互联网金融平台中高违约风险用户识别算法

在我国金融科技不断创新的背景下,互联网金融平台中通过网络分析技术开展用户风险识别已经成为当前的热点技术发展方向。以某互联网金融平台的用户交易数据为对象,通过分析其中借贷逾期违约的传播行为,提出通过传播特征构建模型算法识别互联网金融平台的高风险用户。在构建基于阈值传播和随机传播的SIS模型和SIR模型基础上,将模型转换为可评价用户风险值的算法,并进一步与实际违约数据进行验证对比。对比结果显示在前5%和10%高风险群体划分条件下,算法具有较高的召回率和良好的结构关联性。     

Synthesis and characterization of new functional poly(urethane‐imide) crosslinked networks

To synthesize new functional poly(urethane‐imide) crosslinked networks, soluble polyimide from 2,2′‐bis(3,4‐dicarboxyphenyl) hexafluoropropane dianhydride, 4,4′‐oxydianiline, and maleic anhydride and polyurethane prepolymer from polycaprolactone diol, tolylene 2,4‐diisocyanate and hydroxyl ethyl acrylate were prepared. Poly(urethane‐imide) thin films were finally prepared by the reaction between maleimide end‐capped soluble polyimide (PI) and acrylate end‐capped polyurethane (PU). The effect of polyurethane content on dielectric constant, residual stress, morphology, thermal property, and mechanical property was studied by FTIR, prism coupler, Thin Film Stress Analyzer (TFSA), XRD, TGA, DMTA, and Nano‐indentation. Dielectric constant of poly(urethane‐imide) thin films (2.39–2.45) was lower than that of pure polyimide (2.46). Especially, poly(urethane‐imide) thin films with 50% of PU showed lower dielectric constant than other poly(urethane‐imide) thin films did. Lower residual stress and slope in cooling curve were achieved in higher PU content. Compared to typical polyurethane, poly(urethane‐imide) thin films exhibited better thermal stability due to the presence of the imide groups. The glass transition temperature, modulus, and hardness decreased with increase in the flexible PU content even though elongation and thermal expansion coefficient increased. Finally, poly(urethane‐imide) thin films with low residual stress and dielectric constant, which are strongly affected by the morphological structure, chain mobility, and modulus, can be suggested to apply for electronic devices by variation of PU. © 2006 Wiley Periodicals, Inc. J Appl Polym Sci 100: 113–123, 2006     

Artificial neural network approaches on composition-property relationships of jet fuels based on GC-MS

The relationships of composition-properties of 80 jet fuels concerning chemical compositions and several specification properties including density, flashpoint, freezing point, aniline point and net heat of combustion were studied. The chemical compositions of the jet fuels were determined by GC-MS, and grouped into eight classes of hydrocarbon compounds, including n-paraffins, isoparaffins, monocyclopraffins, dicyclopraffins, alkylbenzens, naphthalenes, tetralins, hydroaromatics. Several quantitative composition-property relationships were developed with three artificial neural network (ANN) approaches, including single-layer feedforward neural network (SLFNN), multiple layer feedforward neural network (MLFNN) and general regressed neural network (GRNN). It was found that SLFNNs are adequate to predict density, freezing point and net heat of combustion, while MLFNNs produce better results as far as the flash point and aniline point prediction are concerned. Comparisons with the multiple linear regression (MLR) correlations reported and the standard ASTM methods showed that ANN approaches of composition-property relationships are significant improvement on MLR correlations, and are comparable to the standard ASTM methods.     

Binding of several heavy metal ions by polyaspartyl polymers and their application to some Chinese herbal medicines

Water‐insoluble polyaspartyl polymers were synthesized by using water as medium instead of organic medium. Taking Ca²⁺ as a reference, the binding of several heavy‐metal ions, including Pb²⁺, Cd²⁺, Hg²⁺, Cr³⁺, Cu²⁺, and Mn²⁺, by polyaspartyl polymers was studied. The experimental results revealed that polyaspartate is an excellent binding agent for the investigated heavy‐metal ions. These cation ions were bound to polyaspartate polymer by the same mechanism as Pb²⁺, which can be explained by ion exchange model. Since polyaspartate has a protein‐resembling structure that is sensitive to trace heavy metal, it was used to remove some trace heavy‐metal elements in Chinese herbal medicines. It was found that polyaspartate material was an effective agent for the removal of Pb²⁺, Cd²⁺, and Hg²⁺ ions from glycyrrhizin, angelica, and gynostemma pentaphyllum. © 2007 Wiley Periodicals, Inc. J Appl Polym Sci 2007     

Synthesis and characterization of Li ion conducting La2/3−xLi3xTiO3 by a polymerizable complex method

Ultrafine lithium ion conducting La_2/3−xLi_3xTiO₃ (x = 0.11, LLT) powder was synthesized by a simple polymerizable complex method based on the Pechini-type process. The formation mechanism, homogeneity and microstructure of the samples were investigated by thermal analysis (TG/DTA), X-ray diffraction (XRD), scanning electron microscopy (SEM) and transmission electron microscopy (TEM). XRD analysis indicated the formation of pure perovskite-type phase. The powder synthesized at a temperature as low as 900 °C in a much shorter time than solid-state reaction method was well crystallized. The lithium ion conductivity of the LLT ceramics sintered at 1200 °C was found to be 9 × 10⁻⁴ S/cm at room temperature.     

Syntheses and biological activities of polymers containing methacryloyl‐2‐oxy‐1,2,3‐propanetricarboxylic acid or 5‐fluorouracil

A series of novel copolymers, poly(methacryloyl‐2‐oxy‐1,2,3‐propanetricarboxylic acid‐co‐exo‐3,6‐epoxy‐1,2,3,6‐tetrahydrophthalic acid) [poly(MTCA‐co‐ETAc)], poly(methacryloyl‐2‐oxy‐1,2,3‐propanetricarboxylic acid‐co‐hydrogenethyl‐exo‐3,6‐epoxy‐1,2,3,6‐tetrahydrophthalate) [poly(MTCA‐co‐HEET)], and poly(methacryloyl‐2‐oxy‐1,2,3‐propanetricarboxylic acid‐co‐α‐ethoxy‐exo‐3,6‐epoxy‐1,2,3,6‐tetrahydrophthaloyl‐5‐fluorouracil) [poly(MTCA‐co‐EETFU)], were prepared from corresponding monomers by photopolymerizations at 25°C for 48 h. The polymers were identified by FTIR, ¹H‐NMR, and ¹³C‐NMR spectroscopies. The number‐average molecular weights of the fractionated polymers determined by GPC were in the range from 9400 to 14,900 and polydispersity indices were 1.2–1.4. The in vitro IC₅₀ values of polymers against mouse mammary carcinoma (FM3A), mouse leukemia (P388), and human histiocytic lymphoma (U937) as cancer cell lines and mouse liver cells (AC2F) as a normal cell line were much higher compared to that of 5‐fluorouracil (5‐FU). The in vivo antitumor activities of monomers and polymers against mice bearing sarcoma 180 tumor cell line were better than those of 5‐FU. The inhibition of DNA replication and antiangiogenesis activities of MTCA and copolymers were better compared to those of 5‐FU. © 2004 Wiley Periodicals, Inc. J Appl Polym Sci 94: 57–64, 2004     

Synthesis and luminescence properties of new blue‐light‐emitting polyconjugated poly{1,1′‐biphenyl‐4,4′‐diyl‐[1‐(4‐t‐butylphenyl)]vinylene} polymers and copolymers

Three new soluble polyconjugated polymers, all of which emitted blue light in photoluminescence and electroluminescence, were synthesized, and their luminescence properties were studied. The polymers were poly{1,1′‐biphenyl‐4,4′‐diyl‐[1‐(4‐t‐butylphenyl)]vinylene}, poly((9,9‐dioctylfluorene‐2,7‐diyl)‐alt‐{1,4‐phenylene‐[1‐(4‐t‐butylphenyl)vinylene‐1,4‐phenylene]}) [P(DOF‐PVP)], and poly([N‐(2‐ethyl) hexylcarbazole‐3,6‐diyl]‐alt‐{1,4‐phenylene‐[1‐(4‐t‐butylphenyl)]vinylene‐1,4‐phenylene}). The last two polymers had alternating sequences of the two structural units. Among the three polymers, P(DOF‐PVP) performed best in the light‐emitting diode devices of indium–tin oxide/poly(ethylenedioxythiophene) doped with poly(styrene sulfonate) (30 nm)/polymer (150 nm)/Li:Al (100 nm). This might have been correlated with the balance in and magnitude of the mobility of the charge carriers, that is, positive holes and electrons, and also the electronic structure, that is, highest occupied molecular orbital (HOMO) and lowest unoccupied molecular orbital (LUMO) levels, of the polymers. © 2006 Wiley Periodicals, Inc. J Appl Polym Sci 100: 307–317, 2006     

一种融合视觉决策理论预测用户选择的方法

为有效解决在眼动人机交互环境中由于难以判断用户决策而导致的米达斯接触问题, 结合视觉决策理论, 通过融合眼动指标与时间序列来预测用户行为。先记录用户浏览目标页面时的眼动数据及进行选择时的点击数据, 并对数据按时间轴进行采样, 得到注视序列; 然后根据注视序列拟合用户进行决策时的注视似然曲线, 确定相关参数与触发阈值。眼动实验结果表明, 单凭注视阈值预测准确率就可以达到78. 3%, 在人机交互环境中拟合的似然曲线与视觉决策理论耦合。方法的实施无须用户进行额外的配合, 不依赖预设的固定阈值; 相对于设置固定触发阈值, 或要用户进行眨眼、按键等操作的传统方法, 交互过程可更顺畅、自然。     

Synthesis and physicochemical characterization of amphiphilic block copolymer self‐aggregates formed by poly(ethylene glycol)‐block‐poly(ϵ‐caprolactone)

Diblock copolymers with different poly(ε‐caprolactone) (PCL) block lengths were synthesized by ring‐opening polymerization of ε‐caprolactone in the presence of monomethoxy poly(ethylene glycol) (mPEG‐OH, MW 2000) as initiator. The self‐aggregation behaviors and microscopic characteristics of the diblock copolymer self‐aggregates, prepared by the diafiltration method, were investigated by using ¹H NMR, dynamic light scattering (DLS), and fluorescence spectroscopy. The PEG–PCL block copolymers formed the self‐aggregate in an aqueous environment by intra‐ and/or intermolecular association between hydrophobic PCL chains. The critical aggregation concentrations of the block copolymer self‐aggregate became lower with increasing hydrophobic PCL block length. On the other hand, reverse trends of mean hydrodynamic diameters were measured by DLS owing to the increasing bulkiness of the hydrophobic chains and hydrophobic interaction between the PCL microdomains. The partition equilibrium constants (K_v) of pyrene, measured by fluorescence spectroscopy, revealed that the inner core hydrophobicity of the nanoparticles increased with increasing PCL chain length. The aggregation number of PCL chain per one hydrophobic microdomain, investigated by the fluorescence quenching method using cetylpyridinium chloride as a quencher, revealed that 4–20 block copolymer chains were needed to form a hydrophobic microdomain, depending on PCL block length. © 2006 Wiley Periodicals, Inc. J Appl Polym Sci 99: 3520–3527, 2006     

Synthesis and characterization of in situ polymerized segmented thermoplastic elastomeric polyurethane/layered silicate clay nanocomposites

Nanocomposites based on thermoplastic elastomeric polyurethane (TPU) and layered silicate clay were prepared by in situ synthesis. The properties of nanocomposites of TPU with unmodified clay were compared with that of organically modified clay. The nanocomposites of the TPU and organomodified clay showed better dispersion and exhibited superior properties. Exfoliation of the clay layers was observed at low organoclay contents, whereas an intercalated morphology was observed at higher clay contents. As one of major purposes of this study, the effect of the silicate layers in the nanocomposites on the order–disorder transition temperature (T_ODT) of the TPU was evaluated from the intensity change of the hydrogen‐bonded and free carbonyl stretching peaks and from the peak position change of the N? H bending peak. The presence of the organoclay increased T_ODT by approximately 10°C, which indicated improved stability in the phase‐separated domain structure. The layered silicate clay caused a tremendous improvement in the stiffness of the TPU; meanwhile, a reduction in the ultimate elongation was observed. © 2006 Wiley Periodicals, Inc. J Appl Polym Sci 102: 3048–3055, 2006