Initial Experimental Setup

First we define the data set. The data set is of 1000 holiday images (ordinary 2D high quality images) taken from INRIA holidays data-set [4].Our dataset only contains images without any tags. The dataset includes a very large variety of scene types (natural, man-made, water and fire effects, etc) and images are in high resolution. Using windows cropping techniques we increase image sets from 1000 to N*1000 images. For example if we get 3 windows per image then we will be have 3000 images for the overall experiments. For the evaluation, we have selected 6 data set on the basis of overall time, coverage and number of windows and also we used the only sift output for the overall comparison. Well we have set values for coverage C, number of windows N for the experiments. The idea is to set coverage higher in order to lose less information. We right now take consideration of only N=3 and 5 windows and C =66%, 75% and 85%.We have selected two result image sets (one for random and the other for sequential windows) of each coverage C for the evaluation while taking care of different N values.

For the clustering phase, we get input image set or windows set from the first phase. After many initial experiments we set к=90 for the first clustering. As we said earlier that we are applying k-means two times in order to get reduced set and highly dissimilar images. So, after have 90 clusters we apply again k-means with the value of к=20. The idea is to keep same к, so that windows of the original image mostly go to the same cluster because of high coverage C. The outcome of this phase is the representative set which have 20 images of the original data set.

Representative APR 391%. Average APR for this type of loans is 391%. Let's say you want to borrow $100 for two week. Lender can charge you $15 for borrowing $100 for two weeks. You will need to return $115 to the lender at the end of 2 weeks. The cost of the $100 loan is a $15 finance charge and an annual percentage rate of 391 percent. If you decide to roll over the loan for another two weeks, lender can charge you another $15. If you roll-over the loan three times, the finance charge would climb to $60 to borrow the $100.

Implications of Non-payment: Some lenders in our network may automatically roll over your existing loan for another two weeks if you don't pay back the loan on time. Fees for renewing the loan range from lender to lender. Most of the time these fees equal the fees you paid to get the initial payday loan. We ask lenders in our network to follow legal and ethical collection practices set by industry associations and government agencies. Non-payment of a payday loan might negatively effect your credit history.

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