A personal data framework for exchanging knowledge about users in new financial services

Personal data is a key asset for many companies, since this is the essence in providing personalized services. Not all companies, and specifically new entrants to the markets, have the opportunity to access the data they need to run their business. In this paper, we describe a comprehensive personal data framework that allows service providers to share and exchange personal data and knowledge about users, while facilitating users to decide who can access which data and why. We analyze the challenges related to personal data collection, integration, retrieval, and identity and privacy management, and present the framework architecture that addresses them. We also include the validation of the framework in a banking scenario, where social and financial data is collected and properly combined to generate new socio-economic knowledge about users that is then used by a personal lending service.

Diseño de una red multinivel de conocimiento certificado y su aplicación a la enseñanza universitaria

En la investigación en e-Learning existe un interés especial en la adaptación de los objetos de aprendizaje al estudiante, que se puede realizar por distintos caminos: considerando el perfil del estudiante, los estilos de aprendizaje, estableciendo rutas de aprendizaje, a través de la tutoría individualizada o utilizando sistemas de recomendación. Aunque se han realizado avances en estas facetas de la adaptación, los enfoques existentes aportan soluciones para un entorno específico, sin que exista una orientación que resuelva la adaptación con una perspectiva más genérica, en el contexto de los objetos de aprendizaje y de la enseñanza. Esta tesis, con la propuesta de una “red multinivel de conocimiento certificado” aborda la adaptación a los perfiles de los estudiantes, asume la reutilización de los objetos de aprendizaje e introduce la certificación de los contenidos, sentando las bases de lo que podría ser una solución global al aprendizaje. La propuesta se basa en reestructurar los contenidos en forma de red, en establecer distintos niveles de detalle para los contenidos de cada nodo de la red, para facilitar la adaptación a los conocimientos previos del estudiante, y en certificar los contenidos con expertos. La “red multinivel” se implementa en una asignatura universitaria de grado, integrándola en los apuntes, y se aplica a la enseñanza. La validación de la propuesta se realiza desde cuatro perspectivas: en las dos primeras, se realiza un análisis estadístico para calcular la tasa de aceptación y se aplica un modelo TAM, extrayendo los datos para realizar el análisis de una encuesta que cumplimentan los alumnos; en las otras dos, se analizan las calificaciones académicas y las encuestas de opinión sobre la docencia. Se obtiene una tasa de aceptación del 81% y se confirman el 90% de las hipótesis del modelo TAM, se mejoran las calificaciones en un 21% y las encuestas de opinión en un 9%, lo que valida la propuesta y su aplicación a la enseñanza. ABSTRACT E-Learning research holds a special interest in the adaptation of learning objects to the student, which can be performed in different ways: taking into account the student profile or learning styles, by establishing learning paths, through individualized tutoring or using recommender systems. Although progress has been made in these types of adaptation, existing approaches provide solutions for a specific environment without an approach that addresses the adaptation from a more general perspective, that is, in the context of learning objects and teaching. This thesis, with the proposal of a “certified knowledge multilevel network”, focuses on adapting to the student profile, it is based on the reuse of learning objects and introduces the certification of the contents, laying the foundations for what could be a global solution to learning. The proposal is based on restructuring the contents on a network setting different levels of depth in the contents of each node of the network to facilitate adaptation to the student’s background, and certify the contents with experts. The multilevel network is implemented in a university degree course, integrating it into the notes, and applied to teaching. The validation of the proposal is made from four perspectives: the first two, a statistical analysis is performed to calculate the rate of acceptance and the TAM model is applied, extracting data for analysis of a questionnaire-based survey completed by the students; the other two, academic qualifications and surveys about teaching are analyzed. The acceptance rate is 81%, 90% of TAM model assumptions are confirmed, academic qualifications are improved 21% and opinion survey 9%, which validates the proposal and its application to teaching.

Una aproximación a la recomendación de artículos científicos según su grado de especificidad

En este artículo se presenta un método para recomendar artículos científicos teniendo en cuenta su grado de generalidad o especificidad. Este enfoque se basa en la idea de que personas menos expertas en un tema preferirían leer artículos más generales para introducirse en el mismo, mientras que personas más expertas preferirían artículos más específicos. Frente a otras técnicas de recomendación que se centran en el análisis de perfiles de usuario, nuestra propuesta se basa puramente en el análisis del contenido. Presentamos dos aproximaciones para recomendar artículos basados en el modelado de tópicos (Topic Modelling). El primero de ellos se basa en la divergencia de tópicos que se dan en los documentos, mientras que el segundo se basa en la similitud que se dan entre estos tópicos. Con ambas medidas se consiguió determinar lo general o específico de un artículo para su recomendación, superando en ambos casos a un sistema de recuperación de información tradicional.

A semantic framework for textual data enrichment

In this work we present a semantic framework suitable of being used as support tool for recommender systems. Our purpose is to use the semantic information provided by a set of integrated resources to enrich texts by conducting different NLP tasks: WSD, domain classification, semantic similarities and sentiment analysis. After obtaining the textual semantic enrichment we would be able to recommend similar content or even to rate texts according to different dimensions. First of all, we describe the main characteristics of the semantic integrated resources with an exhaustive evaluation. Next, we demonstrate the usefulness of our resource in different NLP tasks and campaigns. Moreover, we present a combination of different NLP approaches that provide enough knowledge for being used as support tool for recommender systems. Finally, we illustrate a case of study with information related to movies and TV series to demonstrate that our framework works properly.

An Approach to Collaborative Filtering by ARTMAP Neural Networks

Recommender systems are now widely used in e-commerce applications to assist customers to find relevant products from the many that are frequently available. Collaborative filtering (CF) is a key component of many of these systems, in which recommendations are made to users based on the opinions of similar users in a system. This paper presents a model-based approach to CF by using supervised ARTMAP neural networks (NN). This approach deploys formation of reference vectors, which makes a CF recommendation system able to classify user profile patterns into classes of similar profiles. Empirical results reported show that the proposed approach performs better than similar CF systems based on unsupervised ART2 NN or neighbourhood-based algorithm.

We know what you want to buy:a demographic-based system for product recommendation on microblogs

Product recommender systems are often deployed by e-commerce websites to improve user experience and increase sales. However, recommendation is limited by the product information hosted in those e-commerce sites and is only triggered when users are performing e-commerce activities. In this paper, we develop a novel product recommender system called METIS, a MErchanT Intelligence recommender System, which detects users' purchase intents from their microblogs in near real-time and makes product recommendation based on matching the users' demographic information extracted from their public profiles with product demographics learned from microblogs and online reviews. METIS distinguishes itself from traditional product recommender systems in the following aspects: 1) METIS was developed based on a microblogging service platform. As such, it is not limited by the information available in any specific e-commerce website. In addition, METIS is able to track users' purchase intents in near real-time and make recommendations accordingly. 2) In METIS, product recommendation is framed as a learning to rank problem. Users' characteristics extracted from their public profiles in microblogs and products' demographics learned from both online product reviews and microblogs are fed into learning to rank algorithms for product recommendation. We have evaluated our system in a large dataset crawled from Sina Weibo. The experimental results have verified the feasibility and effectiveness of our system. We have also made a demo version of our system publicly available and have implemented a live system which allows registered users to receive recommendations in real time. © 2014 ACM.

Digital Libraries as a Social Media

This paper presents an innovative approach for enhancing digital libraries functionalities. An innovative distributed architecture involving digital libraries for effective and efficient knowledge sharing was developed. In the frame of this architecture semantic services were implemented, offering multi language and multi culture support, adaptability and knowledge resources recommendation, based on the use of ontologies, metadata and user modeling. New methods for teacher education using digital libraries and knowledge sharing were developed. These new methods were successfully applied in more than 15 pilot experiments in seven European countries, with more than 3000 teachers trained.

Exploring demographic information in social media for product recommendation

In many e-commerce Web sites, product recommendation is essential to improve user experience and boost sales. Most existing product recommender systems rely on historical transaction records or Web-site-browsing history of consumers in order to accurately predict online users’ preferences for product recommendation. As such, they are constrained by limited information available on specific e-commerce Web sites. With the prolific use of social media platforms, it now becomes possible to extract product demographics from online product reviews and social networks built from microblogs. Moreover, users’ public profiles available on social media often reveal their demographic attributes such as age, gender, and education. In this paper, we propose to leverage the demographic information of both products and users extracted from social media for product recommendation. In specific, we frame recommendation as a learning to rank problem which takes as input the features derived from both product and user demographics. An ensemble method based on the gradient-boosting regression trees is extended to make it suitable for our recommendation task. We have conducted extensive experiments to obtain both quantitative and qualitative evaluation results. Moreover, we have also conducted a user study to gauge the performance of our proposed recommender system in a real-world deployment. All the results show that our system is more effective in generating recommendation results better matching users’ preferences than the competitive baselines.

Uma abordagem baseada em filtragem colaborativa integrada a mapas de saliência para a recomendação de imagens

Nowadays, the amount of customers using sites for shopping is greatly increasing, mainly due to the easiness and rapidity of this way of consumption. The sites, differently from physical stores, can make anything available to customers. In this context, Recommender Systems (RS) have become indispensable to help consumers to find products that may possibly pleasant or be useful to them. These systems often use techniques of Collaborating Filtering (CF), whose main underlying idea is that products are recommended to a given user based on purchase information and evaluations of past, by a group of users similar to the user who is requesting recommendation. One of the main challenges faced by such a technique is the need of the user to provide some information about her preferences on products in order to get further recommendations from the system. When there are items that do not have ratings or that possess quite few ratings available, the recommender system performs poorly. This problem is known as new item cold-start. In this paper, we propose to investigate in what extent information on visual attention can help to produce more accurate recommendation models. We present a new CF strategy, called IKB-MS, that uses visual attention to characterize images and alleviate the new item cold-start problem. In order to validate this strategy, we created a clothing image database and we use three algorithms well known for the extraction of visual attention these images. An extensive set of experiments shows that our approach is efficient and outperforms state-of-the-art CF RS.

Privacy in data publishing for tailored recommendation scenarios

Personal information is increasingly gathered and used for providing services tailored to user preferences, but the datasets used to provide such functionality can represent serious privacy threats if not appropriately protected. Work in privacy-preserving data publishing targeted privacy guarantees that protect against record re-identification, by making records indistinguishable, or sensitive attribute value disclosure, by introducing diversity or noise in the sensitive values. However, most approaches fail in the high-dimensional case, and the ones that don’t introduce a utility cost incompatible with tailored recommendation scenarios. This paper aims at a sensible trade-off between privacy and the benefits of tailored recommendations, in the context of privacy-preserving data publishing. We empirically demonstrate that significant privacy improvements can be achieved at a utility cost compatible with tailored recommendation scenarios, using a simple partition-based sanitization method.

Motor de recomendación construido sobre implicaciones

Este Trabajo Fin de Grado (TFG) tiene como objetivo la creación de un framework para su uso en sistemas de recomendación. Se ha realizado por dos personas en la modalidad de trabajo en equipo. Las tareas de este TFG están divididas en dos partes, una realizada conjuntamente y la otra de manera individual. La parte conjunta se centra en construir un sistema que sea capaz de, a partir de comentarios y opiniones sobre puntos de interés (POIs) y haciendo uso de la herramienta de procesamiento de lenguaje natural AlchemyAPI, construir contextos formales y contextos formales multivaluados. Para crear este último es necesario hacer uso de ontologías. El context formal multivaluado es el punto de partida de la segunda parte (individual), que consistirá en, haciendo uso del contexto multivaluado, obtener un conjunto de dependencias funcionales mediante la implementación en Java del algoritmo FDMine. Estas dependencias podrán ser usados en un motor de recomendación. El sistema se ha implementado como una aplicación web Java EE versión 6 y una API para trabajar con contextos formales multivaluados. Para el desarrollo web se han empleado tecnologías actuales como Spring y jQuery. Este proyecto se presenta como un trabajo inicial en el que se expondrán, además del sistema construido, diversos problemas relacionados con la creacion de conjuntos de datos validos. Por último, también se propondrán líneas para futuros TFGs.

Collaborative Filtering with Semantic Neighbour Discovery

Nearest neighbour collaborative filtering (NNCF) algorithms are commonly used in multimedia recommender systems to suggest media items based on the ratings of users with similar preferences. However, the prediction accuracy of NNCF algorithms is affected by the reduced number of items – the subset of items co-rated by both users – typically used to determine the similarity between pairs of users. In this paper, we propose a different approach, which substantially enhances the accuracy of the neighbour selection process – a user-based CF (UbCF) with semantic neighbour discovery (SND). Our neighbour discovery methodology, which assesses pairs of users by taking into account all the items rated at least by one of the users instead of just the set of co-rated items, semantically enriches this enlarged set of items using linked data and, finally, applies the Collinearity and Proximity Similarity metric (CPS), which combines the cosine similarity with Chebyschev distance dissimilarity metric. We tested the proposed SND against the Pearson Correlation neighbour discovery algorithm off-line, using the HetRec data set, and the results show a clear improvement in terms of accuracy and execution time for the predicted recommendations.

Collaborative filtering and deep learning based recommendation system for cold start items

Recommender system is a specific type of intelligent systems, which exploits historical user ratings on items and/or auxiliary information to make recommendations on items to the users. It plays a critical role in a wide range of online shopping, e-commercial services and social networking applications. Collaborative filtering (CF) is the most popular approaches used for recommender systems, but it suffers from complete cold start (CCS) problem where no rating record are available and incomplete cold start (ICS) problem where only a small number of rating records are available for some new items or users in the system. In this paper, we propose two recommendation models to solve the CCS and ICS problems for new items, which are based on a framework of tightly coupled CF approach and deep learning neural network. A specific deep neural network SADE is used to extract the content features of the items. The state of the art CF model, timeSVD++, which models and utilizes temporal dynamics of user preferences and item features, is modified to take the content features into prediction of ratings for cold start items. Extensive experiments on a large Netflix rating dataset of movies are performed, which show that our proposed recommendation models largely outperform the baseline models for rating prediction of cold start items. The two proposed recommendation models are also evaluated and compared on ICS items, and a flexible scheme of model retraining and switching is proposed to deal with the transition of items from cold start to non-cold start status. The experiment results on Netflix movie recommendation show the tight coupling of CF approach and deep learning neural network is feasible and very effective for cold start item recommendation. The design is general and can be applied to many other recommender systems for online shopping and social networking applications. The solution of cold start item problem can largely improve user experience and trust of recommender systems, and effectively promote cold start items.

Collaborative filtering and deep learning based hybrid recommendation for cold start problem

Recommender systems (RS) are used by many social networking applications and online e-commercial services. Collaborative filtering (CF) is one of the most popular approaches used for RS. However traditional CF approach suffers from sparsity and cold start problems. In this paper, we propose a hybrid recommendation model to address the cold start problem, which explores the item content features learned from a deep learning neural network and applies them to the timeSVD++ CF model. Extensive experiments are run on a large Netflix rating dataset for movies. Experiment results show that the proposed hybrid recommendation model provides a good prediction for cold start items, and performs better than four existing recommendation models for rating of non-cold start items.

A next application prediction service using the BaranC framework

Predicting user behaviour enables user assistant services provide personalized services to the users. This requires a comprehensive user model that can be created by monitoring user interactions and activities. BaranC is a framework that performs user interface (UI) monitoring (and collects all associated context data), builds a user model, and supports services that make use of the user model. A prediction service, Next-App, is built to demonstrate the use of the framework and to evaluate the usefulness of such a prediction service. Next-App analyses a user's data, learns patterns, makes a model for a user, and finally predicts, based on the user model and current context, what application(s) the user is likely to want to use. The prediction is pro-active and dynamic, reflecting the current context, and is also dynamic in that it responds to changes in the user model, as might occur over time as a user's habits change. Initial evaluation of Next-App indicates a high-level of satisfaction with the service.