Friday, July 27, 2018

Credit Card Recognition

Credit Card recognition will be based on the modal from OpenCV,  It's not necessary to train our own modal based on data as the card number format are mostly all the same.

1.  download the OpenCV jar file and add into classpath or import as maven, then static import the OpenCV c++ library as below:


static {
        System.loadLibrary(Core.NATIVE_LIBRARY_NAME);
    }


2. read the credit card image into the program into the Mat object


public static void main(String[] args) {
        Mat srcImage = loadImage("img/card.jpg");
}

public static  Mat loadImage(String path) {
 Mat newImage = Imgcodecs.imread(path);
 return newImage;
}



3. turn the card image into grey color (grey scale process)


public static void main(String[] args) {
 Mat srcImage = loadImage("img/card.jpg");
 Mat grey = grey(srcImage);
}

public static Mat grey(Mat srcMat) {
 Mat dest = new Mat (); 
 Imgproc.cvtColor(srcMat, dest, Imgproc.COLOR_RGB2GRAY);
 return dest;
}


4. turn the grey scale image into a black & white image. (binary process)


public static void main(String[] args) 
{
 Mat srcImage = loadImage("img/card.jpg");
 Mat grey = grey(srcImage);
 Mat binary = blackWhite(grey);
}

public static Mat blackWhite(Mat grayMat) {
  Mat binaryMat = new Mat(grayMat.height(),grayMat.width(),CvType.CV_8UC1);
         Imgproc.threshold(grayMat, binaryMat, 30, 200, Imgproc.THRESH_BINARY);
         return binaryMat;
}


5. Erode the black & white image to make the word bolder and clearer so as to be easy to be recognized.


public static void main(String[] args) {
 Mat srcImage = loadImage("img/card.jpg"); 
 Mat grey = grey(srcImage);
        Mat binary = blackWhite(grey);
 Mat erode = imageErode(binary);
}
public static Mat imageErode(Mat srcMat) {
 Mat destMat = new Mat();
 Mat element = Imgproc.getStructuringElement(Imgproc.MORPH_RECT, new Size(3, 3));
        Imgproc.erode(srcMat,destMat,element);
        return destMat;
}


6. crop the key region to remove the noise.


public static void main(String[] args) {
 Mat srcImage = loadImage("img/card.jpg");
 Mat grey = grey(srcImage);
        Mat binary = blackWhite(grey);
 Mat erode = imageErode(binary);
        Mat adjust = filterAndcut(erode);
}
public static Mat  filterAndcut(Mat destMat) {
  int a =0, b=0, state = 0;
         for (int y = 0; y < destMat.height(); y++) //row
         {
             int count = 0;
             for (int x = 0; x < destMat.width(); x++) //column
             {
                 // get the row pixel value 
                 byte[] data = new byte[1];
                 destMat.get(y, x, data);
                 if (data[0] == 0)
                     count = count + 1;
             }
             if (state == 0)//not a valid row
             {
                 if (count >= 150)//find a valid row
                 {//valid row qualify a 10 pixel noise
                     a = y;
                     state = 1;
                 }
             }
             else if (state == 1)
             {
                 if (count <= 150)// find a valid row
                 {//valid row qualify a 10 pixel noise
                     b = y;
                     state = 2;
                 }
             }
         }
         System.out.println("filter upper bound "+Integer.toString(a));
         System.out.println("filter lower bound "+Integer.toString(b));


         //crop the valid region
         Rect rect = new Rect(0,a,destMat.width(),b - a);
         Mat resMat = new Mat(destMat,rect);
         return resMat;
 }


7. recognize and print the result.


public static void main(String[] args) {
  Mat srcImage = loadImage("img/card.jpg");
  Mat grey = grey(srcImage); 
  Mat binary = blackWhite(grey);
  Mat erode = imageErode(binary);
  Mat adjust = filterAndcut(erode);
  
  printResult(matToBufferImage(adjust)); 
}

public static BufferedImage matToBufferImage(Mat grayMat) {
 if (grayMat == null) {
      return null;
 }
 byte[] data1 = new byte[grayMat.rows() * grayMat.cols() * (int)(grayMat.elemSize())];
 grayMat.get(0, 0, data1);
 BufferedImage image1 = new BufferedImage(grayMat.cols(), grayMat.rows(),BufferedImage.TYPE_BYTE_GRAY);                           
 image1.getRaster().setDataElements(0, 0, grayMat.cols(), grayMat.rows(), data1);
 return image1;
}
public static void printResult(BufferedImage src) {
 ITesseract instance = new Tesseract();
 instance.setDatapath("F:/Tess4J-3.4.8-src/Tess4J/tessdata"); // Credit card trained data
 long startTime = System.currentTimeMillis();
 String ocrResult;
 try {
       ocrResult = instance.doOCR(src);
       System.out.println("OCR Result: \n" + ocrResult + "\n spend:" + (System.currentTimeMillis() - startTime) + "ms");
 } catch (TesseractException e) {
       e.printStackTrace();
 } 
}




That's all for this project.







JavaScript !function()

If you like to read some JavaScript plugin source code online you may frequently encounter something like this below :


so how do we interpret this?

If we print this out it is like this below, why? because an anonymous function is undefined, and !undefined is true, we don't care whether it returns true or false but care that the JavaScript engine can parse it perfectly. 

!function(){alert('sd')}()        // true

But you may wonder how does an anonymous function can call itself with no error.

We normally see the below formats more frequently :

(function(){alert('123')})()        // true
(function(){alert('123')}())        // true

Anyway whichever format it is, its main purpose to put a bracket around is to turn a function declaration into an Expression which can be parsed/ Run. for example


function a(){alert('zsd')}   // undefined

This is a function declaration if we put a bracket behind directly, JavaScript Engine certainly doesn't understand. so Syntax error will come.


function a(){alert('iifksp')}()  // SyntaxError: unexpected_token

This code makes the engine confused between function declaration and function call. However, putting a bracket around is different, it turns a function declaration into an expression, the engine will understand it is no more a function declaration but an expression, So this expression will be called when the code is run into this line.

In short, Any grammar that can help to make the engine clearly differentiate function declaration and expression will be accepted by Javascript. For example:


var i = function(){return 10}();        // undefined
1 && function(){return true}();        // true
1, function(){alert('as')}();        // undefined

Assignment Operators,  Logic Operators, and even a comma can tell then engine that this is not a function declaration but a function expression. The unary operator is said to be the fastest way to clear the ambiguity for the engine, exclamation mark (!) is just one of them. here come some examples:


!function(){alert('as')}()        // true
+function(){alert('as')}()        // NaN
-function(){alert('as')}()        // NaN
~function(){alert('as')}()        // -1
void function(){alert('as')}()        // undefined
new function(){alert('as')}()        // Object
delete function(){alert('as')}()        // true
(function(){alert('as')})()        // undefined
(function(){alert('as')}())        // undefined

More Examples  


Option Code
! !function(){;}()
+ +function(){;}()
- -function(){;}()
~ ~function(){;}()
-1 (function(){;})()
-2 (function(){;}())
void void function(){;}()
new new function(){;}()
delete delete function(){;}()
= var i = function(){;}()
&& 1 && function(){;}()
|| 0 || function(){;}()
& 1 & function(){;}()
| 1 | function(){;}()
^ 1 ^ function(){;}()
, 1, function(){;}()

Friday, March 23, 2018

Export Trade Fiance - Packing Finance(Under L/C)

Export Trade Finacing is basically for the sellers/exportors to finance for themselves. There are quite a lot of ways for them to get money from banks, for example packing fiance/Loan, Negotiation under documentary credit, Discount, Forfeiting, Confirmed L/C,  Factoring  etc. Among them , Packing Finance/Loan , Silent Confirmation, Forfeiting and several others occurs when both parties' dealing based on L/C.


Basis

Packing Loan: Exportors(choosing L/C as the way of transaction settlement) can apply for a certain amount of financing before their cargo loading upto the ship to export(Packing stage). Exportors just need to submit the L/C they received from buyer side's bank to the bank they plan to apply the loan from as a collateral to get the money.

Packing Loan initially  is invented to solve the  fiancing need for exportors in their packing stage. But nowadays, most of banks don't follow this. whatever reasons like : goods replenish, goods processing and other steps before the shippment of the goods . you all can appy for packing loan as long as your L/C is real!

Some Banks will need the L/C as a collateral to give the loan out. some just need to check the exportor's credit . but in Aisa, most of banks still need the L/C as a colateral.


Characteristic

  1. Exportor can only use this money to designated items. they can't use it to other investment e.g fix asset investment etc.
  2. Bank will keep the original L/C  as collateral to make sure the applier/Exporter do the presentation of documents in this bank so as to monitor all the way how's the L/C's status. 
  3. Packing loan's time is short. <= 36 days.
  4. With recourse. If exportor can't get the money from importor, bank have the right to deduct principal + interest from the exportor's other account directly

Documents Needed


  1. Company basic liscences and certificates . e.g: tax register liscense. business entity information...
  2. Fill the application form that bank provides
  3. Provide the company financial health evidence e.g Audited P/L, Balance sheet...
  4. Original L/C and contracts
  5. Deposit
  6. Others

Interest Calculation

Loan Amount: 


The Amount Exportor can get(Loan Amount)  = L/C Amount * Margin  

The Margin is set by the bank internally.normally the higher the credit of the exportor , the higher the margin will be . normally the margin is between 70%~90%,if A L/C is 1M , then normally the company can get 700K ~90K loan amount.

Annual Interest Rate:

Annual Interest rate is calculated based on different currencies .If Loan is USD, then use USD loan interest rate , if Loan is YEN, then use Yen loan  interest rate.The interest rate is synced with the central bank. Normally , The bank will choose the latest loan expiry date to let the exportor pay back the principal and interest rate together.

Foreign Currency Financing normally is based on the Inter-Bank Offer Rate (e.g: USD : Libor, YEN: Tibor) + Margin. For exmaple, For USD, Normally the interest rate = Libor + 0.5%~1.5%.For some companies with good credit/reputation, The bank also can only charge Libor + 0.25% as the interest.

Take the data from 28th April 2006 as a example, 12 month Libor is 5.28%, So the bank can choose the interest rate between 5.53% (5.28% + 0.25%)  ~ 6.78% (5.28% + 1.50%) to charge the exportor.

Of course , there're still some banks taking the approach of  20th century, No matter how long the loan they give, alwayse use 1 year walking capital interest rate to charge even though some are less than 1 year. For Example, 2006 April, 1 year foreign currency walking capital loan rate is 6.75%, then the annual interest rate the bank charge the exportor apply for the packing loan is 6.75% as well.

Libor : Currently is regaded as a basis rate of  floating rate(USD), It is regarded as a financing cost of  ( borrow money and re-lend out). The 3 month and 6 Month Libor are most universally used.

Packing Loan giving days:

Packing Loan giving days  = the day to apply for packing loan ~ the latest shipment date stipulated in L/C + 30 Days

For Example , The L/C beneficiary(Exportor) apply for a packing loan on 10/11/2013, The Lastest shipment date in L/C is 31/12/2013. So The Packing Loan giving days are  (10/11 ~ 31/12)  +30 days = 81days. That is between 10/11/2013  ~ 31/01/2004. Normally It is less than 1 year. So The bank will give the money to the exportor gradually within this period.


For Companies to consider


  1. Company should maintain a good credit and no bad records in the bank.
  2. make sure the issuing bank's country economy stability and no political risk, so the payment can be done successfully.
  3. Read the L/C clause carefully.The more complex the clause , the harder the beneficiary to follow.
  4. Make sure the L/C is irrevocable L/C as the bank only can give packing loan based on this.
  5. Choose the correct currency to save the cost.
Exportor can choose domestic currency or froeign currency from bank. company may need to consider the national foreign currency control policy. In Recent years, In China , The foreign Currency loan interest rate is lower than the RMB loan interest rate. So companies may consider to choose foreign currency as loan currency . when using RMB, they will convert the foreign currency into RMB to save the cost.


For example, If exportor need 1M RMB to buy raw material and apply for the packing loan.the company can choose foreign currency packing loand or RMB packing loan. In 2004, RMB loan interest rate is 4.65% and USD loan interest rate 2.98%. Exchange rate at that time is USD100 = CNY826.46 .If choose foreign currency packing loan for 90 days, the interest exportor need to pay :

$ 1M * 2.98% * 90/360 = $ 7649
$ 7649 = 61.7 K (RMB)

If choose RMB packing loan , company need to pay interest:

$ 1M * 8.264 * 4.65% * 90/360 = 96.1K (RMB)

So ,Choose USD packing loan is better.

For Banks to consider


  1. Understand application company's credit and capital situation 
  2. verify the L/C(By SWIFT)
  3. Understand Issuing Bank's credit and rate(Moody's Finth Rating).
  4. verify the clause of L/C
  5. Control the date of giving loan
  6. make sure the Risk Index and credit limit
Credit Limit(trade finance) = walking capital loan amount *   (1 / risk index)
For example:
    If bank of china gives the company A 1M USD loan limit, then A can transfer this 1M loan limit into guarantee limit:
    
guarantee limit  = 1M USD * (1/0.25) = 4M USD

Any Question About this Product Can leave your comments below.



Saturday, September 23, 2017

《爱 》- 张爱玲

      这是真的。 
      这个村庄的小康之家的女孩子,生的美,有许多人来做媒,但都没有说成。那你她不过十五六岁吧,是春天的晚上,她立在门后,手扶着桃树。她记得她穿着一件月白色的衫子,对门住的年轻人,同她见过面,可是从来没有打过招呼的。他走了过来,离的不远,站定了,轻轻说了一声:“噢,你也在这里吗。”她没有说什么,他也没有再说什么,站了一会,各自走开了。 
     就这样就完了。 
    后来这女人被亲眷拐了,卖到他乡外县去作妾,又几次三番被转卖,经过无数的惊险的风波,老了的时候她还记得从前的那一回事,常常说起,在那春天的晚上,在后门口的桃树下,那年轻人。
      于千万人之中遇到你所要遇到的人,于千万年之中,时间的无涯的荒野中,没有早一步,也没有晚一步,刚巧赶上了,那也没有别的话好说,唯有轻轻的问一声:“噢,你也在这里吗?”

Tuesday, September 19, 2017

Java 8 - Parallel data processing

In Java 7 , If you want to process data in parallel, you may consider the ForkJoinPool which is one of the threadpool factory with number of initial thread equalising the number of procesor of the computer :


Runtime.getRuntime().available-Processors() // show initial number of thread

System.setProperty("java.util.concurrent.ForkJoinPool.common.parallelism","12"); // change the number of initial thread



In current multi-core PC world, parallel processing will  mostly increase the performence. And the way to implement the parallelism is as simple as just adding one methond parallel()  into the normal Stream. This parallel() will automaticly make use of the ForkJoinPool behind and dynamicly assign the data into threads.


public static long parallelSum(long n) {
     return Stream.iterate(1L, i -> i + 1).limit(n).parallel().reduce(0L, Long::sum);
}

On the contrary , if you want to abandon parallel(), a sequential() will help you switch back smoothly. Well , In practice, whether to choose sequential() , parallel() or normal for loop , all depend on practical measurement, There is no one golden rule saying that parallel() is the best, you must measure the time and choose which one to apply.


long start = System.nanoTime();
// apply batch calculation here
long duration = (System.nanoTime() - start) / 1_000_000;

In most of the cases , the efficiency lost in the parallel processing is due to autobox problems,  one of the methods to increse the paralle() is to avoid the autobox using LongStream, IntStream... This is important!


public static long parallelRangedSum(long n) {
    return LongStream.rangeClosed(1, n).parallel().reduce(0L, Long::sum);
}

ForkJoinPool

Above, I have mentioned the ForkJoinPool in Java 7 and the parallel() in Java 8 is implemented by it . So how do people use this ForkJoinPool? Answer :  extends RecursiveTask<T>
public class ForkJoinSumCalculator extends RecursiveTask<Long> {
       // constructors and fields .... 
@Override protected Long compute() { // rewrite abstract method if (length <= 1000) { // Don't use parallel } ForkJoinSumCalculator leftTask = new ForkJoinSumCalculator(20000, 1, 10000); leftTask.fork(); // start left half tasks asyncronously in another ForkJoinPool ForkJoinSumCalculator rightTask = new ForkJoinSumCalculator(20000, 10001, 20000); Long rightResult = rightTask.compute(); // start the right half tasks Long leftResult = leftTask.join(); // read the left half tasks result. blocking return leftResult + rightResult; // combine } }

Parallel() is not only implemented by ForkJoinPool but also with the help of Spliterator. With these 2 weapons, parallel() in Java 8 can flexibly split big task ,compute and join together to return values.

Spliterator

Spliterator looks similar to iterator in versions before Java 8. It also helps to iterate data but in parallel way.


public interface Spliterator<T> {
   boolean tryAdvance(Consumer<? super T> action); // iterate all elements Consumer provides
   Spliterator<T> trySplit(); // split data into another Spliterator
   long estimateSize(); // return the size of collection
   int characteristics();
}

Ok, I am still working to produce an example , I will give it out later.

Sunday, September 17, 2017

Java 8 - Data collection


Data collection is simplified in Java 8 syntax very much. you only need to point out "the expected result " not to worry about how to collect. In Java 8 , there exist a factory class "Collectors", let't see how it applies.

Math Problems 


long howManyDishes = menu.stream().collect(Collectors.counting()); // ==
long howManyDishes2 = menu.stream().count();
  
Comparator<Dish> dishCaloriesComparator = Comparator.comparingInt(Dish::getCalories); 
Optional<Dish> mostCalorieDish = menu.stream()
      .collect(Collectors.maxBy(dishCaloriesComparator)); // get object with max calories
  
// get the total calories
int totalCalories = menu.stream().collect(Collectors.summingInt(Dish::getCalories));
  
// get the average calories
double avgCalories = menu.stream().collect(Collectors.averagingInt(Dish::getCalories));
  
// get total, average, max, min 
IntSummaryStatistics menuStatistics = menu.stream().collect(
                               Collectors.summarizingInt(Dish::getCalories));

String Concatenation


String shortMenu = menu.stream().map(Dish::getName).collect(Collectors.joining(", "));

Reduce


// get total calories in reduing way
int totalCalories2 = menu.stream().collect(Collectors.reducing(0, Dish::getCalories,
                                           (i, j) -> i + j));
  
// get the max calories
Optional<Dish> mostCalorieDish2 = menu.stream().collect(Collectors.reducing(                        (d1, d2) -> d1.getCalories() > d2.getCalories() ? d1 : d2));
  
// self-implement toList collector
Stream<Integer> stream = Arrays.asList(1, 2, 3, 4, 5, 6).stream();
List<Integer> numbers = stream.reduce(new ArrayList<Integer>(), // init value
  (List<Integer> l, Integer e) -> { l.add(e);return l; }, // process
  (List<Integer> l1, List<Integer> l2) -> {
                               l1.addAll(l2);return l1; }); // final process
  
// total calories
int totalCalories3 = menu.stream().collect(Collectors.reducing(0,Dish::getCalories,
                                                                 Integer::sum));
int totalCalories4 = menu.stream().mapToInt(Dish::getCalories).sum(); // old way

Group By

Group by is like SQL group by statement., you can do nexted grouping , criteria grouping ...


// group by type , type is an enum
Map<Dish.Type, List<Dish>> dishesByType = menu.stream().collect(
                                          Collectors.groupingBy(Dish::getType));
  
// criteria grouping
Map<CaloricLevel, List<Dish>> dishesByCaloricLevel = menu.stream().collect(
  Collectors.groupingBy(dish -> {
   if (dish.getCalories() <= 400)  {
    return CaloricLevel.DIET; 
   } else if (dish.getCalories() <= 700) {
    return CaloricLevel.NORMAL;   
   }else {
    return CaloricLevel.FAT;
   }}));
// nested grouping
Map<Dish.Type, Map<CaloricLevel, List<Dish>>> dishesByTypeCaloricLevel = 
          menu.stream().collect(
   Collectors.groupingBy(Dish::getType, // 1st grouping
    Collectors.groupingBy(dish -> { // 2ed grouping
     if (dish.getCalories() <= 400) 
      return CaloricLevel.DIET;
     else if (dish.getCalories() <= 700) 
      return CaloricLevel.NORMAL;
     else 
      return CaloricLevel.FAT;
     })));
  
// collecting data with grouping
// result is : {MEAT=3, FISH=2, OTHER=4}
Map<Dish.Type, Long> typesCount = menu.stream().collect(
                  Collectors.groupingBy(Dish::getType, Collectors.counting()));
  
// get the max calories of each group , group by type
//result is : {FISH=Optional[salmon], OTHER=Optional[pizza], MEAT=Optional[pork]}
Map<Dish.Type, Optional<Dish>> mostCaloricByType = menu.stream().collect(
                  Collectors.groupingBy(Dish::getType,
    Collectors.maxBy(Comparator.comparingInt(Dish::getCalories))));
  
// get the max colories of each group , retrive value of each optional from above
//result is {FISH=salmon, OTHER=pizza, MEAT=pork}
Map<Dish.Type, Dish> mostCaloricByType2 = menu.stream().collect(
                Collectors.groupingBy(Dish::getType, // group by type
  Collectors.collectingAndThen(Collectors.maxBy(
                Comparator.comparingInt(Dish::getCalories)), //transformed Collector
  Optional::get))); // function of transfering
  
// grouping by can pass in 2 params , the second param will apply to all elements of each   group.
Map<Dish.Type, Integer> totalCaloriesByType = menu.stream().collect(
    Collectors.groupingBy(Dish::getType, Collectors.summingInt(Dish::getCalories)));
  
  
// get all caloricLevels of each Dish Type
// Collectors.mapping is powerful like map()
Map<Dish.Type, Set<CaloricLevel>> caloricLevelsByType = menu.stream().collect(
 Collectors.groupingBy(Dish::getType, Collectors.mapping( dish -> { 
   if (dish.getCalories() <= 400) {
    return CaloricLevel.DIET; 
   } else if (dish.getCalories() <= 700) {
    return CaloricLevel.NORMAL;
   } else {
    return CaloricLevel.FAT;
   }},Collectors.toSet())));
  
// point out which kind of set you want to use
Map<Dish.Type, Set<CaloricLevel>> caloricLevelsByType2 = menu.stream().collect(
 Collectors.groupingBy(Dish::getType, Collectors.mapping( dish -> { 
  if (dish.getCalories() <= 400) {
   return CaloricLevel.DIET;
  } else if (dish.getCalories() <= 700) {
   return CaloricLevel.NORMAL;
  } else {
   return CaloricLevel.FAT;  
  }},Collectors.toCollection(HashSet::new))));


Partition By

Partion By is similar to Group by but the input parameter is limited to "Predicate".


//{false=[pork, beef, chicken, prawns, salmon],
//true=[french fries, rice, season fruit, pizza]}
Map<Boolean, List<Dish>> partitionedMenu =
 menu.stream().collect(Collectors.partitioningBy(Dish::isVegetarian));
  
List<Dish> vegetarianDishes = partitionedMenu.get(true); // to retrive values
// == 
List<Dish> vegetarianDishes2 = menu.stream().filter(Dish::isVegetarian).collect(
                                                    Collectors.toList());
    
// nexted partioning & grouping , producing a 2 level grouping
//{false={FISH=[prawns, salmon], MEAT=[pork, beef, chicken]},
// true={OTHER=[french fries, rice, season fruit, pizza]}}
Map<Boolean, Map<Dish.Type, List<Dish>>> vegetarianDishesByType = menu.stream().collect( Collectors.partitioningBy(Dish::isVegetarian,
      Collectors.groupingBy(Dish::getType))); 
                                  // getType is not predicate so use group by





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