The wide variety of crops in the image of agricultural products and the confusion with the surrounding environment information makes it difficult for traditional methods to extract crops accurately and efficiently. In this paper, an automatic extraction algorithm is proposed for crop images based on Mask RCNN. First, the Fruits 360 Dataset label is set with Labelme. Then, the Fruits 360 Dataset is preprocessed. Next, the data are divided into a training set and a test set. Additionally, an improved Mask RCNN network model structure is established using the PyTorch 1.8.1 deep learning framework, and path aggregation and features are added to the network design enhanced functions, optimized region extraction network, and feature pyramid network. The spatial information of the feature map is saved by the bilinear interpolation method in ROIAlign. Finally, the edge accuracy of the segmentation mask is further improved by adding a micro-fully connected layer to the mask branch of the ROI output, employing the Sobel operator to predict the target edge, and adding the edge loss to the loss function. Compared with FCN and Mask RCNN and other image extraction algorithms, the experimental results demonstrate that the improved Mask RCNN algorithm proposed in this paper is better in the precision, Recall, Average precision, Mean Average Precision, and F1 scores of crop image extraction results.

Collaborative filtering (CF) has successfully achieved application in personalized recommendation systems. The singular value decomposition (SVD)++ algorithm is employed as an optimized SVD algorithm to enhance the accuracy of prediction by generating implicit feedback. However, the SVD++ algorithm is limited primarily by its low efficiency of calculation in the recommendation. To address this limitation of the algorithm, this study proposes a novel method to accelerate the computation of the SVD++ algorithm, which can help achieve more accurate recommendation results. The core of the proposed method is to conduct a backtracking line search in the SVD++ algorithm, optimize the recommendation algorithm, and find the optimal solution via the backtracking line search on the local gradient of the objective function. The algorithm is compared with the conventional CF algorithm in the FilmTrust, MovieLens 1 M and 10 M public datasets. The effectiveness of the proposed method is demonstrated by comparing the root mean square error, absolute mean error and recall rate simulation results.

With the development of financial technology, the traditional experience-based and single-network credit default prediction model can no longer meet the current needs. This manuscript proposes a credit default prediction model based on TabNeT-Stacking. First, use the PyTorch deep learning framework to construct an improved TabNet structure. The multi-population genetic algorithm is used to optimize the Attention Transformer automatic feature selection module. The particle swarm algorithm is used to optimize the hyperparameter selection and achieve automatic parameter search. Finally, Stacking ensemble learning is used, and the improved TabNet is used to extract features. XGBoost (eXtreme Gradient Boosting), LightGBM (Light Gradient Boosting Machine), CatBoost (Category Boosting), KNN (K-NearestNeighbor), and SVM (Support Vector Machine) are selected as the first-layer base learners, and XGBoost is used as the second-layer meta-learner. The experimental results show that compared with original models, the credit default prediction model proposed in this manuscript outperforms the comparison models in terms of accuracy, precision, recall, F1 score, and AUC (Area Under the Curve) of credit default prediction results.

Under the rapid evolution of financial technology, traditional credit risk management paradigms relying on expert experience and singular algorithmic architectures have proven inadequate in addressing complex decision-making demands arising from dynamically correlated multidimensional risk factors and heterogeneous data fusion. This manuscript proposes an enhanced credit rating model based on an improved TabNet framework. First, the Kaggle “Give Me Some Credit” dataset undergoes preprocessing, including data balancing and partitioning into training, testing, and validation sets. Subsequently, the model architecture is refined through the integration of a multi-head attention mechanism to extract both global and local feature representations. Bayesian optimization is then employed to accelerate hyperparameter selection and automate a parameter search for TabNet. To further enhance classification and predictive performance, a stacked ensemble learning approach is implemented: the improved TabNet serves as the feature extractor, while XGBoost (Extreme Gradient Boosting), LightGBM (Light Gradient Boosting Machine), CatBoost (Categorical Boosting), KNN (K-Nearest Neighbors), and SVM (Support Vector Machine) are selected as base learners in the first layer, with XGBoost acting as the meta-learner in the second layer. The experimental results demonstrate that the proposed TabNet-based credit rating model outperforms benchmark models across multiple metrics, including accuracy, precision, recall, F1-score, AUC (Area Under the Curve), and KS (Kolmogorov–Smirnov statistic).