de Cox de riscos proporcionais. Com recurso à curva ROC, dependente do tempo, à AUC e ao índice de Gini, conclui-se que o modelo final apresenta um desempenho positivo para identificar os clientes em situação de incumprimento ou com propensão a incumprir.

Processamento de imagem digital para o controlo de qualidade do queijo regional de Évora

A utilização generalizada do computador para a automatização das mais diversas tarefas, tem conduzido ao desenvolvimento de aplicações que possibilitam a realização de actividades que até então poderiam não só ser demoradas, como estar sujeitas a erros inerentes à actividade humana. A investigação desenvolvida no âmbito desta tese, tem como objectivo o desenvolvimento de um software e algoritmos que permitam a avaliação e classificação de queijos produzidos na região de Évora, através do processamento de imagens digitais. No decurso desta investigação, foram desenvolvidos algoritmos e metodologias que permitem a identificação dos olhos e dimensões do queijo, a presença de textura na parte exterior do queijo, assim como características relativas à cor do mesmo, permitindo que com base nestes parâmetros possa ser efectuada uma classificação e avaliação do queijo. A aplicação de software, resultou num produto de simples utilização. As fotografias devem respeitar algumas regras simples, sobre as quais se efectuará o processamento e classificação do queijo. ABSTRACT: The widespread use of computers for the automation of repetitive tasks, has resulted in developing applications that allow a range of activities, that until now could not only be time consuming and also subject to errors inherent to human activity, to be performed without or with little human intervention. The research carried out within this thesis, aims to develop a software application and algorithms that enable the assessment and classification of cheeses produced in the region of Évora, by digital images processing. Throughout this research, algorithms and methodologies have been developed that allow the identification of the cheese eyes, the dimensions of the cheese, the presence of texture on the outside of cheese, as well as an analysis of the color, so that, based on these parameters, a classification and evaluation of the cheese can be conducted. The developed software application, is product simple to use, requiring no special computer knowledge. Requires only the acquisition of the photographs following a simple set of rules, based on which it will do the processing and classification of cheese.

Análise da paisagem e das alterações de uso/ocupação do solo no Lubango e arredores

A cartografia temática surge como um aliado indispensável ao estudo e conhecimento do estado da paisagem e dos ecossistemas terrestres. Angola é um país com uma enorme lacuna em termos de informação cartográfica para suporte a diversas actividades desenvolvidas em várias áreas. É por isso necessária informação sobre a superfície terrestre que registe as alterações temporais ocorridas nos ecossistemas e identifique os factores que estão na sua origem de forma a implementar medidas que permitam uma gestão mais sustentável do seu enorme território. O presente estudo foi realizado no sector Sudoeste de Angola, abrangendo os municípios do Lubango, Humpata e Chibia, com uma área aproximada de 9600 km2. Os objectivos foram: a) cartografar o coberto do solo e monitorizar as alterações ocorridas na área de estudo no período 1990-2010, b) analisar e interpretar as alterações da estrutura da paisagem nos últimos 20 anos usando cartografia de ocupação do solo, produzida recorrendo a imagens de satélite, e métricas da paisagem, e c) quantificar e examinar a relação entre a fragmentação da paisagem e os factores geradores. A metodologia utilizada no estudo é composta por duas partes, sendo a primeira dedicada às operações de processamento e interpretação de imagens de satélite Landsat e, a segunda dedicada à produção de novas métricas de fragmentação da paisagem com recurso à ferramenta SIG utilizando operações de álgebra de mapas. O comportamento da fragmentação é analisado, à luz do efeito dos fatores ambientais e socioeconómicas ao nível da região. Os resultados obtidos, através da aplicação de técnicas de deteção remota e usando imagens Landsat TM e ETM+, permitiram a elaboração de mapas de coberto do solo, onde se distinguiram 8 classes temáticas e espectralmente diferentes. Verificou-se em termos globais que aproximadamente 38% da área sofreu algum tipo de alteração no período estudado, sendo as classes de miombo e áreas cultivadas as que mais alterações sofreram. A fragmentação da paisagem foi avaliada através da implementação de novas métricas, mostrando os resultados, que no período 1990-2000, a fragmentação foi superior à que se verificou entre 2000-2010. A nível espacial, a dinâmica de fragmentação foi mais acentuada, entre 1990-2000, na Humpata e, entre 2000-2010, no Lubango; ANALYSIS OF LANDSCAPE AND LAND USE LAND COVER CHANGE IN LUBANGO AND SURROUNDINGS ABSTRACT: Thematic cartography shows up as an essential ally in the study and knowledge of the state of landscapes and terrestrial ecosystems. Angola is a country with an enormous lack of cartographic information to support the several activities carried out in a variety of areas. This is the reason information on the earth’s surface is necessary, registering alterations which occur over time in ecosystems and identifying the associated factors in its origin, so as to implement metrics that allow a more sustainable management of its enormous territory. This study was carried out in the Southeast of Angola in the Lubango, Humpata and Chibia Municipalities, with an area of approximately 9600 km2. Our objectives were the following: a) land cover mapping and land cover changes monitoring over the period 1990 to 2010 using Landsat images, b) to analyze and interpret landscape structures changes using land cover maps, and landscapes metrics, and c) to quantify and to examine the relationship between landscape fragmentation and its drivers. The methodology developed in the study has two parts, the first includes Landsat satellite images processing and interpretation and, the second the production of new landscape fragmentation metrics with support to a GIS tool and algebraic mapping operations. The fragmentation behavior is analyzed, taking into account the effect of environmental and socioeconomic factors at a regional level. The results allowed obtaining land cover maps, in which 8 spectrally different thematic classes were distinguished. It was observed that 38% of the area suffered some type of alteration in the studied period, with higher changes observed in the classes of miombo and agriculture. Landscapes fragmentation results, evaluated through the implementation of new metrics, show that, values are greater in the period 1990-2000 than in 2000-2010. At municipality level, fragmentation dynamics were more accentuated in Humpata between 1990 -2000 and in Lubango between 2000 -2010.

Advanced image processing techniques for detection and quantification of drusen

Dissertation presented to obtain the degree of Doctor of Philosophy in Electrical Engineering, speciality on Perceptional Systems, by the Universidade Nova de Lisboa, Faculty of Sciences and Technology

Exploration of alpine orographic precipitation patterns with radar image processing and clustering techniques

A methodology of exploratory data analysis investigating the phenomenon of orographic precipitation enhancement is proposed. The precipitation observations obtained from three Swiss Doppler weather radars are analysed for the major precipitation event of August 2005 in the Alps. Image processing techniques are used to detect significant precipitation cells/pixels from radar images while filtering out spurious effects due to ground clutter. The contribution of topography to precipitation patterns is described by an extensive set of topographical descriptors computed from the digital elevation model at multiple spatial scales. Additionally, the motion vector field is derived from subsequent radar images and integrated into a set of topographic features to highlight the slopes exposed to main flows. Following the exploratory data analysis with a recent algorithm of spectral clustering, it is shown that orographic precipitation cells are generated under specific flow and topographic conditions. Repeatability of precipitation patterns in particular spatial locations is found to be linked to specific local terrain shapes, e.g. at the top of hills and on the upwind side of the mountains. This methodology and our empirical findings for the Alpine region provide a basis for building computational data-driven models of orographic enhancement and triggering of precipitation. Copyright (C) 2011 Royal Meteorological Society .

Development of Techniques for the Automatic Extraction and Grade Detection of Glioma Tumors from Conventional Brain Magnetic Resonant Images

Cerebral glioma is the most prevalent primary brain tumor, which are classified broadly into low and high grades according to the degree of malignancy. High grade gliomas are highly malignant which possess a poor prognosis, and the patients survive less than eighteen months after diagnosis. Low grade gliomas are slow growing, least malignant and has better response to therapy. To date, histological grading is used as the standard technique for diagnosis, treatment planning and survival prediction. The main objective of this thesis is to propose novel methods for automatic extraction of low and high grade glioma and other brain tissues, grade detection techniques for glioma using conventional magnetic resonance imaging (MRI) modalities and 3D modelling of glioma from segmented tumor slices in order to assess the growth rate of tumors. Two new methods are developed for extracting tumor regions, of which the second method, named as Adaptive Gray level Algebraic set Segmentation Algorithm (AGASA) can also extract white matter and grey matter from T1 FLAIR an T2 weighted images. The methods were validated with manual Ground truth images, which showed promising results. The developed methods were compared with widely used Fuzzy c-means clustering technique and the robustness of the algorithm with respect to noise is also checked for different noise levels. Image texture can provide significant information on the (ab)normality of tissue, and this thesis expands this idea to tumour texture grading and detection. Based on the thresholds of discriminant first order and gray level cooccurrence matrix based second order statistical features three feature sets were formulated and a decision system was developed for grade detection of glioma from conventional T2 weighted MRI modality.The quantitative performance analysis using ROC curve showed 99.03% accuracy for distinguishing between advanced (aggressive) and early stage (non-aggressive) malignant glioma. The developed brain texture analysis techniques can improve the physician’s ability to detect and analyse pathologies leading to a more reliable diagnosis and treatment of disease. The segmented tumors were also used for volumetric modelling of tumors which can provide an idea of the growth rate of tumor; this can be used for assessing response to therapy and patient prognosis.

Detection of highways in high resolution images using Mathematical Morphology techniques

This paper seeks to apply a routine for highways detection through the mathematical morphology tools in high resolution image. The Mathematical Morphology theory consists of describing structures geometric presents quantitatively in the image (targets or features). This explains the use of the Mathematical Morphology in this work. As high resolution images will be used, the largest difficulty in the highways detection process is the presence of trees and automobiles in the borders tracks. Like this, for the obtaining of good results through the use of morphologic tools was necessary to choose the structuring element appropriately to be used in the functions. Through the appropriate choice of the morphologic operators and structuring elements it was possible to detect the highways tracks. The linear feature detection using mathematical morphology techniques, can contribute in cartographic applications, as cartographic products updating.

Precipitates segmentation from scanning electron microscope images through machine learning techniques

The presence of precipitates in metallic materials affects its durability, resistance and mechanical properties. Hence, its automatic identification by image processing and machine learning techniques may lead to reliable and efficient assessments on the materials. In this paper, we introduce four widely used supervised pattern recognition techniques to accomplish metallic precipitates segmentation in scanning electron microscope images from dissimilar welding on a Hastelloy C-276 alloy: Support Vector Machines, Optimum-Path Forest, Self Organizing Maps and a Bayesian classifier. Experimental results demonstrated that all classifiers achieved similar recognition rates with good results validated by an expert in metallographic image analysis. © 2011 Springer-Verlag Berlin Heidelberg.

Efficient ultrasonic signal processing techniques for aided medical diagnostics

Ultrasound imaging is widely used in medical diagnostics as it is the fastest, least invasive, and least expensive imaging modality. However, ultrasound images are intrinsically difficult to be interpreted. In this scenario, Computer Aided Detection (CAD) systems can be used to support physicians during diagnosis providing them a second opinion. This thesis discusses efficient ultrasound processing techniques for computer aided medical diagnostics, focusing on two major topics: (i) Ultrasound Tissue Characterization (UTC), aimed at characterizing and differentiating between healthy and diseased tissue; (ii) Ultrasound Image Segmentation (UIS), aimed at detecting the boundaries of anatomical structures to automatically measure organ dimensions and compute clinically relevant functional indices. Research on UTC produced a CAD tool for Prostate Cancer detection to improve the biopsy protocol. In particular, this thesis contributes with: (i) the development of a robust classification system; (ii) the exploitation of parallel computing on GPU for real-time performance; (iii) the introduction of both an innovative Semi-Supervised Learning algorithm and a novel supervised/semi-supervised learning scheme for CAD system training that improve system performance reducing data collection effort and avoiding collected data wasting. The tool provides physicians a risk map highlighting suspect tissue areas, allowing them to perform a lesion-directed biopsy. Clinical validation demonstrated the system validity as a diagnostic support tool and its effectiveness at reducing the number of biopsy cores requested for an accurate diagnosis. For UIS the research developed a heart disease diagnostic tool based on Real-Time 3D Echocardiography. Thesis contributions to this application are: (i) the development of an automated GPU based level-set segmentation framework for 3D images; (ii) the application of this framework to the myocardium segmentation. Experimental results showed the high efficiency and flexibility of the proposed framework. Its effectiveness as a tool for quantitative analysis of 3D cardiac morphology and function was demonstrated through clinical validation.

EXTRACTION OF PICTORIAL ENERGY INFORMATION FROM CAMPUS UNMETERED BUILDINGS USING IMAGE PROCESSING TECHNIQUES

In recent years, advanced metering infrastructure (AMI) has been the main research focus due to the traditional power grid has been restricted to meet development requirements. There has been an ongoing effort to increase the number of AMI devices that provide real-time data readings to improve system observability. Deployed AMI across distribution secondary networks provides load and consumption information for individual households which can improve grid management. Significant upgrade costs associated with retrofitting existing meters with network-capable sensing can be made more economical by using image processing methods to extract usage information from images of the existing meters. This thesis presents a new solution that uses online data exchange of power consumption information to a cloud server without modifying the existing electromechanical analog meters. In this framework, application of a systematic approach to extract energy data from images replaces the manual reading process. One case study illustrates the digital imaging approach is compared to the averages determined by visual readings over a one-month period.

Digital image processing techniques as a tool for evaluating and mapping patinas on granite monuments

Monument conservation is related to the interaction between the original petrological parameters of the rock and external factors in the area where the building is sited, such as weather conditions, pollution, and so on. Depending on the environmental conditions and the characteristics of the materials used, different types of weathering predominate. In all, the appearance of surface crusts constitutes a first stage, whose origin can often be traced to the properties of the material itself. In the present study, different colours of “patinas” were distinguished by defining the threshold levels of greys associated with “pathology” in the histogram. These data were compared to background information and other parameters, such as mineralogical composition, porosity, and so on, as well as other visual signs of deterioration. The result is a map of the pathologies associated with “cover films” on monuments, which generate images by relating colour characteristics to desired properties or zones of interest.

Digital signal processing implementation for near real-time wavelet transformation system for binary images

Communication has become an essential function in our civilization. With the increasing demand for communication channels, it is now necessary to find ways to optimize the use of their bandwidth. One way to achieve this is by transforming the information before it is transmitted. This transformation can be performed by several techniques. One of the newest of these techniques is the use of wavelets. Wavelet transformation refers to the act of breaking down a signal into components called details and trends by using small waveforms that have a zero average in the time domain. After this transformation the data can be compressed by discarding the details, transmitting the trends. In the receiving end, the trends are used to reconstruct the image. In this work, the wavelet used for the transformation of an image will be selected from a library of available bases. The accuracy of the reconstruction, after the details are discarded, is dependent on the wavelets chosen from the wavelet basis library. The system developed in this thesis takes a 2-D image and decomposes it using a wavelet bank. A digital signal processor is used to achieve near real-time performance in this transformation task. A contribution of this thesis project is the development of DSP-based test bed for the future development of new real-time wavelet transformation algorithms.

Advancing Bag-of-visual-words Representations For Lesion Classification In Retinal Images.

Diabetic Retinopathy (DR) is a complication of diabetes that can lead to blindness if not readily discovered. Automated screening algorithms have the potential to improve identification of patients who need further medical attention. However, the identification of lesions must be accurate to be useful for clinical application. The bag-of-visual-words (BoVW) algorithm employs a maximum-margin classifier in a flexible framework that is able to detect the most common DR-related lesions such as microaneurysms, cotton-wool spots and hard exudates. BoVW allows to bypass the need for pre- and post-processing of the retinographic images, as well as the need of specific ad hoc techniques for identification of each type of lesion. An extensive evaluation of the BoVW model, using three large retinograph datasets (DR1, DR2 and Messidor) with different resolution and collected by different healthcare personnel, was performed. The results demonstrate that the BoVW classification approach can identify different lesions within an image without having to utilize different algorithms for each lesion reducing processing time and providing a more flexible diagnostic system. Our BoVW scheme is based on sparse low-level feature detection with a Speeded-Up Robust Features (SURF) local descriptor, and mid-level features based on semi-soft coding with max pooling. The best BoVW representation for retinal image classification was an area under the receiver operating characteristic curve (AUC-ROC) of 97.8% (exudates) and 93.5% (red lesions), applying a cross-dataset validation protocol. To assess the accuracy for detecting cases that require referral within one year, the sparse extraction technique associated with semi-soft coding and max pooling obtained an AUC of 94.2 ± 2.0%, outperforming current methods. Those results indicate that, for retinal image classification tasks in clinical practice, BoVW is equal and, in some instances, surpasses results obtained using dense detection (widely believed to be the best choice in many vision problems) for the low-level descriptors.

Computational adjustment technique for digital mammographic images based on the digitizer characteristic curve

We evaluated the performance of a novel procedure for segmenting mammograms and detecting clustered microcalcifications in two types of image sets obtained from digitization of mammograms using either a laser scanner, or a conventional ""optical"" scanner. Specific regions forming the digital mammograms were identified and selected, in which clustered microcalcifications appeared or not. A remarkable increase in image intensity was noticed in the images from the optical scanner compared with the original mammograms. A procedure based on a polynomial correction was developed to compensate the changes in the characteristic curves from the scanners, relative to the curves from the films. The processing scheme was applied to both sets, before and after the polynomial correction. The results indicated clearly the influence of the mammogram digitization on the performance of processing schemes intended to detect microcalcifications. The image processing techniques applied to mammograms digitized by both scanners, without the polynomial intensity correction, resulted in a better sensibility in detecting microcalcifications in the images from the laser scanner. However, when the polynomial correction was applied to the images from the optical scanner, no differences in performance were observed for both types of images. (C) 2008 SPIE and IS&T [DOI: 10.1117/1.3013544]