Xiaochen Liu

Yancheng Liang, Jiajie Zhang, Hui Li et al.

Despite the tremendous advances achieved over the past years by deep learning techniques, the latest risk prediction models for industrial applications still rely on highly handtuned stage-wised statistical learning tools, such as gradient boosting and random forest methods. Different from images or languages, real-world financial data are high-dimensional, sparse, noisy and extremely imbalanced, which makes deep neural network models particularly challenging to train and fragile in practice. In this work, we propose DeRisk, an effective deep learning risk prediction framework for credit risk prediction on real-world financial data. DeRisk is the first deep risk prediction model that outperforms statistical learning approaches deployed in our company's production system. We also perform extensive ablation studies on our method to present the most critical factors for the empirical success of DeRisk.

Xiaochen Liu, Yurong Jiang, Kyu-Han Kim et al.

Cashier-free shopping systems like Amazon Go improve shopping experience, but can require significant store redesign. In this paper, we propose Grab, a practical system that leverages existing infrastructure and devices to enable cashier-free shopping. Grab needs to accurately identify and track customers, and associate each shopper with items he or she retrieves from shelves. To do this, it uses a keypoint-based pose tracker as a building block for identification and tracking, develops robust feature-based face trackers, and algorithms for associating and tracking arm movements. It also uses a probabilistic framework to fuse readings from camera, weight and RFID sensors in order to accurately assess which shopper picks up which item. In experiments from a pilot deployment in a retail store, Grab can achieve over 90% precision and recall even when 40% of shopping actions are designed to confuse the system. Moreover, Grab has optimizations that help reduce investment in computing infrastructure four-fold.