A Banking Platform to Leverage Data Driven Marketing with Machine Learning

Payment data is one of the most valuable assets that retail banks can leverage as the major competitive advantage with respect to new entrants such as Fintech companies or giant internet companies. In marketing, the value behind data relates to the power of encoding customer preferences: the better you know your customer, the better your marketing strategy. In this paper, we present a B2B2C lead generation application based on payment transaction data within the online banking system. In this approach, the bank is an intermediary between its private customers and merchants. The bank uses its competence in Machine Learning driven marketing to build a lead generation application that helps merchants run data driven campaigns through the banking channels to reach retail customers. The bank’s retail customers trade the utility hidden in its payment transaction data for special offers and discounts offered by merchants. During the entire process banks protects the privacy of the retail customer.     

Multiscale data sampling and function extension

We introduce a multiscale scheme for sampling scattered data and extending functions defined on the sampled data points, which overcomes some limitations of the Nyström interpolation method. The multiscale extension (MSE) method is based on mutual distances between data points. It uses a coarse-to-fine hierarchy of the multiscale decomposition of a Gaussian kernel. It generates a sequence of subsamples, which we refer to as adaptive grids, and a sequence of approximations to a given empirical function on the data, as well as their extensions to any newly-arrived data point. The subsampling is done by a special decomposition of the associated Gaussian kernel matrix in each scale in the hierarchical procedure.     

Molecular dynamics simulation of gas adsorption on defected graphene

Gas sensing is one of the most promising applications for graphene. Using molecular dynamics simulation method, adsorption isotherm of xenon (Xe) gas on defected and perfect graphene is studied in order to investigate sensing properties of graphene for Xe gas. In this method, first generation of Brenner many-body potential is used to simulate the interaction of carbon–carbon (C) atoms in graphene, and Lennard–Jones two-body potential is used to simulate interaction of Xe–Xe and Xe–C atoms. In the simulated systems, adsorption coverage, radial distribution function, heat of adsorption, binding energy and specific heat capacity at constant volume are calculated for several temperatures between 90 K and 130 K, and various pressures. It was found that both of the defected and perfect graphene could be introduced as very good candidates for adsorption of Xe gas.     

A note on simultaneous preconditioning and symmetrization of non‐symmetric linear systems

Motivated by the theory of self‐duality that provides a variational formulation and resolution for non‐self‐adjoint partial differential equations (Ann. Inst. Henri Poincaré (C) Anal Non Linéaire 2007; 24 :171–205; Selfdual Partial Differential Systems and Their Variational Principles. Springer: New York, 2008), we propose new templates for solving large non‐symmetric linear systems. The method consists of combining a new scheme that simultaneously preconditions and symmetrizes the problem, with various well‐known iterative methods for solving linear and symmetric problems. The approach seems to be efficient when dealing with certain ill‐conditioned, and highly non‐symmetric systems. The numerical and theoretical results are provided to show the efficiency of our approach. Copyright © 2010 John Wiley & Sons, Ltd.     

Improved photonic crystal directional coupler with short length

We investigate a photonic crystal (PC) waveguide coupler which is formed by two closely spaced linear waveguides in a two-dimensional triangular lattice of air holes. Our study shows that shifting one row of the air holes between the waveguides affects the dispersion curves of the guided modes and if the triangular lattice of air holes between the waveguides is replaced by a rectangular lattice, this modification results in an ultra-short coupling structure with coupling length less than 3a, where a is the lattice constant. Also, we investigate the effect of changing the radii of air holes that are adjacent to or between the waveguides on the coupling length and show that increasing the radius of air holes between the waveguides decreases the coupling length. We analyze the output spectrum of an ultra-short channel drop filter designed based on this structure.     

InspIRED by Nature: NADPH‐Dependent Imine Reductases (IREDs) as Catalysts for the Preparation of Chiral Amines

Imine reductases (IREDs) are NADPH‐dependent oxidoreductases that catalyse the asymmetric reduction of cyclic prochiral imines to amines, with excellent stereoselectivity. Since their discovery, stereocomplementary IREDs have been applied to the production of both (S) and (R) cyclic secondary amines, and the expansion in gene sequences recently identified has hinted at new substrate ranges that extend into acyclic imines and even suggest the possibility of asymmetric reductive amination from suitable ketone and amine precursors. Structural studies of various IREDs are beginning to reveal the complexities inherent in determining substrate range, stereoselectivity and mechanism in these enzymes, which represent a valuable emerging addition to the toolbox of available biocatalysts for chiral amine production.     

A recyclable chiral Ru catalyst for enantioselective olefin metathesis. Efficient catalytic asymmetric ring-opening/cross metathesis in air

The synthesis and structure of a new chiral bidentate imidazolinylidene ligand and a derived chiral Ru-based carbene are disclosed. The Ru complex is stereogenic at the metal center; it can be prepared in >98% diastereoselectivity and purified by silica gel chromatography with undistilled solvents. The air-stable Ru complex efficiently catalyzes ring-closing and ring-opening metathesis and is recyclable. The chiral complex is highly effective (0.5-10 mol % loading) in promoting enantioselective ring-opening/cross metathesis reactions (up to >98% ee). These enantioselective transformations can be effected in air, with unpurified solvent and with substrates that would only polymerize with Mo-based catalysts.